Contactless payments have become a staple in our fast-paced society, enabling users to seamlessly make transactions without the hassle of cash or swiping cards. However, many still find themselves puzzled by what truly qualifies as a contactless payment. Let’s break it down!

If you’re using a UOB Preferred Platinum Visa or UOB Visa Signature card, you're in luck! These are among the top cards for earning miles with minimal fuss. As long as you make contactless payments, whether at restaurants, supermarkets, or any other participating outlets, you’ll earn a generous 4 miles per dollar (mpd).

However, confusion often arises when it comes to the definition of "contactless." Is tapping your phone at the cashier enough? What about in-app payments made via Apple or Google Pay or those made online? Let’s clarify these points!

What Qualifies as a Contactless Payment?

Contactless payments primarily refer to in-person transactions made using compatible payment methods, particularly those that involve a physical tap at a point-of-sale terminal. Notably, while the UOB Preferred Platinum Visa card does allow for contactless payments, it notably does not earn the same bonuses as the UOB Visa Signature when tapping a physical card.

The Good News: You can still earn rewards! By digitizing your UOB cards into a mobile wallet, tapping your phone will ensure the coveted 4 mpd reward as long as you pay at contactless-enabled merchants.

What Doesn't Count as a Contactless Payment?

Interestingly, some scenarios that might seem like contactless transactions are notably excluded:

1. SimplyGo: While tapping your phone at bus or MRT stations appears to be contactless, UOB disqualifies these transactions from their definition.

2. In-app or Online Payments: Payments made through apps or websites (like food delivery services) using Apple or Google Pay are not considered contactless since they occur in a non-in-person context.

Alternative Earning Opportunities

Fear not, as both UOB cards don’t just limit rewards to contactless transactions. The UOB Preferred Platinum Visa card also earns 4 mpd on specific online shopping and entertainment purchases, provided they fall within certain merchant category codes (MCCs). Similarly, the UOB Visa Signature allows you to get rewarded for everyday spending like petrol and foreign currency transactions, given you meet the minimum spend criteria within a statement month.

Key Takeaways

General Rule: If you hear a beep when paying, it’s likely a contactless payment; if not, proceed with caution!

Different Cards, Different Rules: Although both UOB cards offer 4 mpd for contactless transactions, the minimum spend limits, bonus categories, and crediting processes differ.

In conclusion, understanding the nuances of contactless payments can greatly enhance your earning potential in the miles game. As our payment landscape continues to evolve, being informed makes all the difference. So next time you're paying for coffee or groceries, remember: a little tap can lead to big rewards!