Get Paid to Scan & Pay? Here’s How UOB’s 28% Rebate Works

If you’re opening a new UOB savings account and already using your phone to pay for groceries, snacks, or rides, this promotion might quietly give you up to S$28 in free money.

Let’s walk through how this UOB Scan to Pay Promotion (1 Jan – 31 Mar 2026) works, what you need to do, and the small traps to avoid.

UOB scan to pay promotion with 28% rebate for new and existing customers.
UOB’s Scan to Pay promotion offers a 28% cashback rebate for eligible customers from January to March 2026.

What’s This Promotion About?

UOB is running a limited-time promo where new customers who open selected savings accounts and use Scan to Pay (NETS QR) via the UOB TMRW app at specific merchants can earn:

  • 28% cash rebate
  • Capped at S$28 per person
  • On eligible Scan to Pay spending

The catch: it’s first-come, first-served, limited to 2,300 people per calendar month during the promo period.

Step 1: Make Sure You’re Eligible

You’re in the game only if:

If you already hold one of these accounts before this promo, you won’t qualify for this Scan to Pay deal.

Step 2: Where You Must Spend

To earn the rebate, you must use UOB TMRW to Scan to Pay using NETS QR at these participating merchants:

  • NTUC FairPrice (groceries)
  • 7-Eleven (convenience shopping)
  • ComfortDelGro (taxis)
  • TADA (ride-hailing)

A few important points:

  • The scan must be a NETS QR transaction.
  • If you pay with a non-NETS QR (like a PayNow QR code), it does not count.
  • You must be a UOB TMRW app user in Singapore.

Each successful NETS QR payment at these merchants is an Eligible Transaction.

Step 3: When You Need to Spend (Your Qualifying Period)

Your spending window depends on when you open your new account.

You have two months to make eligible Scan to Pay transactions:

  • If you open your account in January 2026
    → Your Qualifying Spend Period is 1 Jan – 28 Feb 2026
  • If you open your account in February 2026
    → Your Qualifying Spend Period is 1 Feb – 31 Mar 2026
  • If you open your account in March 2026
    → Your Qualifying Spend Period is 1 Mar – 30 Apr 2026

So your strategy is:

  1. Open the account during the promo period
  2. Use UOB TMRW to pay via NETS QR at the listed merchants
  3. Do it within your two-month Qualifying Spend Period

What You Actually Get: The Reward

If you’re among the first 2,300 people in a calendar month who meet all the conditions:

  • You earn 28% cash rebate
  • Calculated on the total of all your Eligible Transactions
  • Capped at S$28 maximum
  • One reward per person, no matter how many accounts you open or how many eligible payments you make

Example

If you spend S$50 at NTUC FairPrice and 7-Eleven combined via NETS QR:
→ 28% of S$50 = S$14 rebate

If you spend S$150:
→ 28% of S$150 = S$42, but your rebate is capped at S$28

When Will You Get the Rebate?

If you qualify, the cash rebate will be credited into your new UOB account by:

  • Opened between 1–31 Jan 2026 → By 31 May 2026
  • Opened between 1–28 Feb 2026 → By 30 June 2026
  • Opened between 1–31 Mar 2026 → By 31 July 2026

UOB will also send you a credit advice (notification) to your registered mailing address when the reward is credited.

Note: UOB will only confirm your eligibility by the Reward Credit Date, so you won’t get live updates during the promo period.

Important Fine Print You Shouldn’t Miss

1. Only One Reward

You only get one S$28-capped rebate under this Scan to Pay Promotion, no matter:

  • How many eligible transactions you make, or
  • How many accounts you open under the related online opening promos.

2. Your Account Must Stay “Healthy”

Your new account must be:

  • Active
  • In good standing
  • Not delinquent, suspended, closed, or terminated

If your account is in bad standing or closed before the reward is credited, your rebate can be forfeited.

3. Early Closure Fees & Clawback

  • Close your new account within 6 months of opening:
    → You pay an early account closure fee of S$30
  • Close your account within 9 months of opening:
    → UOB can forfeit or claw back your reward
    → They can debit the value of the reward from any of your UOB accounts
    → If there isn’t enough money, you’ll need to reimburse UOB separately

So if you’re only opening the account to chase the promo, plan to keep it for at least 9 months to avoid surprises.

Who Is This For?

This promotion tends to work best for:

1. New Customers Planning to Open a UOB Account Anyway

If you already intend to open a new UOB savings account (Stash, Uniplus, KrisFlyer UOB, Lady’s Savings, or One Account), this promo gives you a nice bonus for doing what you already plan to do.

2. Regular Shoppers at NTUC FairPrice & 7-Eleven

If you buy groceries, snacks, or essentials often from these places, shifting your payments to NETS QR via UOB TMRW can help you:

  • Hit the S$100 mark quickly (to max out the S$28 cap at 28%)
  • Earn a rebate on everyday spending instead of extra or forced spending

3. Frequent Taxi & Ride-Hailing Users

If you regularly travel via ComfortDelGro taxis or TADA:

  • Paying using NETS QR via UOB TMRW turns your rides into rebate-generating trips
  • Over your two-month qualifying period, a normal commute pattern can comfortably unlock the max S$28 rebate

4. People Who Don’t Mind Keeping the Account for 9+ Months

Because of the early closure fee and potential clawback:

  • This works best if you’re willing to hold the account for at least 9 months
  • You get your bonus, avoid penalties, and still enjoy the account features

Final Takeaway: Is It Worth It?

If you:

  • Are new to UOB (or opening a qualifying new account),
  • Already spend at NTUC FairPrice, 7-Eleven, ComfortDelGro, or TADA, and
  • Plan to keep your new account open for at least 9 months,

then this promo is quite straightforward:

  • Spend using NETS QR with UOB TMRW
  • Time your spending within your Qualifying Spend Period
  • Aim for around S$100 of eligible spending to unlock the full S$28 rebate

Used thoughtfully, it’s a neat way to turn normal daily spending into a small but meaningful cashback boost, without changing your lifestyle too much.

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