As shared by Michael in Suitesmile Chat, UOB banking customers can receive 20% cashback on QR Scan to Pay transactions in Malaysia, Indonesia and Thailand.
Key promo terms
Promo: Get 20% cashback on QR payments via UOB TMRW app in:
Malaysia (DuitNow)
Indonesia (QRIS)
Thailand (PromptPay)
Promo period: 17 Sep till 31 Dec 2025
Minimum spending: Make at least 3 overseas QR payments of any amount (get cashback on the first 3 payments as well)
UOB mentioned multiple times in the promo page that there are “zero transaction fees” or admin fees, but later mentioned in the FAQ that there are foreign currency charges.
Isaac in Suitesmile Chat confirmed that UOB’s Malaysian Ringgit exchange rate on a QR payment is about 2.5% worse than that of a Trust credit card (1 SGD = 3.19 MYR vs 3.27 MYR).
While UOB’s overseas QR payments are not entirely free of charge, users can still profit from this promo with the 20% cashback on up to S$250 worth of spending in the participating countries.
To be extra clear, it’s not wise to continue using UOB QR payments beyond the scope of this promo, due to the foreign currency fee/spread. Stick to YouTrip, better credit cards for overseas transactions, or even QR payments via the Touch ‘n Go e-wallet with a 1% top-up fee.
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Frequently asked questions
UOB shared the following set of frequently asked questions (FAQs) regarding this promo:
Is the 20% cashback earned only applicable on the 4th overseas Scan to pay transaction?
No, it applies to all overseas Scan to pay transactions you’ve made on UOB TMRW so long as you’ve completed a min. of 3 of them.
Will the cashback be credited in the foreign currency of the overseas transaction(s) I made?
No, it will be in SGD and according to the amount you see deducted from your chosen account that was used to make the overseas transaction.
Do I need to notify the Bank once I meet the requirements?
No further action is required from you. Once we’re able to successfully verify your qualifying transactions, the UOB account(s) from which you made the overseas transaction(s) will be credited.
Are cross-border peer-to-peer transfers included in this campaign?
No, they are not part of the scope. Only peer-to-merchant transactions via UOB TMRW Scan to pay are.
What is overseas QR Payment?
It is a service that allows UOB TMRW app customers to conveniently scan the respective QR code in participating countries (i.e. Indonesia, Malaysia and Thailand) to allow instant, secure and seamless payment to merchants when overseas.
Are there any fees payable to use the overseas QR Payment?
No fee is applicable for this service besides the foreign conversion charges.
Is there a transaction limit with overseas QR Payment?
There is a separate daily maximum limit of SGD 1,000 for each participating country. The daily remaining limit will be displayed on the app when a payment is initiated.
For overseas QR payment to Indonesia and Thailand, there is a minimum amount of IDR 1,000 and THB 100 respectively.
How do I know which are the merchants in Indonesia that will accept overseas QR Payment?
QRIS is the standardised QR code that is used for payments in Indonesia. There are over 60 supporting partners for QRIS QR and it allows UOB TMRW users to be able to scan the QR code and make payment at over 31 million acceptance points in Indonesia.
Please look out for the QR code with the QRIS acceptance mark on display at the merchant store front.
How do I know which are the merchants in Malaysia that will accept overseas QR Payment?
DuitNow QR is the Malaysia’s national QR standard established under PayNet of the Bank Negara Malaysia’s Interoperable Credit Transfer Framework (ICTF). There are 8 supporting partners for DuitNow QR with over 2.2 million acceptance points.
Please look out for the QR code with the DuitNow acceptance mark on display at the merchant store front with any of the 8 participating partners’ logos.
How do I know which are the merchants in Thailand that will accept overseas QR Payment?
PromptPay is the national real-time interbank payment system in Thailand. There are 5 supporting partners for PromptPay QR and it allows UOB TMRW users to be able to scan the QR code and make payment at over 8 million acceptance points in Thailand.
Please look out for the QR code with the PromptPay acceptance mark on display at the merchant store front with any or the 5 supporting partners (i.e. Bangkok Bank, Bank of Ayudhya, Kasikorn Bank, Krungthai Bank and Siam Commercial Bank).
I received an error message “This QR code is not supported.” while scanning the QR code.
This means the QR code is invalid or not supported by a participating partner. Please make sure you are scanning the right QR code acceptance mark.
Fai has been travel hacking for over a decade, visiting 50+ countries through high-value redemptions of miles and points and helping readers save thousands on travel, including in Business and First Class flights and luxury hotels. As a recognized expert in the travel and credit card world, his insights have been featured in major news outlets like Channel News Asia and The Straits Times.
All reviews and recommendations come from Fai's own credit card use, travels and research, with rare sponsored articles clearly disclosed.
