Normalized Monthly Average by Category ▸ click any bar to see the transactions behind it
How "normalized" is calculated
Monthly Spending by Category ▸ click a legend item to drill in
Overall Mix ▸ click a slice
Per-Card / Account Spending (SGD) UOB credit cards + DBS debit
UNI$ Rewards Tracker
| Month | Earned | Balance | KF Miles |
|---|
Group Spending — Reimbursements Received ▸ paybacks netted at the total level, not from category bars
| Statement | From | Note | Amount (SGD) |
|---|
Notable Transactions (> SGD 500)
| Statement | Category | Description | Amount (SGD) |
|---|
How your miles are earned — three buckets cost shown is the EXTRA you pay; organic spend is free
| Source | UNI$ | KF Miles | Extra cost | Cost / mile | What it is |
|---|
Organic bucket — how each card contributes same spend, very different miles · effective rates from UOB published earn tables
| Card | Organic spend | Rate | Miles | Share | Earn basis |
|---|
Spend share ≠ miles share
UNI$ earned per month ▸ spend-earned vs one-off bonuses
CardUp routing — fee detail billed amount is fee-inclusive · fee = billed × rate/(1+rate)
| Bill type | Rate | Billed | Real bill | Fee paid |
|---|
Redemptions log value realised vs your cost to acquire the miles
| When | Redemption | UNI$ | Miles | Cash value | Value / mile | Your cost |
|---|
Portfolio value vs money paid in ▸ gap above the dashed line is your gain · step-ups are the annual SGD 6,000 premiums
Current fund mix May 2026 · all equity
Holdings 5 GreatLink funds
| Fund | Units | Price | Value | Alloc. |
|---|
Monthly performance % change excludes the premium paid in that month
| Month | Premium | Portfolio value | Change (excl. deposit) |
|---|