While most transactions on your UOB UnionPay Card are eligible for the 2% cash rebates, there are certain transactions that do not qualify. Here are some of the exclusions: Government institutions and services Charitable/religious organizations Education institutions Member financial institutions, including merchandise and services, securities, stored value, and political organizations Any cash advances Any late payment charges or interest charges on any Card Fees payable to UOB for transfer of any debit balance on any other credit card to a Card.