It's simple. You just register up to 5 credit or debit cards on your UTU and go shopping at any UTU Brand Partner. Pay with your card and earn UTU Points. Or convert points from your bank in to one pool of UTU Points.
Want to spend your points, even easier! Just go shopping at a UTU Brand or Redemption Partner location, pay with your registered card and the equivalent value in cash back will appear on your next statement.