UOB PRVI Miles Card—MoneySmart Review 2026

Now that travel has restarted, it’s time to bust out the air miles credit cards and start racking up points for free air tickets.

The UOB PRVI Miles Card is one of the best air miles credit cards in Singapore with high base earn rates of $1 = 1.4 miles (local) and $1 = 2.4 miles (overseas), and bonus rates as high as 8 miles per $1 on Agoda and Expedia. All that, plus 4 complimentary lounge visits a year.

This is all the more impressive considering its entry-level income requirement of $30,000 for Singaporeans and $40,000 for foreigners.

But is there a catch? Let's find out by taking a closer look at the UOB PRVI Miles Card.

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1. UOB PRVI Miles Card: Summary

The UOB PRVI Miles Card is UOB’s entry-level air miles card. You earn:

• 8 miles per dollar (mpd) when you spend on major airlines and hotels worldwide on Expedia and Agoda
• 3 mpd on overseas spending in Malaysia, Indonesia, Thailand and Vietnam
• 2.4 mpd on other overseas spend (including online shopping on overseas websites)
• 1.4 mpd on local spend

The miles are paid to you in the form of UNI$ (UOB’s rewards points). You must then convert your UNI$ to air miles at the conversion rate of UNI$1 = 2 miles, paying a $27 conversion fee each time.

You can't get around the conversion fee. There used to be an alternative: sign up for the Singapore Airlines KrisFlyer Auto-conversion programme and pay an annual conversion fee of $50 to have your UNI$ auto-converted to miles (in blocks of UNI$2500 to 5,000 KrisFlyer Miles) at the end of very month. However, this will be discontinued from 20 May 2026.

The card comes in 3 variants:

• Mastercard
• Visa
• American Express

While the 3 cards’ basic miles earn rate is the same, there are some slight differences in terms of benefits. Broadly speaking, the Amex version is best for lifestyle and car rental deals, Mastercard for hotel stays and local rewards, and Visa for broad travel booking discounts. Pick the one that best matches your travel style and spending habits—read more in the section below on benefits.

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2. Fees and income requirement

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3. UOB PRVI Miles Card minimum spend

The UOB PRVI Miles Card lets you accumulate air miles at the following rates:

• 8 miles per $1 spent on major airline and hotel bookings at Agoda and Expedia
• 1.4 miles per $1 spent locally
• 1.4 miles per $1 spent on bus/train rides via SimplyGo (Amex only)
• 2.4 miles per $1 spent elsewhere overseas
• 3 miles per $1 spent overseas in Malaysia, Indonesia, Thailand and Vietnam

The card’s biggest strength is its generous earn rate on airline and hotel bookings. But to qualify, you have to makes sure you book your flights or hotels at Agoda or Expedia. The offer does not include budget airlines.

UOB miles expire within 2 years, so you need to ensure that you convert your miles before that happens. Read more in our guide to miles expiry in Singapore. 

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ALSO READ: UOB PRVI Miles vs DBS Altitude: Which Travel Card Wins in 2026?

4. UOB PRVI Miles Card benefits

Here’s a quick summary of UOB PRVI Miles Card’s main benefits.

There are a few other perks, including the following:

• Enjoy 4 complimentary visits per year to 1,700+ lounges and travel experiences globally
• Complimentary $500,000 Public Conveyance Personal Accident cover and up to $50,000 Emergency Medical Evacuation & Repatriation including illness due to COVID-19
•  25% off or more on Expedia’s Member Appreciation Sale$20 off with minimum S$300 spend
• $10 off with min. $120 spend for new Shopee customers every Saturday till 27 Dec 2025
• $20 off with minimum $300 spend at The Shilla Duty Free

Each of the 3 versions of the UOB PRVI Miles Card—Amex, Mastercard, and Visa—offers its own set of travel and lifestyle perks.

• UOB PRVI Amex: Great for frequent travellers in Asia. Enjoy lifestyle deals in Hong Kong, Taiwan, India, Thailand, Sri Lanka, and Korea, plus up to 15% off, complimentary upgrades, and a birthday gift at Sixt Rent-a-Car. You’ll also get 10% off eligible Viator travel experiences and a free Tablet Plus membership (worth US$99) for hotel perks worldwide.
• UOB PRVI Mastercard: Comes with both travel and local perks. Snag up to 35% off Avis Car Rental, 10% Japan hotels and ryokans, with Rakuten Travel, and one night free at participating properties by Langham Hospitality Group. Locally, get $5 off GrabFood and $5 off GrabTransport each month with the promo code MCGRAB. Extra protection comes with Identity Theft Protection coverage.
• UOB PRVI Visa: Great for travellers, enjoy 25% off Airport VIP Meet & Assist Service at over 500 sites worldwide plus 8% off hotel and 3% off flights with Trip.com. You also get $50 off at Lotte Duty Free SG and 10% off LOTTEWORLD ADVENTURE Day Pass.

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5. UOB PRVI Miles Card Terms and Conditions

The UOB PRVI Miles Card’s terms and conditions exclude some types of transactions for earning miles. These include the following:

• NETS transactions
• Insurance
• Banking
• Rent
• Parking
• Gambling
• Hospital bills
• School fees
• Charities, religious and political organisations
• Court costs
• Fines
• Taxes
• Postal services
• Government services

Run of the mill card exclusions, but exclusions all the same.

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6. How do I maximise my UOB PRVI Miles Card?

There is no cap on the number of miles you can earn on the UOB PRVI Miles Card. In order to maximise your points, you should, as much as possible, book all your air tickets and accommodation on the UOB PRVI Miles page for Agoda or Expedia in order to enjoy the 8 mpd rate.

Also make sure to swipe your card to pay for your expenses when you’re overseas or shop online on foreign websites, as the 2.4 mpd earn rate for overseas spending is quite attractive as well. For Malaysia, Indonesia, Thailand and Vietnam, this rate is bumped up to 3 mpd.

And finally, if you hold the Amex version of the UOB PRVI Miles Card, tap in and out of your MRT/bus commutes using SimplyGo to earn 1.4 mpd. It may not sound like much, but these can add up over time.

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7. How to convert UOB PRVI Miles to KrisFlyer miles?

Whenever you use the card, you earn UNI$ which you must then convert to air miles by paying a $27 conversion fee.

UNI$ have a shelf life of 2 years, so remember to convert them before they expire. You can log into your account to check the expiry date.

The conversion rate is UNI$1 = 2 miles, and they can be deposited directly into your KrisFlyer account. KrisFlyer miles expire in 3 years.

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ALSO READ: Citi PremierMiles vs DBS Altitude: Quick Feature & Reward Comparison

8. Should I get the UOB PRVI Miles Card?

The UOB PRVI Miles Card has one of the most generous miles earn rate not only compared to other entry-level air miles credit cards, but also some higher-income cards. Base rates of 1.4 mpd locally and 2.4 – 3 mpd overseas are excellent for general earn rates.

High spenders and families are in the best position to take advantage of this card due to their higher local expenses on groceries, dining, kids and the like. Families also have to pay for multiple people when they travel, which really helps you rack up those overseas spending miles.

However, if you’re not at such an expensive life stage, it might be wiser to opt for a miles card whose miles don’t expire, so you have a longer time to accumulate miles.

Another thing to note that is the UOB PRVI annual fee is relatively high for an entry-level card (although it is waived for the first year), so you want to make sure you’re going to use the card extensively if you’re going to sign up for it and end up paying the annual fee. Of course, try to get it waived.

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9. UOB PRVI Miles Card promotions

From now till 30 Apr 2026, you could walk away with a brand new tech gadget from Apple—on top of a cash gift. Simply spend at least $500 in eligible transactions within 30 days from card approval.

Baseline gift: $60 cash

Bonus reward (stackable): Stand to take home the latest Apple iPhone 17, 256GB (worth $1,299)

Promo ends 30 Apr 2026. T&Cs apply.

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10. Alternatives to UOB PRVI Miles Card

Here are a few other air miles cards to consider:

DBS Altitude Card: Earn 2.2 miles per S$1 on overseas spend and up to 1.3 miles per S$1 on local spend. Miles never expire, so this can be a good option if you don’t spend much.

AMEX KrisFlyer Card – Up to $1 = 2 KrisFlyer miles on Grab rides, Singapore Airlines purchases and overseas spending. Convenient as miles are credited directly to KrisFlyer account.

Maybank Horizon Card – Great local spending earn rate of up to $1 = 2.8 miles on air tickets and foreign currency, but you must meet their minimum monthly spending requirement of $800.

Here's a look at how the UOB PRVI Miles card compares to the ones we listed above.

UOB PRVI vs DBS Altitude vs AMEX KrisFlyer vs Maybank Horizon Air Miles Credit Cards:

Note: You can also check out our comparison of other miles cards such as the Citi PremierMiles and DBS Altitude.

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P.S. Here’s our MoneySmart credit card ranking rubric

In case you’re wondering, here’s how we decide on our credit card rankings.

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