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 earn rates of $1 = 1.4 miles (local) and $1 = 2.4 miles (overseas). 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.
| UOB PRVI Miles Card Review—Is it MoneySmart? | ||
 Overall: ★★★★☆ (4.0) Best for: Pretty much any miles-chaser, with its above average local and overseas earn rates. Especially useful if you frequently book through Expedia/Agoda. The catch: There’s a $25 UNI$-to-miles conversion fee, slightly higher annual fee than other entry-level miles cards, and watch out for the fact that you earn UNI$ per every $5 spend, not per $1. |
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| Category | Our rating | The deets |
| Earn rates: UNI$ | ✈️✈️✈️✈️✈️ | – 1.4 miles per S$1 local spend (UNI$3.5 per S$5 spend) – 2.4 miles per S$1 overseas spend (UNI$6 per S$5 spend) including online shopping on overseas websites – 6 miles per $1 spend (UNI$15 per S$5 spend) on major airlines and hotels booked through Expedia, UOB Travel, and Agoda – Earn 1.4 miles per S$1 spend (UNI$3.5 per S$5 spend) on bus and train rides – No minimum spend and no cap on earned miles – Convert your UNI$ to air miles at the conversion rate of UNI$1 = 2 miles, with a $25 conversion fee per redemption. |
| Earn categories | ✈️✈️✈️✈️ | |
| Annual fees and charges | ★★★☆☆ | S$259.20 annual fee (first year waived) First supplementary card free, S$129.60 for subsequent supplementary cards. |
| Accessibility | ★★★★☆ | Minimum income requirement: $30,000 (Singaporeans and PRs) / $40,000 (Non-Singaporeans) |
| Extras/periphery rewards | ★★★★★ | – Complimentary personal accident coverage and emergency medical assistance of up to S$500,000. – S$20 off Grab ride to or from Changi Airport if you spend min. S$1,200 in a calendar month, on major airlines, hotels and/or travel services transactions using PRVI Miles Mastercard or Visa Card. – S$12 off with min. S$20 spend for new Shopee customers / S$6 off with min. S$80 spend on Shopee Supermarket – UOB PRVI Amex: Local cash credit deals at merchants like BHG, Atomi, Club21; travel/dining/shopping deals in Hong Kong, Taiwan, and Maldives; up to 15% discount off at Sixt Rent-a-Car and Avis car rentals; $25 off with min. spend of S$150 at Dancing Crab, Douraku Sushi, Tunglok Signatures, USHIO Sumiyaki & Sake Bar, and LingZhi Vegetarian; up to 15% off selected jewellery at SK Jewellery and Love & Co.; 20% off all exotic leather bags with a min. spend of S$1,000 at Mandarin Gift & Reptile House; S$10 return voucher with every S$80 spend on glasses at Otago Optical – UOB PRVI Mastercard: One night free at Ascott and Capella Singapore; 1-for-1 Jewel-rassic Quest and Canopy Bridge tickets at Jewel Changi Airport; up to 10% savings, complimentary gift & 10% tax-free at Mitsui Outlet Park; Up to 50% off at participating Takashimaya specialty stores; UOB PRVI Miles Mastercard Identity Theft Protection – UOB PRVI Visa: 10% off at SHEIN with min. spend of S$60; 10% off total bill at PAZZION Café with min. spend of S$100; 20% off on Pelago; 10% off PAZZION with min. spend S$250; 5% off + 10% tax exemption at BIC CAMERA, Japan; up to 5% off + 10% tax free at Japan – Don Quijote; UOB PRVI Miles Visa eCommerce Purchase Protection with up to USD$200 coverage |
| Sign-up bonus | ★★★☆☆ | Sign-up reward: Get up to 50,000 miles Gift requirements: Successfully apply for a UOB PRVI Miles Card and spend a min. of S$1,000 for 2 consecutive months from card approval date, pay first-year annual fee, and register via SMS. Valid till: 31 Oct 2023. |
See our credit card ranking rubric to find out how we rank credit cards.
Don’t miss our ultimate list of credit card reviews for the low-down on credit cards in Singapore.
UOB PRVI Miles Credit Card—MoneySmart Review 2023
- UOB PRVI Miles Card: Summary
- UOB PRVI Miles Card: Annual Fee, Minimum Income
- UOB PRVI Miles Card Minimum Spend
- UOB PRVI Miles Card Benefits
- UOB PRVI Miles Card Terms and Conditions
- How to maximise my UOB PRVI Miles Card?
- Convert UOB PRVI Miles to KrisFlyer Miles
- Should I get UOB PRVI Miles Card?
- UOB PRVI Miles Card Promotions
1. UOB PRVI Miles Card: Summary
The UOB PRVI Miles Card is UOB’s entry-level air miles card.
You earn 6 air miles for every dollar you spend with major airlines and major hotels worldwide on Expedia and Agoda, 2.4 miles on every $1 spent overseas (including online shopping on overseas websites) and 1.4 miles for every $1 spent locally.
Actually, the miles are paid to you in UNI$ (UOB’s rewards points). You must then convert your UNI$ to air miles at the conversion rate of UNI$1 = 2 miles, paying a $25 conversion fee each time. You can’t really get around this conversion fee. The only alternative is to sign up for the Singapore Airlines KrisFlyer Auto-conversion programme and pay an annual conversion fee of S$50 to have your UNI$ auto-converted to miles (in blocks of UNI$2500 to 5,000 KrisFlyer Miles) at the end of very month.
The card comes in three variants:
- Mastercard
- Visa
- American Express
While the three cards’ basic miles earn rate is the same, there are some slight differences.
[CHRISTMAS GIVEAWAY + FLASH DEAL]
The first 100 customers can get S$50 Cash + Apple Watch SE 40mm (GPS) (worth S$399), the next 100 customers can get S$50 Cash + Apple AirPods 4 Noise Cancellation (worth S$299) and the remaining customers can get S$50 Cash when you apply and spend a min of S$1,000 in Eligible Transactions! T&Cs apply.
Additionally, enrol in our Rollin' Rewards campaign for FREE and stand a chance to win 50,000 SmartPoints and redeem epic rewards!
UOB Online Promotion: PLUS new-to-UOB Credit Cardmembers can get up to 58,000 miles (1st year Annual Fee payable) OR get up to 38,000 miles (1st year Annual Fee waived) when you meet the spend criteria. T&Cs apply.
- on agoda and Expedia bookings via UOB PRVI Miles website.
- S$1 = Up to 6.6 miles
- on Overseas Spend
- S$1 = Up to 3 miles
- on Local Spend
- S$1 = 1.4 miles
[CHRISTMAS GIVEAWAY + FLASH DEAL]
The first 100 customers can get S$50 Cash + Apple Watch SE 40mm (GPS) (worth S$399), the next 100 customers can get S$50 Cash + Apple AirPods 4 Noise Cancellation (worth S$299) and the remaining customers can get S$50 Cash when you apply and spend a min of S$1,000 in Eligible Transactions! T&Cs apply.
Additionally, enrol in our Rollin' Rewards campaign for FREE and stand a chance to win 50,000 SmartPoints and redeem epic rewards!
UOB Online Promotion: PLUS new-to-UOB Credit Cardmembers can get up to 58,000 miles (1st year Annual Fee payable) OR get up to 38,000 miles (1st year Annual Fee waived) when you meet the spend criteria. T&Cs apply.
- on agoda and Expedia bookings via UOB PRVI Miles website.
- S$1 = Up to 6.6 miles
- on Overseas Spend
- S$1 = Up to 3 miles
- on Local Spend
- S$1 = 1.4 miles
MoneySmart Exclusive: Get S$100 Cash via PayNow on top of the UOB Online Promotion when you apply and spend a min. of S$500 in Eligible Transactions within 1 month from card approval date! For new-to-UOB Credit Cardmembers only. T&Cs apply.
Additionally, enrol in our Rollin' Rewards campaign for FREE and stand a chance to win 50,000 SmartPoints and redeem epic rewards!
UOB Online Promotion: PLUS new-to-UOB Credit Cardmembers can get up to 58,000 miles (1st year Annual Fee payable) OR get up to 38,000 miles (1st year Annual Fee waived) when you meet the spend criteria. T&Cs apply.
The Amex Card is the heavyweight among the 3 when it comes to benefits, with additioanl dining, shopping and hotel perks overseas in Hong Kong, Taiwan, and the Maldives. It’s also got a generous bunch of other offers in food, retail, and more, including up to 15% off car rentals at Sixt Rent-a-Car and Avis,up to 15% off selected jewellery at SK Jewellery and Love & Co., and $25 off with min. spend of S$150 at Dancing Crab, Douraku Sushi, Tunglok Signatures, USHIO Sumiyaki & Sake Bar, and LingZhi Vegetarian.
The downside to the Amex card? Amex is not as widely accepted as Visa and Mastercard, and you can’t earn miles on your daily commute. Only Mastercard and Visa cardholders can earn miles on their bus and train rides via Simply Go.
To get the UOB PRVI annual fee waived, you have to spend at least $50,000 on the Amex card. On the Mastercard and Visa, on the other hand, you can spend UNI$6,500 (UOB’s rewards points) to get the annual fee waived.
2. UOB PRVI Miles Card: Annual Fee, Minimum Income
| UOB PRVI Miles Card | |
| Annual Fee | $259.20 |
| Annual Fee Waiver | 1 year |
| Supplementary Card Annual Fee | $129.60 (first card free) |
| Interest Free Period | 21 days |
| Annual Interest Rate | 26.9% |
| Late Payment Fee | $100 |
| Minimum Monthly Repayment | 3% or $50, whichever is higher |
| Foreign Currency Transaction Fee | 3.25% |
| Cash Advance Transaction Fee | 8% (minimum fee of $15) |
| Overlimit Fee | $40 |
| Minimum Income | $30,000 (Singaporeans ) / $40,000 (non-Singaporeans) |
| Card Association | Visa, Mastercard, or American Express |
| Contactless Payment | Visa Contactless, UOB Mighty Pay, Apple Pay, Google Pay, and Samsung Pay |
3. UOB PRVI Miles Card Minimum Spend
The UOB PRVI Miles Card lets you accumulate air miles at the following rates:
- 6 miles per $1 spent on major airline and hotel bookings at Agoda, Expedia and UOB Travel
- 1.4 miles per $1 spent locally
- 2.4 miles per $1 spent overseas
- 1.4 miles per $1 spent on bus/train rides via SimplyGo (Mastercard and Visa only)
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, Expedia or UOB Travel. 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.
4. UOB PRVI Miles Card Benefits
Here’s a quick summary of UOB PRVI Miles Card’s main benefits.
| UOB PRVI Miles Card | |
| Reward Points for local spending | $5 = UNI$3.5
($1 = 1.4 miles) |
| Rewards points for overseas spending (including online shopping on overseas websites) | $5 = UNI$6
($1 = 2.4 miles) |
| Rewards points for major airlines and hotels booked on Agoda, Expedia and UOB Travel | $5 = UNI$15
($1 = 6 miles) |
| Rewards points on bus/train rides via SimplyGo (Mastercard and Visa only) | $1 = 1.4 miles |
There are a few other perks, including the following:
- Complimentary personal accident coverage and emergency medical assistance of up to S$500,000.
- S$20 off Grab ride to or from Changi Airport if you spend min. S$1,200 in a calendar month, on major airlines, hotels and/or travel services transactions using PRVI Miles Mastercard or Visa Card.
- S$12 off with min. S$20 spend for new Shopee customers / S$6 off with min. S$80 spend on Shopee Supermarket
UOB PRVI Miles Card holders enjoy a whole bunch of travel, dining and lifestyle promotions—more than we an list out in this article honestly. Check out the full list here.
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.
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, Expedia or UOB Travel in order to enjoy the $1 = 6 miles conversion 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 $1 = 2.4 miles earn rate for overseas spending is quite attractive as well.
And finally, if you hold the Visa or Mastercard versions of the UOB PRVI Miles Card, tap in and out of your MRT/bus commutes using SimplyGo to earn 1.4 miles per dollar. It may not sound like much, but these can add up over time.
7. How to convert UOB PRVI Miles to KrisFlyer miles?
Whenever you use the card, you earn UNI$ which you must then convert to air miles by paying a $25 conversion fee.
UNI$ 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.
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.
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.
9. UOB PRVI Miles Card Promotions
From now till 31 Oct 2023, get up to 50,000 miles when you successfully apply for a UOB PRVI Miles Card.
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Receive up to 45,200 Miles when you (1) pay the annual fee of S$259.20 and (2) spend at least S$1,000 in eligible transactions per month for 2 consecutive months using the card from your card approval date.
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Plus, get 4,800 miles when you charge a minimum of S$1,000 in Overseas Spends per month for 2 consecutive months.
10. Alternatives to UOB PRVI Miles Card
Here are a few other air miles cards to consider:
DBS Altitude Card: Up to $1 = 10 miles conversion rate on travel bookings and overseas spending. Miles never expire, so this can be a good option if you don’t spend much.
- Local Spend
- S$1 = 1.3 miles
- Overseas Spend (made in foreign currency)
- S$1 = Up to 5 miles
- on Online Travel Bookings
- S$1 = Up to 2.2 miles
AMEX KrisFlyer Card – Up to $1 = 3 miles on Grab rides, Singapore Airlines purchases and overseas spending. Convenient as miles are credited directly to KrisFlyer account.
- on eligible Singapore Airlines, Scoot flight bookings & KrisShop purchases
- S$1 = 2 KrisFlyer miles
- on eligible Grab Singapore transactions
- S$1 = Up to 2 KrisFlyer miles
- on all other eligible purchases
- S$1 = 1.1 KrisFlyer miles
Maybank Horizon Card – Great local spending earn rate of up to $1 = 3.2 miles on dining, petrol, public transport and Agoda bookings, but you must meet their minimum spending requirement of $300.
- on Air Tickets and Foreign Currency Spend
- S$1 = 7X Points
- on local Shopping, Groceries, Dining, Hotel Bookings
- S$1 = 3X Points
- Rewards to Miles Conversion for Selected Airline Partners
- 1 Point = 0.4 Miles
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:
| Air Miles Credit Card | Promotion | Base Earn Rate |
| UOB PRVI Miles | Up to 50,000 mile welcome bonus Min. spend: $1,000/month for 2 months + annual fee payment |
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| DBS Altitude Visa Signature Card | Up to 40,000 miles Min. spend: S$2,000 within 30 days |
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| American Express Singapore Airlines KrisFlyer Credit Card | Up to 30,500 KrisFlyer miles Min. spend: S$2,000 within first 2 months + annual fee payment |
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| Maybank Horizon | $200 cashback OR an Apple AirPods 3rd Generation (worth S$261.40) OR a pair of American Tourister Linex 66/24 Luggage TSA (worth S$336). Min. spend: S$600 each month for 2 consecutive months. |
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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.
| Is that credit card MoneySmart? Our MoneySmart credit card ranking rubric | |
| Category | Our rating |
| Overall | The average rating for the credit card on the whole, calculated from the ratings for the individual categories below. Plus, we’ll give you a one-liner on who we think the credit card is best suited for. |
| Earn rates: Air miles / Cashback / Rewards points | Air miles ✈️✈️✈️✈️✈️ / Cashback / Rewards points . This category looks at the depth rather than breadth of earn rates.
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| Earn categories | This category looks at the breadth rather than depth of your earnings.
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| Annual fees and charges |
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| Accessibility | Minimum income requirements:
Exclusivity: We dock 1-2 stars if there is/are another category/categories that make the card exclusive and very specific to a certain clientele. |
| Extras/periphery rewards | These include:
We count the number of benefits and award between 0.5 to 2 stars for each, depending on how good the perk is. |
| Sign-up bonus |
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