UOB PRVI Miles Credit Card – MoneySmart Review 2022

UOB PRVI Miles Credit Card – MoneySmart Review 2022

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. 

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

UOB PRVI Miles Credit Card terms & conditions

UOB PRVI Miles Credit Card
Annual fee & waiver $256.80 (waived for 1 year)
Supplementary annual fee First 2 supp cards free, subsequently $128.40
Interest free period 21 days
Annual interest rate 26.90%
Late payment fee $100
Minimum monthly repayment 3% or $50, whichever is higher
Foreign currency transaction fee 3.25%
Cash advance transaction fee 6%
Overlimit fee $40
Minimum income $30,000 (Singaporean) / $40,000 (non-Singaporean)
Card association MasterCard, Visa, American Express
Wireless payment MasterCard PayPass, Visa payWave, Apple Pay, Samsung Pay, Android Pay, Mighty Pay

How the UOB PRVI Miles Card works

The UOV PRVI Miles Card’s greatest strength is its generous miles conversion rate for both local and overseas spending.

$1 = 1.4 miles on local spending is significantly higher than the “market rate” of $1 = 1.2 miles offered by most entry-level miles cards, while $1 = 2.4 miles overseas is impressive compared to the usual $1 = 2 miles.

The generous bonus earn rate of $1 = 6 miles on Expedia, Agoda, and UOB Travel rewards you even more for making flight and hotel bookings online. Note that the offer is limited to certain airlines, and doesn’t include budget airlines.

One important thing to note is that UOB miles expire within 2 years. If you are confident that you can earn enough miles to fly somewhere decent within that time frame, then that won’t be an issue.

The card comes in Visa, Mastercard and American Express variants:

UOB logo
High Miles Earn Rate
Local Spend
S$1 = 1.4 Miles
Overseas Spend
S$1 = 2.4 Miles
Selected Online Hotel and Flight bookings
S$1 = 6 Miles

UOB logo
Local Spend
S$1 = 1.4 Miles
Overseas Spend
S$1 = 2.4 Miles
Selected Online Hotel and Flight bookings
S$1 = 6 Miles
UOB logo
Local Spend
S$1 = 1.4 Miles
Overseas Spend
S$1 = 2.4 Miles
Selected Online Hotel and Flight bookings
S$1 = 6 Miles

Other perks of the UOB PRVI Miles Card

Most air miles credit cards offer some sort of travel-related benefits. Like many others on the market, the UOB PRVI Miles Card offers free travel insurance when you charge your entire travel fare to the card.

If you’re looking for travel perks, consider getting the American Express version of this card as it offers 20,000 loyalty miles every year with minimum spend of S$50,000 in a year and $45 rebate on a one-way limousine ride to Changi Airport, plus if you’re amongst the first 100 new members to sign up for the card, you’d be awarded a cashback of $150.

Who should use the UOB PRVI Miles Card?

Don’t be fooled by the entry level income requirement – the UOB PRVI Miles Card actually works best for high spenders such as business travellers.

Families are also in a great position to take advantage of the high miles conversion rate on on local spending, since they’re likely to consistently spend a significant amount of money each month on the kids, groceries, dining and so on.

And if you thought travelling was expensive, try travelling as a family when you’re the one who has to pay for everything. With multiple air tickets to purchase and multiple mouths to feed, the miles you earn overseas can quickly add up.

However, if you’re not at this expensive life stage yet, you might find yourself better off with a miles card whose miles don’t expire, so you have a longer time to accumulate miles. The annual fee is also relatively high, although it is waived for the first year.

Alternatives to UOB PRVI Miles Card

As a credit card for accumulating frequent flyer miles, the UOB PRVI Miles Card is pretty attractive overall. Here’s how UOB PRVI Miles Card stacks up against a few similar credit cards:

DBS Altitude Card – Similar entry level miles card but with poorer earn rates. There’s a similar structure for earning miles, with a bonus category for online travel bookings. However, DBS miles don’t expire, and there’s a lower annual fee of $192.60 (waived for the first year).

DBS logo
Online Promo
Earn Miles That Never Expire
Local Spend
S$1 = 1.2 Miles
Overseas Spend
S$1 = 2 Miles
Staycation bookings
S$1 = 10 Miles
Online Promo:
Up to 34,000 miles with promo code ALTVIS and make a min. spend of S$4,000 within 60 days of card approval. Valid till 30 June 2022. T&Cs apply.
Valid until 30 Jun 2022

Amex KrisFlyer Credit Card Miles conversion rates are generally poorer, but there’s a generous sign-up bonus if you’re planning to spend $6,000 within 6 months. The miles go straight into your KrisFlyer account so it’s super easy to use.

American Express logo
MoneySmart Exclusive
Convenience & Perks for Frequent Flyers
Local Spend
S$1 = 1.1 Miles
Overseas Spend
S$1 = 2 Miles
Grab rides
S$1 = 3.1 Miles
MoneySmart Exclusive:

Get an Apple Airpods Generation 3 (worth S$269) or $180 Cash via PayNow when you apply and spend on your card! T&Cs apply.

Valid until 31 May 2022

Maybank Horizon Visa Signature Poor base earn rates, but very good bonus rate of $1 = 3.2 miles for certain specific local spending categories: dining, petrol, taxis, as well as bookings on Agoda. There’s a minimum spend of $300 per month though.

Maybank logo
on Dining, Petrol, Taxi and Hotel Bookings at Agoda
S$1 = 8X Points
on Air Tickets, Travel Packages and Foreign Currency Spend
S$1 = 5X Points
Rewards to Miles Conversion for Selected Airline Partners
1 Point = 0.5 miles

Notice that the UOB PRVI Miles card beats the competition when it comes to basic spending. This makes it better than the competition for families with high day-to-day costs.

Convinced that the UOB PRVI Miles is for you? Apply now! 

What credit card do you use to accumulate air miles? Share your recommendations in the comments!