UOB PRVI Miles Credit Card – MoneySmart Review 2022

UOB PRVI Miles Credit Card – MoneySmart Review 2022

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.

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

Contents

  1. UOB PRVI Miles Card: Summary
  2. UOB PRVI Miles Card: Annual Fee, Minimum Income
  3. UOB PRVI Miles Card Minimum Spend
  4. UOB PRVI Miles Card Benefits
  5. UOB PRVI Miles Card Terms and Conditions
  6. How to maximise my UOB PRVI Miles Card?
  7. Convert UOB PRVI Miles to KrisFlyer Miles
  8. Should I get UOB PRVI Miles Card?
  9. 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, 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.

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.

UOB logo
MoneySmart Exclusive
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
MoneySmart Exclusive:

Apply and spend S$500 monthly for the first 2 consecutive months to get S$150 Cash via PayNow OR Apple Airpods Gen 3 (worth S$269) OR Lenovo Tab M10 HD (2nd Gen) (worth S$269) (First 200 applicants) or S$50 Cash via PayNow (201 applicant onwards). T&Cs Apply.

Valid until 31 Oct 2022

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

Apply and spend S$500 monthly for the first 2 consecutive months to get S$150 Cash via PayNow OR Apple Airpods Gen 3 (worth S$269) OR Lenovo Tab M10 HD (2nd Gen) (worth S$269) (First 200 applicants) or S$50 Cash via PayNow (201 applicant onwards). T&Cs Apply.

Valid until 31 Oct 2022
UOB logo
MoneySmart Exclusive
Local Spend
S$1 = 1.4 Miles
Overseas Spend
S$1 = 2.4 Miles
Selected Online Hotel and Flight bookings
S$1 = 6 Miles
MoneySmart Exclusive:

Apply and spend S$500 monthly for the first 2 consecutive months to get S$150 Cash via PayNow OR Apple Airpods Gen 3 (worth S$269) OR Lenovo Tab M10 HD (2nd Gen) (worth S$269) (First 200 applicants) or S$50 Cash via PayNow (201 applicant onwards). T&Cs Apply.

Valid until 06 Oct 2022

The Amex Card has some additional perks—the option of a 20,000 mile loyalty bonus when you spend at least $50,000 in a year and complimentary airport transfers to Changi Airport for a year.

Conversely, only Mastercard and Visa cardholders can earn miles on their bus and train rides via Simply Go. In addition, some of their promotions are only applicable to Visa and Mastercard holders.

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.

If you’re not sure which one to choose, be aware that Amex is less widely accepted than Visa and Mastercard.

2. UOB PRVI Miles Card: Annual Fee, Minimum Income

UOB PRVI Miles Card
Annual Fee $256.80
Annual Fee Waiver 1 year
Supplementary Card Annual Fee $128.40 (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
Card Association Visa, Mastercard or American Express
Contactless Payment MasterCard PayPass, Visa payWave, Apple Pay, Samsung Pay, Android Pay, Mighty 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 airport transfer to Changi Airport (Amex only)
  • Use of UOB PPRVI Travel Butler hotline for travel assistance
  • Complimentary travel insurance when you book your trip on the card

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

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.

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 a pretty generous miles earn rate not only compared to other entry-level air miles credit cards but also some higher-income cards.

In particular, the miles conversion rate on local spending is actually quite high compared to what other cards are offering.

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 (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

UOB is offering a 21,000 mile welcome bonus for the first 100 new-to-UOB customers who sign up for the card in August and spend at least $1,500 within 30 days of card approval

Until 31 August 2022, Mastercard and Visa card holders also get $10 off Grab rides to and from Changi Airport with the promo code UOBPM (limited to first 500 redemptions).

UOB PRVI Miles Card holders enjoy a whole bunch of travel, dining and lifestyle promotions. Check out the full list here.

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 21,000 mile welcome bonus (must spend at least $1,500 within 30 days)

$10 off Grab rides (Mastercard and Visa only) with promo code UOBPM

6 miles = $1 on major airline and hotel bookings at Agoda, Expedia and UOB Travel

1.4 miles = $1 on local spend

2.4 miles = $1 on overseas spend

1.4 miles = $1 on bus/train rides via SimplyGo (Mastercard and Visa only)

DBS Altitude Card Complimentary Digital Priority Pass membership with 2 free lounge visits

7% off Agoda hotel bookings

10% cashback on Booking.com accommodation bookings

8% off Hotels.com bookings

$1 = 10 miles on hotel transactions at Kaligo

$1 = 6 miles on flight and hotel transactions at Expedia

$1 = 3 miles on online flights and hotel transactions

$1 = 2 miles on overseas spend

$1 = 1.2 miles on local spend

AMEX KrisFlyer Up to 22,000 mile welcome gift when you spend $2,000 within first 3 months $1 = 3.1 miles on Grab

$1 = 2 miles on Singapore Airlines and KrisShop

$1 = 2 miles on overseas spend in June and December

$1 = 1.1 miles on local spend

$1 = 0.5 miles on Singapore Airlines installment plans

Maybank Horizon Free Samsonite luggage worth $550 $1 = 3.2 miles on local restaurant dining, local petrol, local public transport including Grab and taxis and Agoda hotel bookings

$1 = 2 miles for air tickets, travel packages, cruise packages and foreign currency transactions for online purchases or overseas spending

 

Compared to the competition, UOB PRVI’s 21,000 mile welcome gift is actually quite generous, but you have to make sure you spend $1,500 within 30 days after your card is approved.

10. Alternatives to UOB PRVI Miles Card

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.

DBS logo
Earn Miles That Never Expire
Local Spend
S$1 = 1.2 Miles
Overseas Spend
S$1 = 2 Miles
Staycation bookings
S$1 = 10 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.

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
Get up to 22,000 worth of KrisFlyer Miles (worth a return trip to Bali via Singapore Airlines) from Amex when you apply. Min. spends of S$2,000 within the first 3 months of Card Approval required. T&Cs Apply.
Valid until 31 Oct 2022

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.

Maybank logo
Online Promo
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 = 0.4 miles
Online Promo:
Get Samsonite Harts 68/25 Spinner worth S$550 with Maybank Credit Cards and CreditAble^
Simply apply for a new Maybank Credit Card and CreditAble, and charge to your Credit Card and/or withdraw from your CreditAble Account a minimum of S$300 for each of the first two consecutive months upon approval. T&Cs apply.
Valid until 31 Oct 2022

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!