FinanceFebruary 8, 2022by hippo2022UOB 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

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:

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• Earn 6 miles with every S$1.00 spent on major airlines and hotels booked through Expedia, UOB Travel, and Agoda

• Earn 2.4 miles for every S$1.00 spent overseas (including online shopping from overseas websites), and 1.4 miles for every S$1.00 spent locally

• Choice to redeem for miles, cash rebate or vouchers

• No minimum spend and no cap on earned miles

• Complimentary personal accident coverage and emergency medical assistance of up to S$500,000

UOB PRVI MASTERCARD Miles Card

Local Spend

S$1 = 1.4 Miles

Overseas Spend

S$1 = 2.4 Miles

Selected Online Hotel and Flight bookings

S$1 = 6 Miles

Apply Now

More Details

Key Features

• Earn 6 miles with every S$1.00 spent on major airlines and hotels booked through Expedia, UOB Travel, and Agoda

• Earn 2.4 miles for every S$1.00 spent overseas (including online shopping from overseas websites), and 1.4 miles for every S$1.00 spent locally

• Choice to redeem for miles, cash rebate or vouchers

• Complimentary personal accident coverage and emergency medical assistance of up to S$500,000

See all card details

UOB PRVI Miles American Express Card

Local Spend

S$1 = 1.4 Miles

Overseas Spend

S$1 = 2.4 Miles

Selected Online Hotel and Flight bookings

S$1 = 6 Miles

Apply Now

More Details

Key Features

• Earn 6 miles with every S$1.00 spent on major airlines and hotels booked through Expedia, UOB Travel, and Agoda

• Earn 2.4 miles for every S$1.00 spent overseas (including online shopping from overseas websites), and 1.4 miles for every S$1.00 spent locally

• Choice to redeem for miles, cash rebate or vouchers

• Complimentary personal accident coverage and emergency medical assistance of up to S$500,000

• 20,000 loyalty miles every year with minimum spend of S$50,000 in a year for the PRVI Amex Miles Card only

See all card details

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).

Online Promo

Earn Miles That Never Expire

DBS Altitude Visa Signature Card

Local Spend

S$1 = 1.2 Miles

Overseas Spend

S$1 = 2 Miles

Staycation bookings

S$1 = 10 Miles

Online Promo:

Get up to 38,000 Miles with promo code ALTAF and spend a minimum of S$6,000 to your card in 90 days from card approval date. Valid till 30 April 2022. T&Cs apply.

Valid until 30 Apr 2022

Apply Now

More Details

Key Features

See all card details

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.

Convenience & Perks for Frequent Flyers

American Express Singapore Airlines KrisFlyer Credit Card

Local Spend

S$1 = 1.1 Miles

Overseas Spend

S$1 = 2 Miles

Grab rides

S$1 = 3.1 Miles

Apply Now

More Details

Key Features

• Earn 2 KrisFlyer miles for every S$1 equivalent in foreign currency on eligible purchases during June and December each year, with no cap.

• S$1 = 3.1 KrisFlyer miles for Grab Singapore transactions, capped at S$200 per month

• First Year Fee Waiver of S$176.55

• Receive 5,000 KrisFlyer miles upon first spend on card

• Eligible with Apple Pay, Google Pay, Samsung Pay

See all card details

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 Horizon Visa Signature

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

Apply Now

More Details

Key Features

• Earn 3.2 air miles (8X TREATS Points) for every S$1 spent on dining, petrol, taxi fares and hotel bookings at Agoda.com/horizon

• Earn 2 air miles (5X TREATS Points) for every S$1 spent on air tickets, travel packages and foreign currency transactions

• Complimentary lounge access with minimum spend of S$1,000 in a single transaction on a retail purchase

• Complimentary Travel Insurance up to S$1,000,000

• 3 years annual fee waived

See all card details

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!

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