The UOB PRVI Miles card pays 1.4 miles per dollar on local spend, 2.4 on general overseas spend and 3 in Indonesia, Malaysia, Thailand and Vietnam, with up to 8 miles per dollar on hotels booked through its Agoda and Expedia links. The annual fee is S$261.60, waived the first year, and on the Amex version again in any year you spend S$50,000. Income needed is S$30,000 for citizens and PRs, S$40,000 for foreigners. Among entry-level miles cards with no minimum spend and no earn cap, that 1.4 local rate is the highest in Singapore as of October 2026 (DBS Altitude and OCBC 90N pay 1.3), which is the whole reason people still carry it. Premium cards can beat it: DBS Vantage pays 1.5 locally until 2 November 2026, then 1.4. The catch sits in the rounding: UOB works out UNI$ on each transaction and rounds down to a whole UNI$, so small purchases lose the biggest share of their miles. Here is the maths, checked against UOB's own terms.
Update, 13 October 2026: UOB's terms give the S$50,000 annual fee waiver to the Amex version only, where this review earlier applied it to all three cards. Most reviews open with a beach photo. Here is the entire card laid out first, current as of October 2026, every line checked against UOB's own card page and terms. The PRVI Miles comes in three flavours, Visa, Mastercard and American Express, with near-identical earn rates. UOB dropped the Amex version's complimentary airport transfer from 1 April 2026, but the Amex still has terms of its own. It is the only one of the three with a spend waiver on the annual fee, and from 1 July 2026 it pays 5,000 bonus miles in any calendar quarter with S$8,000 of in-person overseas spend.
| Item | Detail |
|---|---|
| Annual fee | S$261.60 (incl. GST), first year waived |
| Fee waiver after | Spend S$50,000 in a membership year (Amex version only) |
| Income (citizen / PR, under 56) | S$30,000 per year |
| Income (citizen / PR, 56+) | S$15,000 per year |
| Income (foreigner) | S$40,000 per year |
| Local earn rate | 1.4 miles per S$1 (UNI$3.5 per S$5) |
| General overseas earn rate | 2.4 miles per S$1 (UNI$6 per S$5) |
| Regional (IDR / MYR / THB / VND) | 3 miles per S$1 |
| Agoda / Expedia via UOB links | Up to 8 miles per S$1 |
| UNI$ / miles expiry | 2 years from the quarter earned |
| Minimum miles transfer | 5,000 UNI$ = 10,000 miles |
| Transfer fee | S$27 per conversion |
| Transfer partners | KrisFlyer, Asia Miles, AirAsia |
| Foreign currency fee | 3.25% |
| Airport lounge | 4 Priority Pass visits per calendar year |
A mile is worth roughly 1 to 2 cents depending on how you redeem it, so 1.4 miles per dollar locally returns about 1.4 to 2.8 cents of value per dollar spent. That sounds small until you compare it to rivals: the main entry-level miles cards in Singapore pay 1.2 to 1.3 mpd locally, so the PRVI's 1.4 is a real, if modest, edge on everyday spend that does not fall into any bonus category.
Overseas is the stronger story. General foreign spend earns 2.4 mpd, and the four neighbouring markets of Indonesia, Malaysia, Thailand and Vietnam earn 3 mpd, which is generous for a card with no minimum spend gate on those rates. Both rates need the spend charged in foreign currency through a merchant whose payment gateway is outside Singapore; spend charged in SGD earns 1.4. The drag is the 3.25% foreign currency fee that UOB charges on every overseas transaction. At 1.5 cents a mile, 2.4 mpd is worth about 3.6 cents per dollar, and the fee takes 3.25 of it. If you travel often, pairing this card with a multi-currency wallet that sidesteps the markup changes the maths; see our comparison of the best miles cards in Singapore for how 2.4 mpd stacks up once the FX fee is counted.
The headline 8 mpd only fires when you book hotels through the dedicated UOB PRVI Agoda or Expedia landing pages, not the standard apps. Book the same hotel through the normal Agoda site and you earn the plain overseas rate. The bonus tiers shift each season, so check the validity window before you book.
Update, 13 October 2026: UOB's terms work out UNI$ on each transaction's full amount, so this section no longer says the spend left over after each S$5 block earns nothing. This is the part the marketing skips. UOB does not pay miles directly. It pays UNI$, at UNI$3.5 per S$5 of local spend, then converts them to miles at 2 miles per UNI$ when you redeem. Its terms work out the UNI$ on each transaction's full amount and round down to a whole UNI$. Spend S$9 and the maths gives UNI$6.3, so you get UNI$6, or 12 miles instead of 12.6. Spend S$5 and you get UNI$3, not 3.5, which is 1.2 mpd. Anything under about S$1.43 earns nothing.
Over a year of coffees and small grocery bills, that rounding quietly shaves a slice off your real earn rate, because every transaction can lose up to just under one UNI$, or 2 miles. Larger transactions lose a smaller share of their miles, and the headline 1.4 mpd is a ceiling, not a guarantee. If you want to see whether a fee card like this actually pays for itself against your spending pattern, run the numbers through our personal budget calculator before you apply. For the jargon, our GST glossary entry explains why the S$261.60 fee already includes the 9% tax.
Update, 13 October 2026: UOB no longer lists a welcome offer for the PRVI Miles cards (this review earlier gave up to 50,000 miles), and the up to 5 mpd overseas promo ended on 30 June 2026. UOB's credit card sign-up offers page, as of October 2026, has welcome gifts for other UOB cards but none for the PRVI Miles Visa, Mastercard or Amex, and the old PRVI sign-up page is gone. So there is no bonus to rush for. Offers come and go, so check that page on the day you apply.
Run the maths on the renewal years. On the Amex version the fee waives automatically once you spend S$50,000 in a membership year, so a high spender pays nothing after year one. UOB's terms give the Visa and Mastercard no such waiver. The Amex also pays 20,000 bonus miles in a membership year with S$80,000 of spend, up from S$50,000 for cards approved from 1 August 2026, and for older cards from the first membership year that starts on or after 1 October 2026. If you pay the fee, the S$261.60 is only worth it when the miles you earn plus any anniversary perk clear that value. Treat the fee like a subscription: it makes sense only if your annual spend and bonuses return more than S$261.60 of value. For rival sign-up deals, see our roundup of the current miles card promotions.
When you redeem, you convert UNI$ to miles in blocks. The minimum is 5,000 UNI$, which becomes 10,000 miles, and each conversion costs S$27. Transfer partners are KrisFlyer, Cathay Asia Miles and AirAsia, a shorter list than some rivals, and the KrisFlyer transfer typically lands within 48 hours. Once the miles reach KrisFlyer, our guide on how to redeem KrisFlyer miles for SIA award flights walks through finding award space.
Watch the clock. UNI$ expire two years from the quarter you earned them, so unlike cards whose miles never lapse, the PRVI rewards a saver who redeems on a schedule. Let UNI$ sit too long and they vanish. If you already hold UOB cards, the UNI$ pool across them, which makes hitting transfer minimums easier. On perks, the card includes four complimentary Priority Pass lounge visits a calendar year, complimentary travel insurance when you charge your air ticket to the card, and a Tablet Plus membership worth about USD 99. The lounge visits cannot be shared and do not roll over.
The PRVI Miles fits a clear profile: a steady spender who books hotels through the bonus links and wants the highest local earn rate among entry-level miles cards. Only the Amex version waives the fee, at S$50,000 a year. The 1.4 mpd floor and the regional 3 mpd make it a sensible workhorse to anchor a wallet, topped up with sharper category cards for dining or online spend.
It is a weaker fit if your spend is low and irregular, because the UNI$ rounding and the two-year UNI$ expiry both bite hardest on small, scattered transactions, and you may never reach the spend waiver. Anyone who wants miles that never expire, or a longer transfer-partner list, will be happier elsewhere. New to miles cards entirely? Start with our best miles cards guide to see where the PRVI sits before you commit to a fee card.
Singapore citizens and PRs under 56 need a minimum annual income of S$30,000, while those aged 56 and above need S$15,000. Foreigners need S$40,000 per year. These thresholds are set by UOB in line with MAS unsecured credit guidelines.
You earn 1.4 miles per S$1 on local spend, 2.4 miles per S$1 on general overseas spend, and 3 miles per S$1 in Indonesia, Malaysia, Thailand and Vietnam. The overseas rates need the spend charged in foreign currency through a merchant whose payment gateway is outside Singapore; spend charged in SGD earns 1.4. Hotel bookings through the UOB Agoda and Expedia links earn up to 8 miles per S$1, as of October 2026.
Yes. UNI$ earned on the PRVI Miles card expire two years from the end of the quarter in which you earned them. That makes the card better suited to people who redeem on a regular schedule rather than letting a balance sit untouched for years.
The S$261.60 annual fee is waived in the first year. On the Amex version it is also waived in any membership year you spend S$50,000 or more; UOB's terms give the Visa and Mastercard no spend waiver. If you pay the fee, it is only worth it when the miles and anniversary bonuses you earn return more than S$261.60 of value.
This is general financial information for Singapore, not personal financial advice. Figures change, so verify current rates against the official sources above before acting. See our full disclaimer.
Junxiong-WFG Organisation is an authorised representative of AIA Financial Advisers Private Limited (Reg. No. 201715016G).