uob prvi miles card

UOB PRVI Miles Card Review: Best for Frequent Lux Flyers

With a UOB PRVI Miles Card, Singaporeans can quickly rack up PRVI Miles at exceptional rates seldom seen elsewhere on the market. Customers can also claim a generous annual fee waiver, as well as a 20,000 bonus miles reward once they hit a $50,000 minimum spend throughout their first 12-month period.

PRVI Miles are awarded at a rate of 2.4 miles for every $1 worth of overseas spend and 1.4 miles per $1 of local spend. What’s more, eligible major airlines and hotels worldwide will attract a whopping 6 miles per $1 spend. This makes the UOB PRVI Miles Card an excellent fit for frequent flyers.

Cardholders also get a whole host of other travel-related perks with their UOB PRVI Mastercard, Amex Card, or VISA Card. These range from complimentary travel insurance to complimentary airport transfers. That said, customers looking for other luxury benefits, or those who use their cash credit predominantly to fuel local spending rather than travel purchases, might want to shop around elsewhere.

Key Features and Benefits – Earn PRVI Miles with Major Airlines and More

  • Earn miles at a rate of 1.4 miles for every $1 of local spend (or UNI$3.5 per $5 spend).
  • Rack up PRVI Miles at an even better rate of 2.4 miles per $1 on overseas spend – including online shopping purchases.
  • Claim miles at an even more amazing 6 miles per $1 spend rate when you make purchases with major airlines and hotels worldwide.
  • Customers get complimentary travel insurance, including emergency medical assistance and personal accident coverage, of up to $500,000 with this card.
  • Cardholders can also enjoy complimentary airport transfers to Singapore Changi Airport if they opt for a UOB PRVI Miles American Express Amex card.
  • UOB PRVI Miles American Express “Amex Card” customers are eligible for a 20,000 miles bonus with a 50k minimum annual spend, too.
  • UOB PRVI Miles Mastercard customers can also claim extra perks, such as 4.4 miles per $1 on local spend and contactless spend.
  • All UOB PRVI customers get access to the UOB PRVI Travel Butler hotline, which offers help with hotel bookings, online travel bookings and car rental booking.

 

Pros and Cons of the UOB PRVI Miles Card 

UOB PRVI Miles Card Pros

  • PRVI Miles Card customers can earn PRVI Miles at fantastic rates on both local spending and overseas spend.
  • An annual fee waiver for the first year (worth $256.80) is currently available.
  • UNI$ can be redeemed either to offset card spending or claim reward vouchers for online shopping, dining, and other activities.
  • Applicants only need a $30,000 minimum annual income to apply – making this card now more accessible than ever before.
  • UOB is offering a $150 cash credit bonus to the first 100 new-to-UOB Credit Cardmembers who take out a UOB PRVI Miles Card before 28 February 2022.

UOB PRVI Miles Card Cons

  • Most UOB PRVI Card benefits are travel-related – which won’t suit customers looking for other luxury perks.
  • Customers earn miles much faster with overseas spend than with local spend, which isn’t ideal for anyone who relies on their card mainly for local spending.
  • Bonus miles earning rates are sometimes restricted to UOB PRVI Miles American Express “Amex Card” and/or Mastercard customers only, meaning customers who opt for a UOB PRVI Visa Card won’t benefit.
  • Airlines eligible for the 6 mile per $1 rate are limited to Asiana Airlines, China Southern Airlines, Swiss International Airlines, Turkish Airlines, Japan Airlines, Sichuan Airlines, Cathay Pacific and Xiamen Airlines, among a handful of others listed here.

 

How Does the UOB PRVI Miles Card Compare with Other Credit Cards in Singapore?

With its epic miles-earning rates on overseas spend, attractive one-year fee waiver and low annual income requirements, the PRVI Miles Credit Card looks like a safe bet for frequent flyers. But how does it compare to other popular credit cards on the market right now? Let’s take a brief look:

 

  Cashback Earning Potential

 

Minimum Spend (Per Month) Cash Back Cap Annual Fee Charges Minimum Income Required Other Top Benefits
UOB PRVI Miles Credit Card

 

Earn 1.4 miles per $1 on local spend and 2.4 miles per $1 on overseas spend

 

$1,000 minimum spend overseas required to unlock free airport transfers to Singapore Changi Airport

 

Minimum spend of $50,000 per year required for UOB PRVI Miles American Express Amex Card members to claim their 20,000 miles sign up bonus

 

No minimum spend or cap on rewards earned locally

 

$50,000 annual spend required to claim 20,000 mile sign up bonus

$256.80

 

(annual fee waiver available for first year)

$30,000 for Singapore Citizens and Permanent Residents

 

$40,000 for Foreigners

Earn up to 6 miles per 1$ spend with over 321,000 hotels worldwide, as well as when spending with participating airlines

 

Citi PremierMiles Visa Card

 

Earn 2 Citi Miles for every $1 worth of foreign currency spend and 1.2 Citi Miles for every $1 worth of local spend

 

No minimum spend to receive $30 cash via PayNow (for existing cardholders) N/A $192.60

 

(no annual fee waiver available)

$30,000 for Singapore Citizens and Permanent Residents

 

$42,000 for Foreigners

Citi Miles never expire – meaning you can use them to pay for any purchase whenever you please

 

Cardholders get access to deals and discounts via the Citi World Privileges scheme

 

HSBC Revolution Card

 

Get 10x Reward Points on online and contactless spending – worth approx. 4 miles / 2.5% cashback for every $1 spend

 

Enjoy 1x Reward Points per $1 spend on all other transactions

 

No minimum spend requirement enforced 10,000 Points per calendar month maximum No annual fee charges with this card $30,000 for employed Singaporeans and Permanent Residents

 

 

$40,000 for self-employed or commission-based Singaporeans, PRs, and Foreigners

Claim an additional 1% HSBC Everyday+ Cashback by depositing funds into a paired HSBC Everyday Global bank account or other eligible prepaid accounts each calendar month
Citi Prestige Mastercard

 

Claim 5 Citi ThankYou Points or 2 miles for every $1 spent overseas, and 3.25 Citi ThankYou Points or 1.3 miles for every $1 of local spend

 

N/A N/A $535 $120,000 minimum annual income required for all applicants Welcome gift of 62,500 Citi ThankYou Points available at the time of writing

 

Six Complimentary golf green fee discounts available across Singapore, China, Indonesia, and Malaysia

 

Access to Citi WorldPrivileges program available

 

Standard Chartered Visa Infinite Card

 

Earn up to 3 miles for every $1 spend $2,000 eligible spend required each statement cycle N/A $588.50 $30,000 for Singapore Citizens and Permanent Residents

 

$60,000 for Foreigners with Employment Passes

 

$150,000 for all other customers

Get 6x airport lounge access visits through SC’s Priority Pass scheme

 

35,000 mile welcome gift available at the time of writing

 

6 months Disney+ subscription available when you activate your card

 

OCBC Voyage Card

 

Get 2.2 VOYAGE Miles with every $1 of foreign spend and 1.3 VOYAGE Miles with every $1 of local spend

 

N/A No “blackout dates” – meaning you can redeem air miles or Asia miles at any time via OCBC’s payment gateway

 

$488 with 15,000 VOYAGE Miles or $3,210 with 150,000 VOYAGE Miles (for principal card)

 

$120,000 minimum income requirement for all applicants

 

VOYAGE Miles will never expire
DBS Altitude Visa Card

 

Earn 5 miles per $1 on online flight and hotel transactions

 

Earn 2 – 5 miles per $1 on overseas spend (depending on transaction type) and 1.2 miles per $1 on local spend

 

$2,500 minimum spend per calendar month $5,000 per month cap on online flight and hotel transactions $192.60

(annual fee waived if you charge $25,000 per annum to your card)

$30,000 for Singapore Citizens and PRs

 

$45,000 for Foreigners

Earn miles that never expire

 

The UOB PRVI Miles Card offers a significantly higher rewards rate than the Citi PremierMiles Card, which seems to be geared more toward regular spenders who just want to enjoy a few simple travel perks. UOB also has the upper hand in that the Citi PremierMiles Card isn’t offering any annual fee waiver to new customers with this particular card.

That said, Citi’s Prestige Mastercard is much more travel-centric, offering better miles-earning potential than UOB’s PRVI Miles Credit Card across some spending categories –making it a much more viable alternative. This is especially true for luxury travellers who like golf, but you will need to cross a $120,000 minimum annual income threshold before you can apply.

Elsewhere, the HSBC Revolution Credit Card really ups the ante for anyone who favours Rewards Points over miles when earning – with a 10x earning rate that’s hard to beat elsewhere on the market. That said, the best rates available with this card seem to affect online spend as opposed to overseas and in-person transactions, which might not suit those with a jet-setting lifestyle.

Standard Chartered’s Visa Infinite Card offers Priority Pass airport lounge access and a bumper 35,000 miles welcome gift at the time of writing, making it a bit more suitable for frequent flyers. SC’s lax miles-earning potential will earn you a flat 3-mile per $1 spend across all spending categories, but you’ll need to hit a $2,000 minimum spend every single statement cycle to benefit. This means that air miles, Asia miles and airport lounge lovers might want to consider the comparably less restrictive OCBC Voyage Card or UOB PRVI Miles Card instead.

OCBC’s offering is super-competitive when it comes to air miles or Asia miles earning rates and, much like the Citi PremierMiles Card, offers the added benefit that your miles/points will never expire. However, the DBS Altitude Visa Card offers this service too, alongside superior miles earning rates to customers who can brave its $2,500 minimum spend limit each calendar month. This makes the DBS Card yet another very viable alternative to the UOB PRVI Miles Card.

As our comparison table demonstrates, the UOB PRVI Miles Credit Card offers some serious benefits, but especially stands out from the crowd when it comes to its very accessible income requirements and competitive annual fee. Not only will UOB have your annual fee waived for the first year, but when it eventually kicks in, that $256.80 charge is much more reasonable than what most other air miles and Asia miles oriented credit cards in Singapore are offering right now (aside from DBS and Citi). Ultimately, however, which card best suits you will depend on your unique spending habits and credit card requirements. 

Is the UOB PRVI Miles Card Right for You?

asia muslim lady using credit card

If your top priority is to earn miles at lightning speed, your overseas spending far exceeds any local spending and you regularly hop on and off flights with any of the major airlines noted in UOB’s participating airlines list here, then the UOB PRVI Miles Credit Card might just be your perfect cash credit companion.

While some competitor cards may offer better air miles earning rates, bonus miles promotions or richer rewards, customers are usually expected to hit high minimum spend requirements or meet challenging minimum annual income thresholds to get their hands on them. In comparison, the UOB PRVI Miles Card is readily accessible to any Singapore Citizens or Permanent Residents earning over $30,000, offers loose minimum spending and air miles cap restrictions and tons of great benefits.

If you’re a frequent flyer looking for easy card approval, cash credit perks and straightforward air miles earning potential, this is definitely one of the best cards on the market right now for you. Read more on the best credit cards in Singapore.

How to Apply for a UOB PRVI Miles Credit Card – Process, Annual Fee Costs and More Explained

You can apply for your UOB PRVI Miles Card quickly and easily online here at the UOB bank account website – but you’ll need to meet several important eligibility requirements before you will receive card approval. Most notably, you will need to be:

  • At least 21 years old
  • Earning $30,000 or more per annum (if you are a Singapore Citizen or Permanent Resident)
  •  Earning $40,000 or more per annum (if you are a Foreigner)

In addition to this, you’ll need to ensure that you are 100% happy with the various fees and charges associated with your UOB PRVI Miles Card. The most important charges to be aware of, are:

  • Annual Fee – $256.80 (first year annual fee waiver available)
  • Supplementary Card Fee – $128.40
  • Interest Rate (Annual) – 26.90% (with 21 day interest-free period)
  • Foreign Currency Transaction Fee – 3.25%
  • Late Payment Fee – $100
  • Cash Advances Fee – 6%
  • Fee for Exceeding Credit Limit – $40

Frequently Asked Questions (FAQs) About the UOB PRVI Miles Card

Still unsure whether the UOB PRVI Miles Credit Card is the right choice for you? Instant Loan has compiled a selection of frequently asked questions (FAQS) about this popular credit card below, providing you with the additional information you might need to make your final decision. 

How Many Free Singapore Airport Transfer Opportunities Can I Get?

UOB PRVI Miles Credit Card customers who hit a minimum spend overseas of $1,000 will be entitled to claim a maximum of two (2) free airport transfers per quarter with their PRVI Miles Credit Card. 

How Do I Book a Complimentary Airport Transfer?

You can book or pre-arrange airport transfers under your complimentary airport transfer allowance quickly and easily with UOB. Book airport transfers to and/or from Singapore Changi Airport by calling +65 6651 2253 during the opening hours stated in UOB’s terms and conditions for this card here.

How Do I Claim My 20,000 Miles Sign Up Bonus? 

These bonus miles, which are available to UOB PRVI Miles American Express Credit Card holders only, can be claimed once you’ve spent a minimum of $50,000 or more using your PRVI Miles American Express Card within your first 12-month statement period.

Which Hotels Are Eligible for the 6 Miles per $1 Spend Offer?

You can book at more than two million hotels globally with Agoda, 321,000 with Expedia and 450,000 elsewhere. More details, terms and conditions can be accessed on the UOB website here

Which Airlines are Eligible for the 6 Miles per $1 Spend Offer? 

Depending on whether you are using Agoda, Expedia or UOB Travel to book, participating major airlines may include Air China, Air France, American Airlines, Asiana Airlines, British Airways, Cathay Pacific, China Airlines, China Eastern Airlines, China Southern Airlines, Emirates, Etihad, EVA Air, Finnair, Garuda Indonesia, Japan Airlines, KLM Royal Dutch Airlines, Lufthansa, Qantas, Qatar Airways, Starlux Airlines, Swiss International Airlines, Sichuan Airlines, Turkish Airlines, Thai Airways International, Nippon Airways, United Airlines and Xiamen Airlines. Full terms and conditions can be found here.

How Do Foreign Currencies Transactions Work?

You can earn 2.4 miles per $1 on foreign currency transactions with this card. Your rewards will initially be credited in UNI$ at a rate of UNI$6 per $5 spend. Each transaction must be logged outside of Singapore and paid in a foreign currency before it will be deemed eligible. Local spend made in Singapore Dollars within Singapore will instead attract 1.4 miles per $1 spend or UNI$3.5 per $5 spend.

Where Can I Redeem My UOB PRVI Miles Rewards?

Any air miles rewards racked up using your UOB PRVI Miles Credit Card can be redeemed with 40 partner airlines, including British Airways, Thai Airways International, Cathay Pacific and many more. Conversely, you can also claim cash to offset your spending, or redeem reward vouchers and travel packages via the UOB PRVI Travel Butler.

Are Insurance Payments and Grab Transactions Eligible for UNI$?

No, unfortunately neither insurance payments nor Grab taxi transactions are eligible for earning UNI$ as of 2015 onwards.

Do Qualifying Transactions with Agoda, Expedia and UOB Travel Have to Fall Within a Certain Timeframe?

Yes, if you’re claiming that 6 mile per $1 rate, all Agoda bookings must fall between 31 December 2022 and 30 June 2023 to be eligible. Similarly, Expedia bookings must fall between 30 April 2022 and 31 July 2022 and UOB Travel bookings and travel packages must take place before 31 December 2022. More information can be found here.

How Do I Get My $150 Cash Credit?

This offer is only available to the first 100 new-to-UOB Credit Cardmembers per calendar month. You must also hit a minimum spend of $1,500 within 30 days of your card approval date to claim this deal. The full terms and conditions regarding this attractive offer can be accessed online here

How Do I Redeem My UNI$?

Any UNI$ you accumulate using your card can be quickly and easily redeemed using the UOB Rewards website here.

Conclusion – Things to Consider Before Getting a UOB PRVI Miles Card

The UOB PRVI Miles Credit Card stands out from the competition thanks to its competitive air miles earning rates, sensible annual fee costs and super-accessible minimum annual income threshold. That said, taking out a credit card should always be a highly personal decision. This means that you should carefully consider the following before you apply:

  • You’ll need to be earning at least $30,000 and meet all the other eligibility requirements listed above before you can apply
  • Air miles earnings rates differ depending on whether you’re spending locally, overseas, or on hotel bookings and major airlines purchases with eligible airlines and hotels worldwide.
  • Only customers who opt for the PRVI Miles Amex Card will be able to access the 20,000 mile bonus that’s on offer at the time of writing.
  • Airport transfer perks are limited to just two transfers per quarter with a minimum spend of $1,000 overseas per quarter
  • Other cards might offer better air miles earning rates on transactions that better suit your spending habits – meaning you should always compare the market before you commit.

Here at Instant Loan, we like to keep our readers up to date with regular credit card reviews, news articles regarding personal loans, home loans, other financial products, and more. If you need personal or home loans today, you can compare quotes from licensed moneylenders using our loan comparison service.

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