UOB has launched a year-end promo that lets PRVI Miles cardholders earn 5 miles per dollar on overseas in-person dining and shopping, valid from 17 November to 31 December 2025. If you’re traveling during this period, this is one of the highest FCY (foreign currency) earn rates available—though it comes with conditions you need to meet.
UOB PRVI Card
Earn 1.4 miles per dollar on local spend and up to 3 miles per dollar on foreign currency spend
4 Priority Pass visits per calendar year
Key Highlights
- Earn 5 miles per dollar on Overseas Dining & Shopping
- Earn a boosted 5 miles per dollar when you spend at least S$1,500 on eligible in-person foreign currency transactions:
- Regional FCY: 3 miles per dollar base + 2 miles per dollar bonus
- Non-regional FCY: 2.4 miles per dollar base + 2.6 miles per dollar bonus
- All combinations land at a total of 5 miles per dollar.
- Earn a boosted 5 miles per dollar when you spend at least S$1,500 on eligible in-person foreign currency transactions:
- Valid for All PRVI Miles Cards:
- PRVI Miles Visa
- PRVI Miles Mastercard
- PRVI Miles AMEX
- You can participate only once, even if you hold multiple variants
- SMS Registration Required
- Send: PMX <last 4 characters of NRIC/Passport> to 77862
Bonus Miles Cap
The bonus portion is capped at 8,000 miles for the entire promo period.
This means your maximum eligible spend is:
Spend Type | Base Reward | Bonus Reward | Cap in Spend |
Regional FCY (Indonesia, Malaysia, Thailand, Vietnam) | 3 miles per dollar | +2 miles per dollar bonus | S$4,000 |
Non-regional FCY (Rest of the World) | 2.4 miles per dollar | +2.6 miles per dollar bonus | S$3,080* |
*This is supposedly S$3,076.9, but UOB rounds transaction to the nearest S$5
If you spend more than this, the base miles still apply, but the bonus miles stop.
Supplementary cardholder spend also counts towards the same cap under the main card.
What Counts as Eligible Spend?
Only in-person overseas transactions qualify. This includes:
- Paying physically at restaurants and shops
- Terminal-based overseas card transactions
- Those under the following MCCs:
Overseas Dining:
MCC | Description |
5441 | Candy, Nut and Confectionary Stores |
5451 | Dairy Product Stores |
5462 | Bakeries |
5499 | Misc. Food Stores (Convenience Stores & Specialty Markets) |
5812 | Eating Places & Restaurants |
5813 | Drinking Places (Bars, Taverns, Nightclubs, Cocktail Lounges, Discotheques) |
5814 | Fast Food Restaurants |
5912 | Drug Stores and Pharmacies |
5921 | Package Stores- Beer, Wine and Liquor |
Overseas Shopping:
MCC | Description |
5309 | Duty Free Stores |
5310 | Discount Store |
5311 | Department Stores |
5331 | Variety Stores |
5399 | Miscellaneous General Merchandise |
5611 | Men’s & Boys’ Clothing and Accessory Stores |
5621 | Women’s Ready-to-Wear Stores |
5631 | Women’s Accessory and Specialty Stores |
5641 | Children’s and Infants’ Wear Stores |
5651 | Family Clothing Stores |
5655 | Sports and Riding Apparel Stores |
5661 | Shoe Stores |
5681 | Furriers & Fur Shops |
5691 | Men’s and Women’s Clothing Stores |
5697 | Tailors, Seamstresses, Mending, Alterations |
5698 | Wig & Toupee Shops |
5699 | Miscellaneous Apparel and Accessory Stores |
5732 | Electronics Stores |
5733 | Music Stores — Musical Instruments, Pianos, and Sheet Music |
5735 | Record Stores |
5941 | Sporting Goods Stores |
5942 | Book Stores |
5943 | Stationery, Office and School Supply Stores |
5944 | Jewelry, Watch, Clock, and Silverware Stores |
5945 | Hobby, Toy and Game Stores |
5946 | Camera and Photographic Supply Stores |
5947 | Gift, Card, Novelty, and Souvenir Stores |
5948 | Luggage and Leather Goods Stores |
5949 | Sewing, Needlework, Fabric, and Piece Good Stores |
5950 | Glassware and Crystal Stores |
5970 | Artist Supply and Craft Stores |
5971 | Art Dealers and Galleries |
5977 | Cosmetic Stores |
5993 | Cigar Stores & Stands |
5994 | News Dealers & Newsstands |
5999 | Miscellaneous & Specialty Retail Stores |
Not eligible:
- Online overseas spending
- QR code payments (Alipay, Kris+, etc.)
- App-based payments (Grab, food delivery apps)
- Any transaction routed through an online gateway—even if you’re overseas
FCY Fee to Consider
The UOB PRVI Miles card charges a 3.25% foreign currency fee. Depending on how much you value miles, this fee may affect the net benefit—but 5 miles per dollar is still one of the strongest earn rates you can get for physical overseas spend.
What Is The Cost Per Mile?
Regional FCY Spend (cap: S$4,000)
Miles earned:
4,000 × 5 miles per dollar = 20,000 miles
FX fees:
4,000 × 3.25% = S$130
Cost per mile:
130 ÷ 20,000 = S$0.0065 → 0.65¢/mile
Non-regional FCY (cap: S$3,080)
Miles earned:
3,080 × 5 miles per dollar = 15,400 miles
FX fees:
3,080 × 3.25% = S$100.10
Cost per mile:
100.10 ÷ 15,400 = S$0.0065 → 0.65¢/mile
If you spend exactly at the bonus cap (S$4,000 regional or S$3,080 non-regional) and redeem miles well, the effective cost works out to roughly S$0.0065 per mile (~0.65¢/mile). That makes it one of the more aggressive FCY-spend mile-machines — on paper. But this assumes the ideal case: in-person spend, relevant MCCs, no overshooting past the cap, and efficient redemption value.
Should You Use This Promo?
Use it if:
- You’re traveling before end-December
- Your trip includes dining and shopping
- You can hit at least S$1,500 in eligible spend MCCs and keep within the spending cap of promo
- You want to earn high-value miles quickly
Consider alternatives if:
- You prefer lower FCY fees
- Your spending is largely online (e.g., hotel websites, online shopping)
Frequently Asked Questions:
- When Will Miles Be Credited?
- Base miles: When the transaction posts
- Bonus miles: By 28 February 2026
Alternative Promotion:
From 3 November to 31 December 2025, DBS/POSB cardholders who register via the DBS PayLah! app can get S$100 cashback on in-person overseas spend on shopping and dining in FCY. This is limited to first 40,000 registered users. make sure to register on DBS PayLah! app. Check out the article to read more
Still Prefer The UOB PRVI Miles Card?
UOB PRVI Card
Earn 1.4 miles per dollar on local spend and up to 3 miles per dollar on foreign currency spend
4 Priority Pass visits per calendar year
Conclusion:
The UOB PRVI Miles 5 miles per dollar overseas promo is generous and straightforward, as long as you register via SMS, spend at least S$1,500 on in-person foreign-currency dining or shopping, stay within the bonus cap, and remember the 3.25% FCY fee. If you’re travelling before 31 December, it’s a simple, high-value way to boost your miles haul.
