The UOB PRVI Miles Card remains one of the strongest entry-level miles cards in Singapore, especially for travelers and anyone deeply invested in the UOB ecosystem. With high earn rates, strong travel perks, and unlimited miles earning potential, it’s a favourite among seasoned mile chasers.
Here’s an easy and comprehensive guide to help you understand what the PRVI Miles Card offers — and how each version (Visa, Mastercard, AMEX) differs.
Key Benefits:
Spend | Earn Rate |
Local Spend | 1.4 miles per dollar |
Overseas Spend (Promo) | Up to 5 miles per dollar on dining/shopping (until 31 December 2025) Register via SMS: PMX‹space›last 4 alphanumeric digits of your NRIC/Passport No. to 77862 |
Regional Currencies (IDR, MYR, THB, VND) – including online shopping and overseas websites | 3 miles per dollar (uncapped)2.4 miles per dollar |
General Foreign Currency Spend (other currencies) | 2.4 miles per dollar |
Travel Benefits: All Three Versions
Information | Notes | |
Priority Pass Lounge Access | – 4 complimentary airport lounge visits per calendar year – Access must be registered via the Priority Pass App | The 4 visits are per principal cardmember, not per card. (Holding Visa + AMEX does NOT give you 8 visits.) Sharing with guests is not allowed |
Complimentary Travel Insurance | – Up to S$500,000 Personal Accident – Up to S$50,000 emergency medical evacuation with COVID-19 coverage | |
Agoda & Expedia Bookings | Earn up to 8 miles per dollar when you spend on major airlines and hotels worldwide via special landing pages UOB x Agoda and UOB x Expedia |
PRVI Visa vs Mastercard vs AMEX — What’s the Difference?
Feature | PRVI Miles AMEX | PRVI Miles Visa / Mastercard |
Airport Limo Service | ✔ 2 free limo rides/quarter with S$1,000 overseas spend ✔ $45 rebate for each transfer, up to a maximum of S$90 per quarter. Must book with Maxicab: Call +65 6651 2253 at least 2 days before your departure to book your transfer then pay with your card | ✖ Not available |
Loyalty Miles | ✔ 20,000 bonus miles yearly with S$50k annual spend (skippable) | ✖ |
Hotel Perks | ✔ Free Tablet Plus Membership | ✖ |
Priority Pass Access | Via app only | Via app OR physical card |
Why UOB PRVI is a Good Addition To UOB Card Strategy:
The biggest hidden advantage is the POOLING of UNI$ across all UOB cards. “Points pooling” means that all the UNI$ you earn from your various eligible UOB credit cards are merged into one combined balance under your account, instead of each card keeping its own separate stash of points.
Pooling applies to:
- UOB PRVI Miles
- UOB Preferred Platinum Visa
- UOB Lady’s Card
- UOB Visa Signature
- UOB Payment Facility top-ups
Benefits of pooling:
- Easier to hit the 5,000 UNI$ blocks needed for miles conversion
- Only one S$25 transfer fee
- You can cancel PRVI without losing miles, as long as you keep any UNI$-earning card
All UNI$ eventually funnel into your PRVI main pool, making it your “miles vault.”
Limitations to Know:
While strong for travel, the PRVI Miles card is not ideal for daily small purchases.
1. UOB Rounding Policy = Lost Miles
- UOB rounds all spending down to the nearest S$5 block before calculating UNI$.
Example: S$9.99 → treated as S$5 → earns only 6 miles (0.6 mpd)
- This makes the effective earn rate lower for small/non-round transactions.
2. Points Expiry
- This card isn’t the best option for general day-to-day spending because the UNI$ you earn expire two years after the end of the quarter they’re credited, meaning casual spending can leave you with points that lapse before you use them. On top of that, the card awards UNI$ in $5 spending blocks, so smaller everyday purchases—or transactions that don’t neatly fit into these blocks—often earn fewer miles than expected, making it harder to maximise value on routine spending.
How Do I Use UOB PRVI?
I use the UOB PRVI Miles Visa only for CardUp and iPayMy to turn big bills—like insurance, rent, and income tax—into miles, since it’s the highest-earn-rate card with a waivable annual fee and the Visa version often has more promos than the Mastercard one. If you’re new to it, CardUp and iPayMy is a platform that lets you pay expenses that normally don’t accept credit cards by charging your card (so you earn miles) and then sending the payment out via bank transfer on your behalf. It’s a simple way to “buy” miles cheaply for business-class flights. For first-time users you can use my promo code to save on fees.
Sign Up for CardUp and iPayMy:
- New Users:
- CardUp: Use code NICHOLASN116 to get $30 off your first payment (sweet spot payment amount: $1,154). Alternatively, if you have large payments, use code “LOBANGSIS” to get discounted 1.79% fee on up to S$5K on your first payment with a Visa card.
- iPayMy: Sign up via this link to get $30 off (sweet spot payment amount: $1,250).
You may refer to the step-by-step guide to set up:
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:
UOB PRVI is a great card, but the version that suits you best depends on your spending habits and travel patterns. The Visa and Mastercard versions are the most practical for everyday use, thanks to their wide acceptance and strong overseas earn rates, making them ideal for frequent travellers who want simplicity and a card that “just works” everywhere. On the other hand, the AMEX version is tailored for higher spenders and frequent flyers who can fully utilise its premium perks—like complimentary airport limo transfers and the annual 20,000-mile milestone bonus with S$50,000 spend. If you value maximum perks and don’t mind optimising your spending, AMEX offers the greatest upside; but if you prefer broader acceptance, Visa or Mastercard will serve you better.
