UOB PRVI Miles American Express Credit Card: Luxury Miles Without Luxury Fee

UOB PRVI Miles American Express Card
UOB PRVI Miles American Express Card

UOB PRVI Miles American Express Credit Card: Luxury Miles Without Luxury Fee

Maximum Miles for Above-Average Spenders

Good for

  • Above-average spenders seeking to rapidly accrue miles
  • Frequent travellers who spend in foreign currency both online and abroad
  • People who prefer a low annual fee, even at the expense of travel perks

Bad for

  • Consumers who mostly stay in Singapore and spend locally
  • Affluent travellers who prioritise luxury perks and privileges
  • Fee-wary individuals who spend less than S$50,000 per year

Editor's Rating

4.5/5.0

For above-average spenders, UOB PRVI Miles American Express Card provides one of the fastest ways to accrue miles while avoiding a high annual fee. Cardholders earn a competitive 1.4 miles per S$1 local spend, 2.4 miles overseas, and up to 6 miles with select airlines and hotels. While perks are minimal–mainly travel insurance and airport transfers–affluent travellers who spend at least S$4,200/month are exempt from the S$256.8 annual fee and receive 20,000 annual renewal miles (worth S$200). In comparison, similar travel cards with added perks charge fees up to S$600+ per year.

ProsCons
  • 1.4 miles per S$1 local spend, 2.4 miles overseas spend
  • Up to 6 miles per S$1 spend at major airlines & hotels
  • Complimentary travel insurance & airport transfers
  • Annual fee waived with S$50,000 annual spend
  • 20,000 annual renewal miles with S$50,000 spend
  • Promotion: Up to S$120 rebate with min. S$1,000 spend within 1st month
  • Bonus: Up to 10 miles per S$1 spend with Kaligo
  • Bonus: 4.8 miles per S$1 spend on overseas dining, shopping & accommodation (ends 31 Dec 2018)
  • Moderate S$256.8 annual fee, when not waived
  • Few travel perks
  • Miles (earned as UNI$) expire after 2 years
  • There is a S$25 fee for each UNI$ to Miles conversion

What Makes UOB PRVI Miles Amex Card Stand Out

UOB PRVI Miles American Express offers above-average spenders a way to maximise miles earning, earn bonus miles, and even receive an annual fee-waiver—as long as they don't mind forgoing luxury travel perks. Cardholders receive some of the best rates on the market at 1.4 miles per S$1 spend locally, 2.4 miles overseas, and up to 6 miles with major airlines and hotels. The card also has frequent promotions with travel sites like Kaligo, offering up to 10 miles per S$1 spend.

Eligible Airline and Hotel Partners for 6 Miles per S$1 Spend Rewards

PartnerAirlinesHotels
ExpediaChina Eastern Airlines, China Southern Airlines, Finnair, Garuda Indonesia, Hawaiian Air, Korean Air, Qatar Airways, Shenzhen Airlines, Sichuan Airlines, Thai Airways International, Turkish Airlines, Xiamen Airlines & moreOver 321,000 hotels worldwide
UOB TravelAir France, American Airlines, British Airways, All Nippon Airways, Asiana Airlines, Cathay Pacific, Emirates, Japan Airlines, Etihad, Jet Airways, Qantas, SWISS International Airlines & moreOver 450,000 hotels worldwide
Agoda-Over 1.3 million vacation rentals & hotels worldwide

UOB PRVI Miles Card is especially beneficial to above-average spenders. Frequent travellers who spend at least S$4,200/month might easily expect to earn 9,000 to 10,000 miles per month (S$90-S$100 value-to-consumer). At this spend rate, which comes to about S$50,000/year, cardholders not only receive 20,000 annual renewal bonus miles (S$200 value), they are also exempt from the S$256.8 annual fee. Travel cards that match UOB PRVI Miles Card's rewards rates charge high, non-waivable annual fees up to S$600+.

There is a reason why UOB PRVI Miles Card can match the market's highest rewards rates without charging a high annual fee–unlike luxury miles cards, UOB PRVI Miles Card lacks travel perks and privileges. While cardholders receive complimentary travel insurance and up to 8 free airport transfers to Changi Airport per year, they do not receive benefits like airport lounge access, golf green fee discounts, or hotel and car rental program memberships.

Ultimately, there is a trade-off between luxury perks and lower annual costs for consumers looking to rapidly accumulate miles. UOB PRVI Miles Card favors above-average spenders who travel frequently and would rather minimise card costs than receive travel privileges. For value-driven travellers, UOB PRVI Miles Card is one of the best and most cost-effective cards on the market.

How Does UOB PRVI Miles Amex Card Rewards Program Work?

Use our quick and easy-to-read guide below to learn how you you can redeem UOB PRVI Miles Amex Card rewards.

  • Miles are earned in the form of UNI$. 1 UNI$ equals 2 miles
  • Block conversions of 5,000 UNI$ for 10,000 KrisFlyer Miles
  • A conversion fee of S$25 applies for each conversion
  • All UNI$ earned are credited to the Principal Cardmember account
  • UNI$ balance are reflected in the monthly credit card statement
  • UNI$ expire 2 years from the date in which they are earned

UOB PRVI Miles Amex Card Rewards Exclusions

Some credit card expenditures are ineligible for cash back or rebate. We identify these exclusions in the table below.

Exclusion CategoryDescription
Bank FeesBalance/funds transfers, cash advances, fees, interests, finance charges, late payment charges, annual fee charges, reversals, other financial charges and any other transactions the Bank may exclude from time to time
Transfers & Bill PaymentsMonthly instalments under 0% Instalment Payment Plan; payment of funds to prepaid accounts including top-ups for any prepaid card; payments to EZ Link, FlashPay, NETS FlashPay, MB, Moneybookers. Com, Oanda Asia PAC, Paypal, Plus500, Saxo Cap Mkts Pts Ltd, SKR*SKRILL.com, Transit, TransitLink, IG Markets, and others; payments to and transactions at AXS
Institutional PaymentsAny payments made to government institutions and services (for example, court costs, fines, bail and bond payments, tax payment, postal services, intra-government purchases and any other government services not classified here); any payment made to charitable/religious organizations
Betting or GamblingAny payment made on gambling or trading platforms (including but not limited to websites for trading of shares, foreign currency and cryptocurrency)

UOB PRVI Miles Amex Card's Features and Benefits:

UOB PRVI Miles American Express Card
UOB PRVI Miles American Express Card
Details & Benefits
Annual Fee
  • S$256.8, Waived for 1 year
  • Subsequent Years Waived With Annual Spend of S$50,000
Annual Income RequirementS$30,000 for locals, S$40,000 for foreigners
Card Details
  • 1.4 miles per S$1 local spend, 2.4 miles overseas spend
  • Up to 6 miles per S$1 spend at major airlines & hotels through Expedia, Agoda, and UOB Travel
  • Complimentary travel insurance
  • Up to 8 free airport transfers to Changi Airport per year
  • UOB PRVI Travel Butler for travel
  • American Express Essentials curated discounts
  • Annual fee of S$256.8 waived with S$50,000 annual spend
  • 20,000 annual renewal miles with S$50,000 spend
  • Promotion: Up to S$120 rebate with min. S$1,000 spend within 1st month
  • Bonus: Up to 10 miles per S$1 spend with Kaligo
  • Bonus: 4.8 miles per S$1 spend on overseas dining, shopping & accommodation (ends 31 Dec 2018)

How does UOB PRVI Miles Amex Card Compare Against Other Cards?

Read our comparisons of UOB PRVI Miles Amex Card with other cards and learn what makes each card unique in their own way. We compare and contrast each card to highlight its uniqueness to help you identify the card that you need.

UOB PRVI Miles American Express Card provides a much higher than market average value-to-consumer after two years based on an monthly spend of S$6,000

UOB PRVI Miles Amex Card v. Citi PremierMiles Visa Card

Consider this if you are looking for a standard miles rewards credit card

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000

Citi PremierMiles Visa Card is a great alternative suited for average spenders looking to maximise mile rewards while still enjoying simple travel perks. While Citi PMV Card's local rate of 1.2 miles per S$1 spend is almost 17% lower than UOB PRVI Miles Card's (1.4 miles), both have comparable rates for overseas spend and for travel booking sites. Citi PMV Card, however, offers 2 lounge visits annually, access to Citi World Privileges, and its miles never expire.

While Citi PMV Card has a non-waivable S$192.6 annual fee, it's better for average consumers with spend below S$50,000/year who wouldn't qualify for UOB PRVI Miles Card's bonus miles or fee-waiver. Average spenders looking for rewards might also value access to 10% discounts with select merchants via Citi Rebate.

UOB PRVI Miles Amex Card v. DBS Altitude Visa Card

Consider this if you are looking for a good miles credit card with an easily waived annual fee

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000

DBS Altitude Visa Card is an excellent card for average spenders who would like to avoid an annual fee without giving up travel perks. The card offers lower rewards rates than UOB PRVI Miles Card (1.2 miles per S$1 local spend, 2 miles overseas, 3 miles on travel booking sites), but makes up for it with promotional rates like 10 miles per S$1 spend at Kaligo.

DBS Altitude Visa Card also exempts cardholders from its S$192.6 fee after just S$25,000 annual spend–half that required for UOB PRVI Miles Card's waiver–and is therefore far more accessible to average spenders. Even with its easy fee waiver, DBS Altitude Visa Card still provides extra privileges like 2 free annual lounge visits and SE Asia golfing privileges.

UOB PRVI Miles Amex Card v. HSBC Revolution Card

Consider this if you spend mostly on shopping, dining and entertainment

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000

HSBC Revolution Card is a great miles card for sporadic or irregular travellers who'd like to make the most of their local spend while avoiding an annual fee. Consumers earn 2 miles per S$1 spend on local dining and entertainment as well as for online spend (including shopping, travel booking, and select bills). This rate is higher than market standard, but offline overseas spend earns only 0.4 miles per S$1, far lower than standard. HSBC Revolution Card also does not provide notable travel perks.

However, HSBC Revolution is very accessible with an annual fee of S$150 that's waived with every S$12,500 spend. Average and lower spenders who want to earn miles regardless of their travel schedule and prefer to avoid fees might consider HSBC Revolution Card over UOB PRVI Miles Card.

UOB PRVI Miles Amex Card v. Citi Prestige MasterCard

Consider this if you want special travel perks like free hotel nights and unlimited lounge access

Annual Income Requirement S$120,000
Foreigner Income Requirement S$120,000

Citi Prestige MasterCard is one of the few travel cards that nearly matches UOB PRVI Miles Card's high rewards rates, but this card is better suited for affluent travellers who are willing to pay a high fee (S$535, unwaivable) for luxury perks. Cardholders receive unlimited airport lounge access, free limo transfers, golfing privileges, free hotel night extensions, and access to MasterCard World Elite discounts, amongst other things.

Citi Prestige MasterCard also provides value by awarding 25,000 bonus miles annually, plus a 15% (30% for Citigold customers) bonus based on tenure of relationship. Miles never expire, unlike for UOB PRVI Miles Card. Ultimately, affluent consumers seeking rapid mile accrual who are willing to pay for luxury perks are better off with Citi Prestige MasterCard, while those prioritising lower costs might consider UOB PRVI Miles Card.

UOB PRVI Miles Amex Card v. Standard Chartered Visa Infinite Card

Consider this if you travel frequently for business

Annual Income Requirement S$150,000
Foreigner Income Requirement S$150,000

Standard Chartered Visa Infinite Card is great for high-earners who spend a significant amount of time overseas and don't mind paying a high fee for luxury privileges. The card's local rewards rate matches UOB PRVI Miles Card's (1.4 miles per S$1 spend) and its overseas rate (3 miles per S$1) leads the market. While cardholders must pay a non-waivable S$588.5 annual fee, they also receive perks like airport lounge access and golfing privileges.

SC Visa Infinite Card stands out, however, for its transport benefits. Cardholders receive complimentary car rentals and upgrades through Hertz Asia privileges, plus up to 15% cashback monthly on Grab rides. High spenders who spend considerable time abroad and rely on rentals and private hires to get around can easily maximise miles rewards with SC Visa Infinite Card. Individuals who are more likely to take frequent short trips and who'd rather earn miles than enjoy perks might consider UOB PRVI Miles Card instead.

UOB PRVI Miles Amex Card v. OCBC Voyage Card

Consider this if you have a high annual income and eat out frequently

Annual Income Requirement S$120,000
Foreigner Income Requirement S$120,000

OCBC Voyage Card is a great option for high-earners who travel and desire perks, but who also dine out and would like to maximise their local earning. Cardholders earn a fairly standard 1.2 miles for S$1 local spend and 2.3 miles overseas. OCBC Voyage Card stands out however for offering 1.6 miles per S$1 spend on local dining. Membership is exclusive–S$120,000 required salary, S$488 non-waivable fee–but cardholders receive unlimited airport lounge access, free limo transfers, discounts through Visa Infinite discounts, and earn 15,000 renewal miles per year (S$150 value).

OCBC Voyage Card is less accessible to consumers than UOB PRVI Miles Card, which has a minimum salary requirement of just S$30,000, but it offers more perks and has a differentiated local rate that boosts earnings for local foodies.

Comments and Questions

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