UOB PRVI Miles vs. Citi PremierMiles Credit Card Comparison 2024

Table of Contents: UOB PRVI Miles vs. Citi PremierMiles

• Summary: UOB PRVI Miles vs. Citi PremierMiles
• Comparison of Rewards Rates

• Local, overseas & category boosted rewards rates
• Miles expiration details
• Auto-conversion programmes, transfer fees & processing times

Comparison of Travel Perks

• Lounge access & travel insurance
• Limo transfers, golfing privileges & more
• Card privileges programmes

Comparison of Card Fees & Requirements

• Annual fees, spend-based waivers & bonus miles
• Foreign transaction fees
• Minimum age & minimum income requirements

• Comparison to Similar Travel Cards
• Additional Resources

Comparison of Competitive Travel Cards in Singapore by Dollar Value

Based on an average monthly spend of S$2,000, we analysed some of the most competitive travel cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

Comparison of Competitive Travel Cards in Singapore by Estimated 2-Year Dollar Value

Overview	Rewards Rates	Travel Perks
Fees & Reqs	Similar Cards	Add'l Resources

• Overview: UOB PRVI Miles v. Citi PM
• Comparison of Rewards Rates
• Comparison of Travel Perks

• Comparison of Fees & Reqs
• Comparison to Similar Cards
• Additional Resources

Table of Contents

• Summary: UOB PRVI Miles vs. Citi PM
• Comparison of Rewards Rates
• Comparison of Travel Perks
• Comparison of Card Fees & Requirements
• Comparison to Similar Travel Cards
• Additional Resources

Comparison of Competitive Travel Cards in Singapore by Dollar Value

Based on an average monthly spend of S$2,000, we analysed some of the most competitive travel cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

Comparison of Competitive Travel Cards in Singapore by Estimated 2-Year Dollar Value

Overview: UOB PRVI Miles vs. Citi PremierMiles

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While UOB PRVI Miles American Express Card and Citi PremierMiles Card are amongst the strongest travel cards on the market, they're very different in terms of features and strengths and are best suited to two very different types of consumers. UOB PRVI Miles American Express Card offers expedited rewards rates for high spenders who prioritise rapid miles accrual over luxury perks. Citi PremierMiles Card, on the other hand, provides everyday consumers with competitive rates and affordable luxury travel.

Summary Table: UOB PRVI Miles Amex vs. Citi PremierMiles

We've taken a deep dive into each of the categories above to find out exactly how UOB PRVI Miles Amex and Citi PremierMiles Card diverge. Please read our detailed analyses below for a breakdown of this information.

Rewards Rates: UOB PRVI Miles vs. Citi PremierMiles

While UOB PRVI Miles Amex Card focuses on expediting miles accrual, Citi PremierMiles Card offers a balance between rewards and perks that might be better suited to the average consumer. For example, UOB PRVI Miles offers significantly higher rates on both local and overseas boost, with a major category boost for spend with hotels and major airlines. This boost is particularly valuable as cardholders can earn with any number of merchants, rather than just with one select booking site (common with Citi PM's promotional offerings). While Citi PM Card's rates are lower, they are still roughly aligned with the market standard.

Comparison Table: Miles Rewards & Redemption

UOB PRVI Miles Card's rewards structure is also a much better fit for people who want to maximise their rewards without excess complication. In fact, cardholders can enrol in a KrisFlyer Miles Auto-Conversion Programme that automatically converts earnings (technically in the form of UNI$) into air miles, without additional effort. This programme allows consumers to avoid paying transfer fees, though there's a S$50 annual participation fee. Citi PremierMiles cardholders, on the other hand, must pay S$25 for every transfer. It's important to mention that UOB PRVI Miles Card is better suited to frequent travellers; its rewards are valid for just 2 years after they're earned, while rewards earned with Citi PM Card never expire.

Travel Perks: UOB PRVI Miles vs. Citi PremierMiles

As mentioned, while UOB PRVI Miles expedites miles accrual, Citi PremierMiles Card provides more of a balance by offering attractive travel perks. In fact, Citi PM cardholders enjoy 2 free lounge visits per year via Priority Pass. These visits can be applied to separate cardholder visits, or for a cardholder and one concurrent guest. Subsequent visits cost US$32 per person. UOB PRVI Miles Card does not offer consumers lounge access, even at a discount.

Comparison Table: Travel Perks & Privileges

Citi PremierMiles Card also provides consumers with a far more comprehensive free travel insurance plan, with coverage for travel inconveniences like lost or delayed baggage, cancelled flights, interrupted trips and more. UOB PRVI Miles Amex Card does provide free airport transfers–up to 2 per quarter (maximum of 8 per year)–but cardholders must spend at least S$1,000 overseas each quarter to unlock this perk. Citi PremierMiles cardholders do not need to fulfill spend-based requirements to access luxury or convenience.

Fees & Requirements: UOB PRVI Miles vs. Citi PremierMiles

UOB PRVI Miles Amex Card stands out most in terms of its fee structure and bonus miles–not just compared to Citi PremierMiles, but across the market as a whole. Higher spenders with budgets of at least S$50,000/year are completely exempt from the card's S$256.8 fee, and even receive 20,000 bonus miles (worth S$200+) for reaching this spend level. For reference, this translates to about S$4,1667/month spend on average, which may not be reasonable for the average consumer. In fact, people who are unlikely to meet this requirement may be better off with a more affordable option, like Citi PM Card.

Comparison Table: Requirements & Fees

In fact, Citi PremierMiles Card provides consumers with 10,000 bonus miles regardless of how much they spend within a year. Even better, the S$192.6 fee is notably lower than UOB PRVI Miles Amex Card's. Ultimately, Citi PM Card may be a better match for average spenders due to its balance and affordability. UOB PRVI Miles Amex Card is a far better option for higher spenders who prioritise rapid miles accrual.

Comparison to Similar Travel Credit Cards

UOB PRVI Miles Amex Card and Citi PremierMiles Card are notable contenders within Singapore's travel credit card market. There are, however, several similar options that are worth considering when selecting a credit card. We've reviewed and compared a few such cards below to help you make a more informed decision.

DBS Altitude Visa: No-Fee Miles with Luxury Perks

Apply Now Apply Now	Earn Up to 10 miles per S$1 spend, miles earned through this card will never expire. Promotions: Read Our Full Review
Fees, Rewards & Perks Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend Alternative: 10,000 bonus miles w/ payment of annual fee 1.2 miles per S$1 local spend, 2 miles per S$1 overseas spend, 3 miles for online travel bookings Miles earned never expire Free travel insurance, 2x lounge visits, golfing & dining privileges DBS My Preferred Payment Plan (0% interest instalments) Analyst's Review DBS Altitude Visa Card is one of the best options available for average consumers looking for an affordable miles card with both competitive rates and luxury perks. Cardholders earn 1.2 miles per S$1 local spend and 2 miles overseas–just as with Citi PremierMiles Card–with a category boost to 3 miles for online travel bookings. DBS Altitude Card also offers 2 free lounge visits per year, but stands apart from both Citi PremierMiles and UOB PRVI Miles Card by offering complimentary room upgrades at hotels and discounted green fees at fairways across Asia Pacific. DBS Altitude Visa is also very affordable for the average consumer. The moderate S$192.6 fee is waived the first year. Even better, those who spend at least S$25,000/year (about S$2,083/month) are exempt from paying the fee altogether. Those who cannot meet this minimum receive 10,000 bonus miles (worth about S$100) instead. Overall, consumers who want a no-fee travel card with a broader variety of perks may be better off with DBS Altitude than with the other options compared above.

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Stand-Out: Earn Up to 10 miles per S$1 spend, miles earned through this card will never expire. Promotions: Read Our Full Review
Fees, Rewards & Perks Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend Alternative: 10,000 bonus miles w/ payment of annual fee 1.2 miles per S$1 local spend, 2 miles per S$1 overseas spend, 3 miles for online travel bookings Miles earned never expire Free travel insurance, 2x lounge visits, golfing & dining privileges DBS My Preferred Payment Plan (0% interest instalments)
Analyst's Review DBS Altitude Visa Card is one of the best options available for average consumers looking for an affordable miles card with both competitive rates and luxury perks. Cardholders earn 1.2 miles per S$1 local spend and 2 miles overseas–just as with Citi PremierMiles Card–with a category boost to 3 miles for online travel bookings. DBS Altitude Card also offers 2 free lounge visits per year, but stands apart from both Citi PremierMiles and UOB PRVI Miles Card by offering complimentary room upgrades at hotels and discounted green fees at fairways across Asia Pacific. DBS Altitude Visa is also very affordable for the average consumer. The moderate S$192.6 fee is waived the first year. Even better, those who spend at least S$25,000/year (about S$2,083/month) are exempt from paying the fee altogether. Those who cannot meet this minimum receive 10,000 bonus miles (worth about S$100) instead. Overall, consumers who want a no-fee travel card with a broader variety of perks may be better off with DBS Altitude than with the other options compared above.

American Express Singapore Airlines Krisflyer Ascend Card: Exclusive Memberships for Affluent SIA Loyalists

	Access to Hilton Honors Silver & Krisflyer Elite Gold status Promotions: Read Our Full Review
Fees, Rewards & Perks Annual fee: S$337.05 1.2 miles per S$1 local & overseas spend, 2 miles per S$1 overseas spend in June & December only 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online 3.2 miles per S$1 spend on Grab transactions (up to 640 mi/mo) 4 free lounge visits/year, free annual hotel night, travel insurance Access to Hilton Honors Silver & Krisflyer Elite Gold status Analyst's Review Travellers who frequently fly with SIA and prioritise access to luxury perks should definitely consider American Express Singapore Airlines KrisFlyer Ascend Card. First off all, cardholders can earn up to 21,500 bonus KF miles within their first 3 months, with as little as S$10,000 spend. Beyond this bonus, consumers earn 1.2 miles per S$1 general spend, boosted to 2 miles on SIA and overseas in June & December and 3.2 miles on Grab rides (up to 640 miles/month). While UOB PRVI Miles Amex Card offers higher rewards rates, Amex SIA KF Ascend Card offers better perks. Cardholders enjoy 4 free lounge visits per year, a free annual hotel night, complimentary travel insurance, and potential upgrades to KrisFlyer Elite Gold, Hilton Honors Silver, and Hertz Gold Plus Rewards memberships. These benefits far exceed those offered by the alternatives featured on this page. However, there is a S$337.05 fee, without a waiver option. Overall, affluent SIA loyalists who place a premium on exclusive perks and statuses may prefer American Express Singapore Airlines KrisFlyer Ascend Card.

Stand-Out: Access to Hilton Honors Silver & Krisflyer Elite Gold status Promotions: Read Our Full Review
Fees, Rewards & Perks Annual fee: S$337.05 1.2 miles per S$1 local & overseas spend, 2 miles per S$1 overseas spend in June & December only 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online 3.2 miles per S$1 spend on Grab transactions (up to 640 mi/mo) 4 free lounge visits/year, free annual hotel night, travel insurance Access to Hilton Honors Silver & Krisflyer Elite Gold status
Analyst's Review Travellers who frequently fly with SIA and prioritise access to luxury perks should definitely consider American Express Singapore Airlines KrisFlyer Ascend Card. First off all, cardholders can earn up to 21,500 bonus KF miles within their first 3 months, with as little as S$10,000 spend. Beyond this bonus, consumers earn 1.2 miles per S$1 general spend, boosted to 2 miles on SIA and overseas in June & December and 3.2 miles on Grab rides (up to 640 miles/month). While UOB PRVI Miles Amex Card offers higher rewards rates, Amex SIA KF Ascend Card offers better perks. Cardholders enjoy 4 free lounge visits per year, a free annual hotel night, complimentary travel insurance, and potential upgrades to KrisFlyer Elite Gold, Hilton Honors Silver, and Hertz Gold Plus Rewards memberships. These benefits far exceed those offered by the alternatives featured on this page. However, there is a S$337.05 fee, without a waiver option. Overall, wealthier SIA loyalists who place a premium on exclusive perks and statuses may prefer American Express Singapore Airlines KrisFlyer Ascend Card.

Citi Prestige MasterCard: Luxury Perks for Wealthy Travellers

	Unlimited lounge access, free travel insurance & bonus hotel nights Promotions: Read Our Full Review
Fees, Rewards & Perks Annual fee: S$535 1.3 miles per S$1 local spend, 2 miles per S$1 overseas spend 25,000 annual renewal miles (worth S$250) 15%-30% annual Citi relationship bonus Unlimited lounge access, travel insurance, free hotel nights & more Analyst's Review Citi Prestige MasterCard is an ideal option for very affluent travellers who place a premium on luxury. Cardholders enjoy a myriad of exclusive privileges including unlimited lounge access, bonus hotel nights, free airport transfers, access to JetQuay, discounted green fees at fairways across Asia Pacific & much more. Other perks include 25,000 annual renewal miles (worth S$250+) and an annual bonus of up to 30% based on relationship tenure with Citibank. These benefits do come at a bit of a trade-off with miles rates, however. Cardholders earn 1.3 miles per S$1 locally and 2 miles overseas–meaningfully lower than the rates offered by UOB PRVI Miles Amex Card. Citi Prestige comes with a much higher price tag, however, at S$535 (with no waiver whatsoever). While this fee is incredibly high, it's at least partially validated by the card's luxury perks. As a result, affluent travellers willing to pay for top-notch perks are most likely to benefit from Citi Prestige Card.

Stand-Out: Unlimited lounge access, free travel insurance & bonus hotel nights Promotions: Read Our Full Review
Fees, Rewards & Perks Annual fee: S$535 1.3 miles per S$1 local spend, 2 miles per S$1 overseas spend 25,000 annual renewal miles (worth S$250) 15%-30% annual Citi relationship bonus Unlimited lounge access, travel insurance, free hotel nights & more
Analyst's Review Citi Prestige MasterCard is an ideal option for very affluent travellers who place a premium on luxury. Cardholders enjoy a myriad of exclusive privileges including unlimited lounge access, bonus hotel nights, free airport transfers, access to JetQuay, discounted green fees at fairways across Asia Pacific & much more. Other perks include 25,000 annual renewal miles (worth S$250+) and an annual bonus of up to 30% based on relationship tenure with Citibank. These benefits do come at a bit of a trade-off with miles rates, however. Cardholders earn 1.3 miles per S$1 locally and 2 miles overseas–meaningfully lower than the rates offered by UOB PRVI Miles Amex Card. Citi Prestige comes with a much higher price tag, however, at S$535 (with no waiver whatsoever). While this fee is incredibly high, it's at least partially validated by the card's luxury perks. As a result, affluent travellers willing to pay for top-notch perks are most likely to benefit from Citi Prestige Card.

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