UOB PRVI Miles vs. Citi PremierMiles Credit Card Comparison 2020

If you're deciding on a new travel credit card, you may be considering both UOB PRVI Miles American Express Card and Citi PremierMiles Card. After all, both options are highly competitive and have the potential to deliver some of the highest value-to-consumer returns on the market. However, these cards are best suited to very different kinds of consumers. To help you identify which is a better fit to your lifestyle, we've closely analysed each card's terms & conditions, providing a final breakdown of strengths, weaknesses and areas of differentiation.

  • 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 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.

A graph displaying how competitive travel credit cards compare to one another in terms of their rewards
Comparison of Competitive Travel Cards in Singapore by Estimated 2-Year Dollar Value

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.

A graph displaying how competitive travel credit cards compare to one another in terms of their rewards
Comparison of Competitive Travel Cards in Singapore by Estimated 2-Year Dollar Value

Overview: UOB PRVI Miles vs. Citi PremierMiles

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

CategoryFeatureUOB PRVI MilesCiti PremierMiles
  • Rewards Rate
Local Rate1.4 miles/S$11.2 miles/S$1
Overseas Rate2.4 miles/S$12.0 miles/S$1
Category Boost6.0 miles/S$1 (travel bookings)N/A
  • Travel Perks
Lounge AccessN/A2 visits/year
Travel InsuranceCoverage up to S$500kCoverage up to S$1M
Limo TransfersUp to 8 free transfers/yrN/A
Golfing PerksN/AN/A
  • Annual Fee
Annual FeeS$256.8, 1yr waiverS$192.6, 1yr waiver
Spend WaiverWaived w/ S$50k/yr spendN/A
Bonus Miles20k miles (w/ S$50k/yr spend)10k bonus miles
Additional details apply. See sections below or card websites for a further breakdown of information

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

FeatureUOB PRVI MilesCiti PremierMiles
Rewards Currency
  • UNI$ (UNI$1 = 2 Miles)
  • Citi Miles (1 Citi Mile = 1 Mile)
Local Rate1.4 miles/S$11.2 miles/S$1
Overseas Rate2.4 miles/S$12.0 miles/S$1
Category Boost6.0 miles/S$1, flights & hotelsN/A
Rewards Expiry2 yearsNever expire
Auto-ConversionKF Miles Auto-Conversion ProgrammeN/A
Conversion FeeS$25/transfer (waived w/ auto-conversion programme)S$25/transfer
Processing Time3 Weeks3 Weeks
Additional details apply. See card websites for a further breakdown of information

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

FeatureUOB PRVI MilesCiti PremierMiles
Lounge AccessN/A2 visits/yr via Priority Pass
Travel InsuranceAccidental Death & Disablement (Up to S$500k), Emergency Evacuation & RepatriationAccidental Death & Disablement (Up to S$1M), Medical Expenses, Emergency Evacuation & Repatriation, Travel Inconvenience
Limo TransfersUp to 8 free transfers/yrN/A
Golfing PrivilegesN/AN/A
Card PrivilegesUOB PRVI Travel Butler, Amex EssentialsCiti World Privileges
Additional details apply. See card websites for a further breakdown of information

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

FeatureUOB PRVI MilesCiti PremierMiles
Annual FeeS$256.8, 1yr waiverS$192.6, 1yr waiver
Spend-Based WaiverWaived w/ S$50k spendN/A
Bonus Miles20k miles (w/ S$50k spend)10k bonus miles
FX Fee3.25%3.25%
Minimum Age21 years old21 years old
Income Req
  • SG & PR: S$30,000
  • Foreigners: S$40,000
  • SG & PR: S$30,000
  • Foreigners: S$42,000
Additional details apply. See card websites for a further breakdown of information

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

  • Free lounge access & golf privileges, waivable fee
  • Promotions: S$200 cashback w/ promo code "NOVFLASH" (must make 1 transaction). Valid until November 26.
  • Or receive 38,000 miles by entering code "ALTAF" or "DBSALT" in your application and enjoy first-year card annual fee waiver
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)
  • Read Our Full Review
  • 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 locally, 2 miles overseas, 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)
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.

  • Stand-Out: Free lounge access & golf privileges, waivable fee
  • Promotions: S$200 cashback w/ promo code "NOVFLASH" (must make 1 transaction). Valid until November 26.
  • Or receive 38,000 miles by entering code "ALTAF" or "DBSALT" in your application and enjoy first-year card annual fee waiver
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)
  • Read Our Full Review
  • 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 locally, 2 miles overseas, 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)
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: 5,000 bonus miles w/ 1st charge to your card
  • Spend S$5k w/in 1st 3mo, receive 10k bonus miles + Bang & Olufsen Beoplay E8 2.0 (worth up to S$399)
  • S$150 Dairy Farm Group Vouchers with the payment of the annual fee (S$337.05) + 500 bonus KrisFlyer miles w/ 1st Grab booking
  • Read Our Full Review
  • Annual fee: S$337.05
  • 1.2 miles per S$1 local & overseas spend, 2 miles overseas 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
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: 5,000 bonus miles w/ 1st charge to your card
  • Spend S$5k w/in 1st 3mo, receive 10k bonus miles + Bang & Olufsen Beoplay E8 2.0 (worth up to S$399)
  • S$150 Dairy Farm Group Vouchers with the payment of the annual fee (S$337.05) + 500 bonus KrisFlyer miles w/ 1st Grab booking
  • Read Our Full Review
  • Annual fee: S$337.05
  • 1.2 miles per S$1 local & overseas spend, 2 miles overseas 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
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

  • Unltd lounge access, free travel insurance & bonus hotel nights
  • Promotions: Get a set of Apple AirPods Pro (worth $379) or $250 cash for all new Citibank cardmembers upon activating and spending within 60 days of card approval (valid until December 7)
  • S$30 cash via PayNow (existing customers)
  • Promo period: 1 - 30 November 2020
  • Read Our Full Review
  • Annual fee: S$535
  • 1.3 miles per S$1 local spend, 2 miles overseas
  • 25,000 annual renewal miles (worth S$250)
  • 15%-30% annual Citi relationship bonus
  • Unlimited lounge access, travel insurance, free hotel nights & more
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: Unltd lounge access, free travel insurance & bonus hotel nights
  • Promotions: Get a set of Apple AirPods Pro (worth $379) or $250 cash for all new Citibank cardmembers upon activating and spending within 60 days of card approval (valid until December 7)
  • S$30 cash via PayNow (existing customers)
  • Promo period: 1 - 30 November 2020
  • Read Our Full Review
  • Annual fee: S$535
  • 1.3 miles per S$1 local spend, 2 miles overseas
  • 25,000 annual renewal miles (worth S$250)
  • 15%-30% annual Citi relationship bonus
  • Unlimited lounge access, travel insurance, free hotel nights & more
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.

Travel Credit Card Comparison Tables

Credit CardLocalOverseasBoostExpiryTransfer Fee
DBS Altitude 1.2 mi/S$12.0 mi/S$13 mi/S$1 flights & hotelsN/AWaiver Option
Citi PM (Bonus Mi) 1.2 mi/S$12.0 mi/S$1N/AN/AS$25/transfer
Citi PM (No Fee)
Amex SIA KF 1.1 mi/S$12.0 mi/S$12 mi/S$1 with SIA brands, 3.1 mi/S$1 Grab3yrsN/A
KrisFlyer UOB 1.2 mi/S$11.2 mi/S$13 mi/S$1 dining, transport, online fashion & travel3yrsN/A
UOB PRVI Miles 1.4 mi/S$12.4 mi/S$16 mi/S$1 flight & hotels2yrsWaiver Option
Please note: DBS Altitude's category boost is limited to online bookings. Amex SIA KF Card's overseas rate applies only in June & December (1.1 mi/S$1 otherwise). KF UOB Card's boosted rates are unlocked w/ S$500 annual SIA spend. UOB PRVI Miles Amex Card's category boost is limited to select travel merchants
Credit CardLoungeTravel InsGolfTransportOther Perks
DBS Altitude 2 visits/yrCoverage up to S$1MDisc. green feesDisc. transfersVisa Concierge
Citi PM (Bonus Mi) 2 visits/yrCoverage up to S$1MN/AN/ACiti World Priv.
Citi PM (No Fee)
Amex SIA KF N/ACoverage up to S$350kN/AHertz Gold PlusAmex Selects
KrisFlyer UOB N/ACoverage up to S$500kN/AS$15 off GrabScoot Privileges
UOB PRVI Miles N/ACoverage up to S$500kN/A8 transfers/yrUOB Travel Butler
Please note: Travel insurance refers to free travel accident coverage for the principal cardholder; some cards offer additional kinds of insurance coverage (like medical benefits, emergency evacuation & repatriation, travel inconvenience)
Credit CardAnnual FeeSpend WaiverBonus MilesMin. Income
DBS Altitude S$192.6, waived 1yrWaived w/ S$25k annual spend10k mi/yr (in lieu of waiver)
  • SG & PR: S$30k
  • Foreigners: S$45k
Citi PM (Bonus Mi) S$192.6 fee, 10k annual bonus miles + Promo period: 1 - 30 November 2020
  • SG & PR: S$30k
  • Foreigners: S$42k
Citi PM (No Fee)
Amex SIA KF S$176.55, waived 1yrN/APromotions vary
  • SG & PR: S$30k
  • Foreigners: S$60k
KrisFlyer UOB S$192.6, waived 1yrN/A10k bonus mi/yr
  • SG & PR: S$30k
  • Foreigners: S$40k
UOB PRVI Miles S$256.8, waived 1yrWaived w/ S$50k annual spend20k mi/yr (w/ S$50k spend)
  • SG & PR: S$30k
  • Foreigners: S$40k
Waivers and bonus miles subject to change. See card websites for further details

Learn More About How to Find the Best Credit Card for You

Carrie Arndt

Carrie is a Senior Analyst at ValueChampion, helping consumers find the best credit cards and other financial products based on quantitative and qualitative analysis. She previously led consumer studies worldwide as a Senior Research Executive at MMR Research, and led development & operations and BellaVetro. She attended Duke University and Penn State University, graduating with a degree in Political Science and Government. Her work has been featured on a variety of major media such as Yahoo Finance, Asia One, Buro, Zuu Online and more.

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