1.4 mpd on everything, one of the highest general-spend rates here, and none of it capped
| Min income | Base earn | Overseas earn | Hotels via UOB portals |
|---|---|---|---|
| S$30,000S$40,000 for foreigners | 1.4 mpdlocal, uncapped | 2.4 mpdforeign currency, uncapped | Up to 8 mpdAgoda and Expedia, conditions apply |
| Monthly cap | Annual fee | Points expiry | Transfer blocks |
| Noneon any of the above | S$261.60first year waived | 2 yearsfrom the end of the earning quarter | 10,000 miles5,000 UNI$, S$27 a time |
Almost every conversation about Singapore miles cards is about 4 mpd, and almost every one of those cards quietly stops paying somewhere around a thousand dollars a month. PRVI Miles never enters that conversation, because it has no bonus category to argue about. It has a flat rate and no ceiling.
That rate is 1.4 mpd on everything, which is as high as general local spend gets outside a premium card, and 2.4 mpd on anything in a foreign currency. Neither is capped, which is the whole point.
And then there is the part nobody puts in the headline: book a hotel through UOB's own Agoda or Expedia portal and this card pays up to 8 mpd. That is the biggest number on the card by a distance, it comes with six separate conditions, and it is worth a section of its own further down.
Annual Fee
S$261.60, first year waived, and the renewal depends entirely on which version you took.
| Card | First year | Second year on |
|---|---|---|
| Visa and Mastercard | Waived | S$261.60 |
| American Express | Waived | Waivable on S$50,000 spend |
This is the bit people skip at application and regret at renewal. Same card, same name, three networks, and only one has a route out of the fee. If you are the kind of spender this card is built for, S$50,000 a year is probably happening anyway.
On the Visa and Mastercard versions there is no spend-based waiver, but there is a published one: UOB will take UNI$6,500 for it. UOB is also among the more reliable banks for a cash waiver on a card in regular use. (That is my own experience of calling before renewal, not a term UOB publishes, so ask rather than assume.) Worth doing, because a UOB fee can be settled out of your UNI$ balance rather than billed, which turns a S$261.60 charge into months of earning quietly disappearing.
The numbers, off UOB's own annual fee page: a full waiver on the World Mastercard and Visa costs UNI$6,500, a half waiver UNI$3,250, and UOB applies them without asking. Their wording is that sufficient unused UNI$ "will be automatically used to waive your annual fees".
UNI$6,500 is worth 13,000 miles against a fee of S$261.60. It happens automatically, without a phone call, and you find out from the statement afterwards. The American Express version has no UNI$ route at all: it is waived on S$50,000 of annual spend instead.
So check the Rewards+ tab before your renewal month and ask for a cash waiver first. The fee is the smaller number.
Welcome Bonus
UOB PRVI Miles
Welcome bonus
- S$95 Cash via PayNow
The same promotion runs flash tiers worth more, including Dyson Airstrait straightener at S$799 and Cash via PayNow at S$400, but those go to the first few applicants at a set time each day. Nearly everyone receives the reward above.
Offer ends 2026-08-31
Welcome bonus
- S$95 Cash via PayNow
The same promotion runs flash tiers worth more, including Dyson Airstrait straightener at S$799 and Cash via PayNow at S$400, but those go to the first few applicants at a set time each day. Nearly everyone receives the reward above.
Offer ends 2026-08-31
Welcome bonus
- S$95 Cash via PayNow
The same promotion runs flash tiers worth more, including Dyson Airstrait straightener at S$799 and Cash via PayNow at S$400, but those go to the first few applicants at a set time each day. Nearly everyone receives the reward above.
Offer ends 2026-08-31
Sign-up rewards change often, so confirm the current offer before you apply. New customers only, meaning no card from UOB in about the last 12 months.
Sign-up offers move monthly and almost always carry a "new to bank" condition, meaning no UOB card in the past 12 months.
How many miles do I earn?
1.4 miles per dollar locally, 2.4 on foreign currency, and up to 8 through UOB’s booking portals.
| Spend | Rate | Cap |
|---|---|---|
| Hotels via UOB’s Agoda or Expedia portal | Up to 8 mpd | Conditions apply, see below |
| Foreign currency and overseas | 2.4 mpd | Uncapped |
| Everything else, local | 1.4 mpd | Uncapped |
| Flights via the Expedia portal | 3 mpd | Lower than hotels, deliberately |
| Utilities, insurance, education | Nothing | Excluded |
1.4 mpd is a genuinely good floor. It beats the 1.2 most general cards default to, and because nothing is capped it is the same 1.4 on the tenth thousand dollars as on the first. (It is still nowhere near a category card on the spend that fits its categories, so treat it as a floor, not a strategy.)
The Agoda and Expedia Portals
UOB runs two booking portals for this card and they pay far more than the card's own rates. Hotels booked through either earn up to 8 mpd, against 2.4 on the same booking made anywhere else.
| How you book | Rate | Miles |
|---|---|---|
| Through UOB’s Agoda or Expedia portal | 8 mpd | 16,000 |
| Direct with the hotel, billed in foreign currency | 2.4 mpd | 4,800 |
| Direct, billed in Singapore dollars | 1.4 mpd | 2,800 |
Over 11,000 miles of difference on one booking, decided by which link you started from. Flights are the exception and are worth knowing about: through the Expedia portal they earn 3 mpd, not 8. The portal is a hotel play.
| The condition | Bonus? | What happens if you miss it |
|---|---|---|
| 🔗 Book from UOB’s portal link | ✕ No | The ordinary Agoda or Expedia site earns the card’s normal rate |
| 💳 Prepaid room rates only | ✕ No | Pay-at-hotel bookings earn no bonus at all |
| 📱 Enter your mobile number at payment | ✕ No | A skipped field is a forfeited bonus, and nothing warns you |
| 🏨 Actually complete the stay | ✕ No | Cancel and the bonus goes with it |
| ⏳ Wait up to 3 months after checkout | ✓ Yes | It credits after departure, not at booking, so do not panic |
The drawback nobody prints. Portal rates are often higher than the same room booked elsewhere. Eight miles a dollar on a dearer room can be worth less than 1.4 on a cheaper one, so check the cash price on the open web first and only then decide. A S$150 premium to earn 11,000 extra miles is a good trade; a S$400 premium is not.
Compare the portal rate against the same room booked normally. The miles are only worth having if the room is not marked up by more than they are worth.
Transfer Partners
UNI$ pool across every UOB card you hold, so a stranded balance here can be topped up from another UOB card and pushed over the floor. Transfers move in blocks of 5,000 UNI$, which is 10,000 miles, at S$27 a time.
| Programme | UNI$ for 10,000 miles |
|---|---|
 Singapore Airlines KrisFlyer | 5,000 |
 Cathay Asia Miles | 5,000 |
Three programmes is a thin list next to the eleven a Citi card reaches, and that is the real weakness: fewer ways out of a balance when the seat you want is on an airline UOB does not talk to.
Expiry is the other constraint, 2 years from the end of the earning quarter. Generous on paper, less so after a quiet stretch with a balance sitting under the 5,000 UNI$ block.
How to use it. This belongs in the travel wallet rather than the daily one. It comes out when a price is quoted in anything other than Singapore dollars, and it comes out first for any hotel booking, through the portal, every time. Locally, 4 mpd on a capped card beats 1.4 here.
Before any redemption, always check the route you want is actually available. The worst thing you can do is diversify into another mileage programme with no redemption in mind.
What should I pair it with?
Nothing on this card runs out mid-month, which is unusual enough to be worth showing. Here is a S$4,000 month of foreign-currency spend against a 4 mpd card that stops at S$1,000.
| Card | What it pays | Miles |
|---|---|---|
| UOB PRVI Miles | 2.4 mpd on all of it | 9,600 |
| A 4 mpd card capped at S$1,000 | 4 mpd to S$1,000, then base | 5,200 |
| Both, in that order | 4 mpd on the first S$1,000, then 2.4 on the rest | 11,200 |
That bottom row is the fallback case. PRVI is not competing with the 4 mpd card, it is competing with the base rate that card drops to at S$1,001. Fill the cap, then let this one take the rest.
It assumes you will switch cards mid-trip. If you would rather not think about it, PRVI alone still clears the capped card alone by 1,600 miles here, and that gap grows with every dollar.
The crossover against a capped card happens well before S$2,000 of foreign spend in a month, and past that the gap only widens. So the overflow problem this card has is the opposite of most: it does not need a second card for the big months, it needs one for the ordinary weeks.
Pick the card that covers this one’s gaps: everything you buy at home.
1.4 mpd is a floor rather than a plan. What this needs beside it is something paying properly on the categories you spend in eleven months of the year, when nothing is priced in dollars, euros or yen.
| The gap | What it costs you | What closes it |
|---|---|---|
| Online shopping | 1.4 mpd where others pay 4 | HSBC Revolution, Citi Rewards |
| Dining and transport | 1.4 mpd | HSBC Revolution |
| Groceries | 1.4 mpd | UOB Preferred Visa |
| A partner UOB does not reach | A stranded balance | Citi PremierMiles, which reaches about 11 |
Build your miles card stack
One card never covers everything. Put in what you actually spend and see which cards to hold together, and what to put on each.
Build my stack→The verdict, restated
A specialist that is genuinely the best in the country at two things: paying a high flat rate that never stops, and paying up to 8 mpd on hotels booked through UOB's own portals. If your overseas spend runs to thousands rather than hundreds, take the Amex version, clear S$50,000 a year for the waiver and the 20,000 bonus miles, and start every hotel booking from the portal link after checking the room is not marked up. If your travel is a long weekend once a year, a capped 4 mpd card will pay you more and cost you nothing.
Sources
UOB PRVI Miles product page and card T&Cs, checked 8 July 2026, plus UOB’s own PRVI Miles Agoda and Expedia portal pages checked 8 August 2026. Earn rates, the uncapped structure, UNI$ expiry and the transfer block are correct as of those dates. The portal bonus is stated by UOB as up to 8 miles per dollar and runs to 31 August 2027; it requires a prepaid rate, the booking to be made from UOB’s own portal link, your mobile number entered at payment, and the stay completed, and it credits within three months of checkout. Flights through the Expedia portal earn 3 mpd rather than 8. The annual fee and supplementary card fee are aggregator-sourced and were not confirmed on UOB’s official pricing page, so treat both as approximate. The observation that a renewal waiver is usually obtainable by asking is my own experience rather than a published UOB term. This guide shares my own experience for education, it is not financial advice, and card terms change: always verify with the bank before applying.