Review: UOB PRVI Miles – High 1.4 mpd Unconditional Card With Great 4 mpd Companions, Plus Easy $100 for New and Existing UOB Cardholders

While banks like DBS, Citi, and OCBC offer modest 1.2 mpd unconditional mile cards, UOB is decidedly more generous at 1.4 mpd, besting all the other entry-level uncondtional mile cards except Bank of China’s Elite Miles.

Is it a worthy card for mile chasers? Let’s take a closer look.

Features & Details

TypeUnconditional Miles
Earn Rate1.4 mpd on local spend
2.4 mpd on overseas spend (3.25% fee)
Points DetailsPooling of points
Expire in 2 years
$25 conversion fee
ConditionsStandard set of exclusions
Paying at SMART$ don’t earn you miles
Gives miles in blocks of $5 spent
LimitsNo limit to miles earned

How much difference does 0.2 mpd make?

I have been putting spend on a 1.2 mpd card for the longest time, and it always irked me a little bit that there was a 1.4 mpd card I wasn’t making use of.

Mile cards isn’t as easy to switch between as cashback cards. After accruing points with one bank, you would want to continue doing so with that bank so that you would incur less conversion fees when the time comes to redeem your points for miles. Also, most cards only allow you to redeem in blocks of 10,000 miles, so having some spend with Bank A’s cards and some with cards of Bank B would lead to pocket of points that can’t be redeemed efficiently.

How much does an extra 0.2 mpd make?

Annual Spend1.2 mpdUOB PRVIDifference
$5,0006,000 miles7,000 miles1,000 miles
$10,00012,000 miles14,000 miles2,000 miles
$25,00030,000 miles35,000 miles5,000 miles
$50,00060,000 miles90,000 miles*30,000 miles

*At $50,000 spend in a year, UOB PRVI Miles Amex gives a bonus 20,000 miles.

If your annual spend is relatively low at $5,000, an extra 1,000 miles may not be all that compelling. Most 1.2 mpd cards – OCBC 90°N, Citi PremierMiles, DBS Altitude – have no expiry on their points while UOB PRVI does, and earning miles slowly on a card with expiry is a path that should be avoided.

The 0.2 mpd start to become noticeable at higher spends, and I think at $10,000 a year, you might want to switch over from a 1.2 mpd card because 2,000 miles is worth paying an extra $25 of conversion fees for.

Pesky $5 rounding issues and SMART$ merchants

Unfortunately, there is a catch of sorts for PRVI Miles’ extra 0.2 mpd, and that is the card technically gives you 7 miles per $5. That means that if your transaction is $9, you are only awarded 7 miles which is less than 0.8 mpd. Yikes. This problem is most significant when your spending amount is small, but PRVI Miles’ extra 0.2 mpd starts to make sense at larger transactions:

Amount1.2 mpd 1.4 mpd
$44.8 miles0 miles
$1922.8 miles21 miles
$4958.8 miles63 miles

Also, aside from the Amex version of PRVI Miles, the card earns SMART$ At some merchants, and this translates into cash rebate, instead of UNI$ which can be traded for miles. If you’re using this card for miles, that’s probably not something you want to do. It’s a rather annoying pain point of sorts for mile chasers: I once got 0.3% cashback instead of 1.2 mpd on my UOB KrisFlyer card a $150 purchase. Ugh.

6 mpd on Agoda and Expedia And 4.4 mpd on public transport

You’ll also get 6 mpd on travel expenses if you book via Agoda or Expedia. After the death of OCBC 90°N’s 8 mpd offer, this may be the next option for mile-hungry people to clock swathes of miles on their holiday spend.

Unfortunately, 8 mpd wasn’t attractive enough to me when I can get 6% (and sometimes 12%!) cashback + 4 mpd when I book via ShopBack and using DBS Woman’s World card, so 6 mpd is obviously even more unpalatable.

You also get 4.4 mpd on your bus or MRT rides until 30th June by adding the Mastercard or Visa version of the card into your smartphone and registerIng with UOB. Unfortunately, this doesn’t apply for the Amex version, but since the points are shared across UOB cards, there isn’t any issue with having multiple variants of this card if you want to maximise the benefits.

Great 4 mpd companion cards

What really sets UOB PRVI Miles apart from the rest – including the slightly higher 1.5 mpd Bank of China Elite Miles card – is that you can pair other good 4 mpd condtional UOB mile cards with it, and the points are in the same account so you don’t have to manage multiple pockets of bank points.

One such card would be the UOB Preferred Platinum card, which gives 4 mpd on contactless and online transactions. That’s almost any type of transaction getting a high 4 mpd, while your 1.4 mpd PRVI Miles takes care of everything else.

Ladies also get UOB Lady’s Solitaire card which is a versatile card that gives 4 mpd on two categories of their choice, and a really high limit of $3,000 every month.

The only other bank I can think of that pools points and have good 4 mpd cards to go with their 1.2 mpd ones would be DBS with their Woman’s World and Altitude cards, and even then it lacks an option to get 4 mpd on contactless transactions, which means you’d only get 1.2 mpd at a lot of physical retail outlets.


Get Miles

SMS PMAF‹space›last 4 alphanumeric of NRIC/passport registered with UOB to 77862 to register by 30 April 2024.Required
Spend min. S$1,000 spend per month for 2 consecutive months from card approval date AND with first year annual fee payment of S$261.60 (inclusive of 9% GST)45,200 miles
With min. spend of S$1,000 per month for 2 consecutive months.2,800 to 4,800 miles*
TotalUp to 50,000 miles
*Earn rate of 1.4 miles per dollar for local transactions and 2.4 miles per dollar for overseas spend

Terms and conditions:

  1. UOB PRVI Miles

Last day to apply: 30th June 2024

Get 1.4 mpd on local spend.


For people starting out on miles, UOB is a great starting point. PRVI Miles’ 1.4 mpd is one of the highest earn rates for unconditional cards – albeit with a slight annoyance with miles being awarded per $5 block – and can be coupled with a 4 mpd UOB card for fast accrual of points within the same pocket of miles.

The good:

  • One of the highest earn rate for an unconditional mile card
  • Shares points with UOB’s 4 mpd cards

The bad:

  • Lost miles if transactions are not in neat $5 blocks
  • Unlike some competitors, this doesn’t come with lounge access
  • Points expire in 2 years

The ugly:

  • Spending a large amount at a merchant only to discover it’s a SMART$ merchant

★ ★ ★ ★ ★ ★ ★ ★ ☆ ☆
8 Stars of Sethisfaction

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2 thoughts on “Review: UOB PRVI Miles – High 1.4 mpd Unconditional Card With Great 4 mpd Companions, Plus Easy $100 for New and Existing UOB Cardholders

  1. whats the diff between the uOB PRVI miles and the UOB PRVI Miles American Express Cardversion?

    1. For card features, the Amex version gives 20,000 bonus miles with $50,000 annual spend, and also airport transfers with a certain amount of spending requirement. It cannot be used as a SimplyGo card unlike its Mastercard and Visa counterparts.

      Merchant availability is also different. It’s quite common for places to accept Mastercard or Visa but not Amex, although I have seen at least one place that exclusively accepts Amex.

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