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

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

A relatively 'cheap' way of earning miles at a high rate while forgoing luxurious perks.

Good for

  • Affluent travellers who want to earn miles at a rapid rate
  • Mile junkies who care more about earning a free trip instead of other travel perks like complimentary lounge access

Bad for

  • Luxury travellers who are willing to pay more annual fees for more travel perks

Editor's Rating

4.5/5.0

We really like UOB PRVI Miles American Express Credit Card because it provides luxury mile awards without the luxury fee. It offers one of the highest flat-rate mile awards in the country at 1.4 miles for S$1 of local spend and 2.4 miles for S$1 of overseas spend, but it only charges S$256.8 of annual fee that is waived for the first year compared to other luxury cards charging S$500 or more. Its relative affordability does come at a price, however, with fewer perks compared to some of the more expensive cards. We think this card works quite nicely for people who want to earn high miles, and prefer a low annual fee over perks like free lounge access or hotel rewards. 

Pros of UOB PRVI Miles

  • One of the highest awards rates: 1.4 miles for S$1 spent locally, 2.4 miles for each S$1 spent overseas, 6 miles for each S$1 spent on travel
  • 20,000 loyalty miles every year with at least S$50,000 of spend on the card (exclusive to American Express version)
  • Low annual fee compared to other high mile cards (S$256.8, waived 1st year)
  • Promotion: 12,000 welcome miles for new customers who spend S$4,000 within first 60 days (5,000 miles for existing customers)

Cons of UOB PRVI Miles

  • Points expire in 2 years
  • No complimentary lounge access (you do get 30% discount on lounge fees)
  • Limited perks like complimentary nights at a limited hotel chains

What makes the UOB PRVI Miles American Express Credit Card stand out

First and foremost, UOB PRVI Miles Card is one of the top travel credit cards because it matches some of the highest mile awards rates in the country without the matching annual fee. You get 1.4 miles for every S$1 you spend locally, 2.4 miles for every S$1 you spend overseas and 6 miles for every S$1 spent on travel bookings. You’ll find only a handful of cards that can match or beat that in Singapore. Most cards, including UOB PRVI Miles, currently are offering promotions of up to 10 miles per S$1 spent on travel bookings, but we tend not to take that into consideration in card ratings because these promotions are expiring before the end of this year. To enjoy these top travel benefits, you only have to pay a S$256.8 annual fee (about half as much as you do for other cards providing similar award rates) which is waived for the first year.

Also, UOB PRVI Miles card has a pretty attractive bonus of 20,000 loyalty miles every year as long as you spend S$50,000 or more on this card. If you are someone who has money to spend, you cannot overlook the UOB PRVI Miles American Express Credit Card. Considering S$50,000 spent locally will already earn you 70,000 miles, you can earn a total of 90,000 miles (70,000 + 20,000 of bonus) worth round trip to Korea and a trip to Bali. While the bonus is a more expensive (about S$2 per mile) than those offered by more expensive cards (S$0.02 per mile), it’s still a nice bonus nonetheless if you have to spend the S$50,000 annually anyways.

There are a few downsides to UOB PRVI Miles card. First, its points expire every 2 years, which makes it quite difficult to save up a lot of points for a long-haul trip with your friends or family. However, if you travel frequently in the SE Asia region, you won’t need to wait 2 years to get that free trip to Bali or Bangkok with this kind of rich award system. Secondly, UOB PRVI Miles card doesn’t provide as many perks as other luxury cards. So if you care more about free lounge access and discounts on your yacht rentals, you may want to look at Standard Chartered Visa Infinite Card or Citi Prestige Card. 

UOB PRVI Miles American Express Card's Features and Benefits:

UOB PRVI Miles American Express Card
  • Annual Fee: S$256.8, waived 1st year
  • APR: 26%
  • Salary requirement: S$80,000 for locals & foreigners
  • 1.4 miles for S$1 local spend, 2.4 miles for S$1 overseas spend, 6 miles for every S$1 spent on Expedia.com for major airlines & hotels
  • A complimentary third or fourth night at Mandarin Oriental Hotel, a complimentary third night with every two nights booked at Pan Pacific Hotels & Resorts and Park Royal Hotels & Resorts
  • Free limousine rides to Changi Airport
  • Points expire in 2 years
  • S$20 administrative miles conversion fee, minimum conversion is 5,000 points for 10,000 KrisFlyer miles, 40 partner airlines
  • Complimentary travel personal accident insurance coverage up to S$1mil.
  • Access to American Express Selects
  • Bonus: 20,000 loyalty miles every year when you spend S$50,000 in a year (exclusive to American Express version)

How UOB PRVI Miles American Express Card Compares With Other Cards

We have done a compare and contrast analysis of UOB PRVI Miles card against other cards in the market. Read below to learn how they are different and which card would be most suitable for your circumstances.

A graph displaying how UOB PRVI Miles Amex Card compares to other credit cards in Singapore in terms of their rewards
UOB PRVI Miles Amex Card vs Other Cards by Dollar Value*

UOB PRVI Miles vs Citi Prestige MasterCard Credit Card

Citibank Prestige Mastercard Card

Citi Prestige MasterCard Credit Card is one of our favorite luxury travel cards. First of all, your choice should depend on who you bank with. If you bank with Citi, you might find it more beneficial to use Citi Prestige than UOB PRVI Miles. Otherwise, UOB PRVI Miles could earn similar amount of miles at half the cost. Citi Prestige has a slightly higher annual fee of S$535, making the card twice as expensive to use than UOB PRVI Miles. Meanwhile, UOB PRVI Miles card’s miles per dollar award is better than Citi Prestige’s 1.3 miles per S$1 of local spend and 2 miles per S$1 of overseas spend (unless you are a Citigold member).

So if S$535 of annual fee is too much for you, and if you don’t care too much about travel perks like free lounge access, we would definitely suggest UOB PRVI Miles over Citi Prestige. On the other hand, if S$535 is totally affordable for you, we would favor Citi Prestige due to its rich bonus of 25,000 miles every year when you pay your annual fee (S$0.02 per mile), compared to UOB PRVI Miles’s offer of 20,000 miles for S$50,000 of spend per year (about S$2 per mile), which is quite difficult to achieve. Citi Miles also never expire whereas UOB PRVI Miles expire every 2 years, which means you have to redeem your miles frequently and it’ll be difficult to win free long-haul trips. Plus, if you are a Citigold member, you get a 15% to 30% boost to your mile awards, so we would definitely recommend you to go with Citi Prestige. 

UOB PRVI Miles vs Standard Chartered Visa Infinite Credit Card

Standard Chartered Visa Infinite Card is quite similar to Citi Prestige MasterCard Credit Card, and for those of you who prefer lower annual fees to luxury perks, we recommend UOB PRVI Miles Card. Relative to UOB PRVI Miles Card, Standard Chartered Visa Infinite is almost 4 times more expensive over a 2-year period than UOB PRVI Miles card; its annual fee is S$588.5 and there’s no waiver. However, Standard Chartered Visa Infinite has its own unique perks. While its flat rate mile award is same as UOB PRVI Miles for local spend, Standard Chartered Visa Infinite offers 3 miles for overseas spend, even more generous than Citi Prestige.

Given this, we think Standard Chartered Visa Infinite Credit Card suits frequent business travelers. For example, miles used for short haul to long haul business class tickets are valued somewhere around S$0.03 to S$0.06. If you spend S$5,000-S$10,000 overseas per year, that’s S$450 to S$1,800 of value from air miles. Not only that, these miles never expire, so you can save up miles for a long-haul trip with your family or friends. If you are looking for a true luxury card with lots of perks like HHilton Gold status and free lounge access, Standard Chartered Visa Infinite Card may suit your needs better.

UOB PRVI Miles vs OCBC Voyage Card

While OCBC Voyage Card is not cheap to use, those who value the ability to redeem miles on a whim or tend to dine out very often may prefer to use OCBC Voyage than UOB PRVI Miles. If you have unpredictable schedules and want to enjoy sporadic trips abroad, OCBC Voyage may be the best card in the market. OCBC Voyage Card provides a much easier way of redeeming miles via its anytime, anywhere, and any flight redemption program. We think this is a key feature that is extremely valuable for young professionals who may not have visibility into their schedule weeks in advance because most mile award programs have specific flights blacked out and require you to book in weeks or months in advance. OCBC Voyage Card’s miles also never expire.

Lastly, OCBC Voyage Card definitely has a richer bonus that awards 150,000 miles for a payment of S$3,210 (2 cents per mile), as opposed to UOB PRVI Miles Card that requires you to spend S$50,000 a year (over S$4,000 a month) to earn bonus 20,000 miles (about S$2 per mile), a hefty budget for most people. If you travel very frequently in the region (short flights, low mile consumption) and would rather save on annual fee than enjoy luxurious but unnecessary perks, UOB PRVI Miles Card could be a better choice than OCBC Voyage Card. If you don’t mind the annual fee and care more about the ability to redeem miles whenever you want, OCBC Voyage Card could provide a better way to enjoy free flights.  

UOB PRVI vs Citi PremierMiles Credit Card

Citi PremierMiles Card is a very middle of the road travel card in Singapore. We think this card is quite suitable for an average consumer who can handle some annual fee (S$192.6, no waivers), who wants to earn some great miles (1.2 miles per S$1 locally, 2 miles per S$1 overseas, up to 10 miles for travel bookings online), and save money on petrol and (14% at Shell & Esso) and other purchases (10% rebate at over 700 merchant outlets like Starbucks and Cold Storage). Not many other mile cards come with the additional cashback awards, so if you care about saving money as well as earning miles, we highly recommend Citi PremierMiles Card. On the other hand, if you can afford the higher annual fee and care more about earning miles, UOB PRVI Miles card may suit you better.

UOB PRVI vs DBS Altitude Credit Card

DBS Altitude Credit Card is a very popular air mile card in Singapore. Compared to UOB PRVI Miles card, we think this card makes sense for people who care more about annual fee waivers and have a moderate spending power. While DBS Altitude charges S$192.6 of annual fee (waived 1st year), it will waive its annual fee if you spend S$25,000 a year (about S$2,000 a month). Given the lower fee, DBS Altitude tends to lag behind UOB PRVI Miles in terms of awards, providing inly 1.2 miles for S$1 of local spend, 2 miles for S$1 of overseas spend and 3 miles for S$1 spent on online travel booking. So if you are happy to sacrifice some award rates in order to save on the annual fee, DBS Altitude may make more sense for you than UOB PRVI Miles Card.

UOB PRVI vs HSBC Revolution

HSBC Revolution Card is one of the best no-fee travel rewards credit cards on the market in Singapore. We think this card could be a great fit for people of average means who would highly prioritize avoiding paying annual fees and whose spending habits match closely with those of the average consumer in Singapore. Why? Because in addition to its easily waivable annual fee (S$160.5 waived for 2 years and then waived in subsequent years with an annual spend of only S$12,500), the HSBC Revolution Card focuses on rewarding expenditures in the biggest spending areas for most consumers in Singapore, i.e. dining, entertainment and online shopping, at a rate of 2 miles per S$1 spent. If you do tend to spend highly in these categories, the HSBC Revolution could actually give you more bang for your buck than another budget card like the DBS Altitude Card that offers a flat reward rate.

Of course, in exchange for its high affordability, you do sacrifice perks, maximum mile potential, and some versatility with this card. So if you don't mind its annual fee, we would still recommend UOB PRVI. But if you're looking to avoid those high annual fees while still earning some great air miles, HSBC Revolution could be a great card for you.

*ValuePenguin calculates the dollar value of rewards based on S$2,000 of monthly spending. We sum the value of points, miles and cashback in dollar terms and subtract the annual fee over a 24-month period. The estimates here are ValuePenguin's alone, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. ^For Standard Chartered Visa Infinite and OCBC Voyage, S$4,000 of monthly spend is assumed.

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