UOB PRVI Miles card review: 1.4, 2.4 or 3 miles per $1, and how to tell which

The UOB PRVI Miles pays one of three rates: 1.4, 2.4 or 3 miles per $1. There are no categories, no minimum and no cap. The catch is that currency, country and even the payment gateway decide the rate, and one question at a hotel counter can change your miles by more than half.

Here's what it earns, when each rate applies, the rounding, the fees, and a worked year you can redo with your own spending.

The UOB PRVI Miles at a glance

Figures from the PRVI Miles terms (updated 23 October 2026, Ver 3.5) and the UOB product page, checked 1 Nov 2026. There's also an American Express version with the same rates and a few extras of its own, covered further down. Sign-up offers change often and are left out here.

How many miles does the PRVI earn?

The PRVI pays UNI$, UOB's points, and each UNI$ converts to 2 miles with an airline programme (clause 1(i)). Three rates, each quoted per $5:

• In Singapore: UNI$3.5 per $5, which is 7 miles per $5, or 1.4 miles per $1 (clause 1(vii)).
• Overseas: UNI$6 per $5, which is 12 miles per $5, or 2.4 miles per $1 (clause 1(ix)).
• Regional: UNI$7.5 per $5, which is 15 miles per $5, or 3 miles per $1 (clause 1(x)), on spending in Indonesian rupiah, Malaysian ringgit, Thai baht or Vietnamese dong.

A $100 dinner in Singapore: $100 ÷ $5 = 20, then 20 × 3.5 = 70 UNI$, which is 140 miles. The terms set no minimum spend and no cap on any of the three.

Bus and train rides tapped with the card (SimplyGo) earn the local 1.4 too, worked out on the accumulated fares rather than each ride (clause 1(viii)).

Bottom line: where the money is charged, and in what currency, decides the rate.

When baht earns 3 miles, and when it earns 1.4

The terms are precise about what counts as overseas and regional:

• Overseas (2.4) means charged in a foreign currency. A purchase made overseas but charged in Singapore dollars counts as local, and so does an online purchase in foreign currency with a merchant whose payment gateway is in Singapore (clause 1(ix)).
• Regional (3) means charged in IDR, MYR, THB or VND with a merchant whose payment gateway is in that same country (clause 1(x)). The same two exceptions apply: charged in SGD, or through a Singapore gateway, and it earns 1.4.

So for a 3-night hotel stay that comes to $450:

That's 1,350 − 630 = 720 miles between the first row and the others, for the same room. If the same stay were in yen, the first row would be 90 × 6 = 540 UNI$, or 1,080 miles.

Paying in baht comes with UOB's 3.25% foreign currency fee (clause 5): $450 × 3.25% = about $14.63. Paying in SGD at a counter overseas doesn't avoid fees: UOB charges a 1% international processing fee on SGD transactions processed outside Singapore on Visa and Mastercard, and the hotel picks the exchange rate. The miles cards post has the full side-by-side.

Bottom line: at the counter, the local currency earns the higher rate. Online, the gateway is harder to see, so a site charging you in baht isn't a guarantee of 3 miles per $1.

Why a $12 lunch earns 14 miles, not 16.8

Clause 1(iv): UNI$ are worked out on each transaction and rounded down to a whole UNI$. UOB's product page adds that UNI$ are given "for every S$5 spent on a per transaction basis". So each purchase counts in whole $5 blocks, and anything left below $5 earns nothing.

A $12 lunch is two whole $5 blocks, so 2 × 3.5 = UNI$7, which is 14 miles. At a straight 1.4 miles per $1 you'd expect 16.8. For local spend:

On purchases in multiples of $10, the headline 1.4 holds. Under $5, a purchase earns nothing at all, and an odd number of blocks loses half a UNI$ to the rounding.

Bottom line: if much of your spending is under $10, your real rate is lower than 1.4.

The annual fee, conversions and lounge visits

The principal card is $261.60 a year including GST, with the first year waived (product page). Unlike some miles cards, the Visa and Mastercard versions don't come with renewal miles or a spend-based waiver in their terms.

Turning UNI$ into miles costs a conversion fee each time (clause 1(i)), under UOB's Rewards Programme terms. I couldn't confirm the current fee on UOB's own pages on 1 Nov 2026, so I've left the figure out. UOB's rewards page has it. Fewer, larger conversions cost less.

The card comes with 4 complimentary Priority Pass lounge visits per calendar year for the principal cardmember (clause 3), renewed every 1 January. Guests and any extra visits are US$35 per person. From 23 November 2026, entry is with the digital membership card in the Priority Pass app only, not the physical card.

Bottom line: 4 visits is two return trips on your own, or one with a travel partner. If you use the physical card at the lounge desk, set up the app before your next trip.

The American Express version

The PRVI also comes as an American Express card, with the same 1.4, 2.4 and 3 rates. Its extras, from the terms: - 20,000 bonus miles for spending $50,000 in a membership year (clause 1(xi)). For cards approved from 1 August 2026 that's $80,000. For older cards, the higher figure applies from the first membership year starting on or after 1 October 2026. - An annual fee waiver at $50,000 of spending (clause 1(xii)). - From 1 July 2026, 5,000 bonus miles a quarter with at least $8,000 of overseas spending made in person, not online (clause 4). - SPC petrol isn't excluded on the Amex version, while Shell stays excluded on all three (clause 1(ii)(d)).

Bottom line: the Amex bonuses start at large amounts of spending. For most people, acceptance is the bigger difference.

What doesn't earn miles

Clause 1(ii) has a long list. As at 1 Nov 2026 it includes: utilities, insurance, rent, tax, school and university fees, hospitals, parking, gambling, charities, and government services (by merchant category code); bill payments and top-ups to payment providers or prepaid accounts, such as GrabPay or YouTrip; payments through AXS, SingPost SAM, EZ-Link and a list of named brokers and payment services; and Shell and SPC petrol stations on the Visa and Mastercard versions. Instalment plans, cash advances and fees earn nothing too.

Bottom line: a fair share of a household's big bills earn nothing here.

How it compares on miles per $1

Ranked by miles per $1 with no minimum spend, as at 24 Oct 2026, from Sum's reading of each bank's terms:

These are the "one rate on everything" cards. Specialised cards pay up to 4 miles per $1 in certain categories, usually up to about $1,000 a month. The miles cards post lays those out. Rates are only part of the comparison: fees, conversion costs, rounding and lounge visits differ by card.

A worked year

Say Joanne is 35, puts $1,500 a month on the card in Singapore dollars, mostly purchases of $20 and up, takes one $1,200 trip to Bangkok paid in baht at local merchants, and one $2,500 trip to Japan paid in yen. Made-up example.

What she pays for the card: from the second year, the $261.60 fee; foreign currency fees of $3,700 × 3.25% = $120.25; and UOB's conversion fee each time she converts. In the first year, with the fee waived, it's the $120.25 and the conversions.

If Joanne had paid for the Bangkok trip in SGD, it would have earned $1,200 × 1.4 = 1,680 miles instead of 3,600.

Bottom line: swap in your own monthly spend, your trips and how you pay on them. The calculator page does the same sums for a few typical months: UOB PRVI Miles on the card rewards calculator.

Three things to remember

1. 1.4 miles per $1 in Singapore, 2.4 overseas in foreign currency, 3 in rupiah, ringgit, baht and dong. No minimum, no cap.
2. SGD at the counter, or a Singapore payment gateway online, earns the local 1.4. The currency and the gateway both matter.
3. Each purchase rounds down to whole UNI$. Small purchases earn less than the headline rate.

Ethan's rating

6.5out of 10

Earn rate

• Very low
• Low
• Moderate
• High
• Very high

Effort to earn

• Effortless
• Easy
• Some effort
• Shiong
• Very shiong

Value for the fee

• Way overpriced
• Overpriced
• Fair
• Good value
• Great value

Against other miles cards

1.26 miles per $1 on averageMiles cards: average miles per $1 on the same $1,500 month of everyday spending, worked out by Sum's card calculator.

• Bottom
• Below average
• Average
• Above average
• Top

Where it earns

• DiningFair
• GroceriesFair
• TransportFair
• OnlineFair
• TravelFair
• OverseasGood
• Everything elseFair

One person's opinion, from the terms in this review. Your own spending decides what a card is worth to you.

Track it in Sum

Import your card statements. The card optimiser reads each purchase the way the terms do, rounding included. The statement shows the currency a purchase was charged in, so a hotel charged in SGD overseas stands out.

Ethan

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