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UOB PRVI Miles American Express Card Review

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Benefit from rapid mile accrual, bonus loyalty miles and complimentary airport transfers with this card.

With the highest local and overseas earns rate, the UOB PRVI Miles American Express® Card is undoubtedly one of the best air miles cards on the market. Rack up 1.4 miles per S$1 spent locally, 2.4 miles overseas, and up to 6 miles on major airlines and hotels via selected online travel partners, without having to worry about any minimum spends or rewards cap.

S$0 annual fee for 1 year - S$256.80 thereafter

Annual Fee


Effective Interest Rate


Min Income - Singaporean and PR


Product NameUOB PRVI Miles American Express Card
RewardEarn 1.4 miles for every S$1 spent locally with no minimum spend or cap.
Effective Interest Rate26.9%
Interest Free PeriodUp to 21 days
Minimum Monthly Repayment3% of current balance or S$50, whichever is higher, plus any overdue amounts
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Benefits of using the UOB PRVI Miles American Express Card

UOB PRVI Miles American Express Card members can look forward to the following exclusive perks:

  • Airport transfers. Get up to two complimentary airport transfers to Changi Airport in a quarter, with a minimum charge of S$1,000 overseas spend within the same qualifying period. The cost of airport transfer will first be charged to member’s card account and credited as rebate at the end of the quarter. T&Cs apply.
  • 20,000 loyalty miles. Receive UNI$10,000 (equivalent to 20,000 miles) with a minimum spend of S$50,000 or more in a membership year based on a 12-month statement period.
  • Annual fee waiver. Benefit from an annual fee waiver in the first year. The S$256.80 annual fee for subsequent years will be automatically waived upon renewal if you’ve charged a minimum collective spend of S$50,000 on both principal and supplementary card(s) during the membership year.

The following are some other notable benefits of this card:

  • Up to 6 miles for every S$1 spent on selected travel partners. Earn up to 6 miles for every S$1 spent on major airlines and hotels booked through Expedia, Agoda and UOB Travel.
  • High miles per dollar earn rate on all other categories. Earn UNI$3.5 for every S$5 spent (equivalent to 1.4 miles for every dollar spent) locally and UNI$6 for every S$5 spent overseas (equivalent to 2.4 miles for every dollar spent) overseas.
  • Various reward redemption options. Depending on your preference, you may choose to redeem your air miles from over 40 partner airlines and convert them to cash to offset your spending or the cost of travel packages. Note that the UNI$ are only valid for two years after they were accrued (by quarterly period), so make sure to redeem them before they expire.
  • No minimum spend or earn cap. You’re entitled to UNI$ for every eligible transaction charged to the card, regardless of how much or how little you spend.
  • Complimentary supplementary card. You can also apply for up to two supplementary cards for free, but extra cards will cost S$128.40 p.a. each.
  • Petrol discounts. Save on your fuel cost with 20% off petrol at SPC and 13.6% off at Shell.

Features of the UOB PRVI Miles American Express Card

On top of its elevated mileage earn rate, UOB PRVI Miles American Express Card comes with other travel-focused features designed for jet setters:

  • UOB PRVI Travel Butler. A travel concierge service that can help with your travel arrangements, such as for accommodation, flights, insurance, travel packages and car rental bookings.
  • Travel insurance. Enjoy complimentary personal accident coverage and emergency medical assistance of up to S$500,000 when you charge the full airfare to your card. If you prefer to travel with complete ease of mind, you have the option to enhance your partial cover to full protection with a 60% discount on your single trip plan.
  • Eligible for KrisFlyer UOB Account’s bonus mile earn. Maximise your miles by earning an extra 5 miles per S$1 spend when you open a KrisFlyer UOB Deposit Account and maintain a S$1,000 monthly average balance. If you credit your salary (minimum S$2,000) monthly into the account, you can earn an extra 6 miles per S$1 spend. Note that the total bonus miles from this account are capped at 5% of your monthly average balance.
  • Sign-up offer. Receive S$150 in cash credits when you apply for a new credit card. First 200 new customers only. T&C apply. Ends 31 October 2020.

American Express or Mastercard or Visa?

The UOB PRVI Miles Card offers three choices of issuers that you can choose from when you apply: American Express, Mastercard and Visa. How should you decide which one is best for you?

Regardless of which card issuer you opt for, the UOB PRVI Miles Card offers the same standard benefits. However, each of them may come with their own additional perks and promotion from time to time.

UOB PRVI Miles American Express cardholders, on the other hand, can benefit from complimentary airport transfers, bonus loyalty miles and annual fee waiver with minimum annual spend.

Choosing between them may just be a matter of personal preference. But there are a few downsides to the AMEX cards to factor into your consideration. For example, some smaller overseas merchants may refuse to accept AMEX cards due to its significantly higher swipe fees that they’d have to pay for. AMEX exchange rates are usually higher than Mastercard’s and Visa’s as well.

Make sure to consider the advantages and drawbacks of each network before making your decision.

How to apply for the UOB PRVI Miles American Express Card

If you’ve compared your options and decide that the UOB PRVI Miles American Express Card is ideal for you, you can begin your application by clicking on the green “Go to site” button at the top of this page. Existing UOB account holders can apply directly through Internet banking, with instant approval for applications using MyInfo and submitted between 7am to 8pm. Principal credit card customers can also start an application by sending an SMS.

Before applying, make sure that you meet the eligibility criteria and have the required documents ready:

Eligibility criteria

  • Earn at least S$30,000 p.a. if you’re a Singaporean or permanent resident, or S$40,000 if you’re a foreigner
  • Fixed deposit collateral of at least S$10,000 if you don’t meet the income requirements
  • Have a good credit rating
  • Be at least 21 years of age or older

Required documents

Frequently asked questions

If your primary reward goal is to accumulate as many miles as possible and redeem them within two years, the UOB PRVI Miles American Express Card may be ideal for you due to its industry-beating mile per dollar earn rate. However, with other air miles cards offering complimentary extras (e.g. airport lounge access, 24-hour global concierge service, golfing privileges and free hotel stays), it’s worth weighing up this card against others so you can choose the one that fits your needs.

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