Best UOB Credit Cards for Miles in Singapore (2026)

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How to earn miles (UNI$)?

UOB rewards cardholders with UNI$, a flexible rewards currency that can be converted into frequent flyer miles. The standard conversion rate is 1 UNI$ = 2 air miles, applicable to popular programmes like KrisFlyer and Asia Miles. UNI$ lets you accumulate rewards across everyday spending and travel-related transactions, then redeem them later for flight tickets, cabin upgrades, and more.

While most UNI$-earning cards follow similar mechanics, each UOB card has its own unique earn structure. Here's how to maximise your miles-earning potential across various spending channels and promotional opportunities.

>> MORE: SingSaver’s guide to frequent flyer programmes

Card spending

Your daily transactions are the main way to accumulate UNI$. With the UOB PRVI Miles Card, you’ll earn 1.4 miles per S$1 spent locally and 2.4 miles per S$1 on overseas transactions, whether in person or online in foreign currency. This applies across a wide range of merchants — from restaurants and supermarkets to flight bookings.

Some cards offer even more through bonus categories. For example, the UOB Lady’s Card lets you earn up to 10X UNI$ (equivalent to 4 miles per S$1) when you select preferred categories like dining, beauty, fashion, or travel. Likewise, the UOB KrisFlyer Credit Card gives you up to 3 miles per S$1 spent on Kris+ partners, SIA Group, dining, and even Grab (with monthly caps).

Let’s say you charge S$3,000 for a trip to Japan on your PRVI Miles Card (including flights and hotel bookings). You’d earn 7,200 miles (S$3,000 x 2.4), enough to cover a return flight to Bali.

Bonus miles promotions

UOB frequently rolls out seasonal or limited-time promotions where cardholders can earn bonus miles. These could come in the form of accelerated earn rates for specific categories, bonus miles for hitting a spend target within a time frame, or even flash KrisFlyer miles giveaways. It’s worth bookmarking UOB’s promo page or checking SingSaver’s credit card comparison tool for the latest offers.

SingSaver-exclusive promotions also apply from time to time — including extra cash rewards or air miles upon successful card approval via the platform.

Welcome bonus

New UOB cardholders can typically look forward to welcome bonuses ranging from 5,000 to 30,000 miles. These bonuses are usually awarded after meeting a minimum spend within the first one to three months of card activation.

For example, the UOB KrisFlyer Credit Card might offer 3,000 KrisFlyer miles upon first spend and another 10,000 bonus miles after hitting a S$1,000 spend within 30 days. The actual figures and conditions can vary, so be sure to read the latest promotional terms before applying.

These welcome bonuses are a great way to give your miles balance a head start — especially useful if you’re planning a big trip soon after receiving the card.

Travel and airline booking transactions

Booking with the right merchants can supercharge your miles. With the UOB KrisFlyer Credit Card, spending on Singapore Airlines, Scoot, KrisShop, and other SIA Group brands earns bonus miles — up to 3 mpd in total when combined with Grab and dining.

Meanwhile, the PRVI Miles Card offers up to 6 miles per S$1 when you book hotels or flights through selected online travel agencies (e.g. Agoda, Expedia, and UOB Travel). This makes it a strong contender for those who prefer to plan travel independently and want rewards to match.

Whether you’re flying premium or budget, spending with airline-affiliated merchants typically brings the highest returns.

Miles transfer programmes

UNI$ can be converted into miles with a variety of airline partners, including KrisFlyer, Asia Miles, and Qatar Privilege Club (Avios). The standard conversion rate is 5,000 UNI$ = 10,000 miles. Note that conversions are usually processed in blocks (e.g. 5,000 UNI$ minimum), and take about 1 to 3 working days to reflect in your airline account.

Each conversion incurs an administrative fee of around S$25, so it's best to consolidate your UNI$ and transfer in bulk rather than in smaller amounts.

Pay your bills

Certain bill payment facilities, such as UOB’s SmartPay or EasyPay instalment plans, may help you earn UNI$ on big-ticket transactions like hospital bills or insurance premiums. However, this depends on the specific plan and merchant.

>> MORE: Best bill and tax payment services that still earn you rewards and miles in Singapore

Be aware that some categories — particularly insurance, education, government payments, and utilities — are usually excluded from earning UNI$. Always review your card’s terms and conditions to confirm eligible spend.

While bill payments might not be the fastest way to rack up miles, they can help you meet spend thresholds for welcome bonuses or seasonal promotions.

How to best redeem UOB miles (UNI$)?

Redeeming your UNI$ for flights is where you’ll unlock the best value. While there are other options like shopping vouchers and cash rebates, these usually give you a significantly lower return. As a general rule, aim for redemptions that yield at least 2 cents per mile in value, which is most commonly achieved through flight bookings or upgrades.

Let’s explore the best redemption strategies for making the most of your hard-earned miles.

>> MORE: How to convert credit card points to miles

Flight redemptions

Flights consistently offer the highest value for your miles, especially when redeemed for premium cabin tickets. Depending on the route and timing, miles can be worth between 2 to 5 cents each — much more than what you’d get through cashback or vouchers.

For instance, 60,000 KrisFlyer miles could get you a return economy ticket to Tokyo, or a one-way business class ticket to Sydney. These redemptions typically far exceed the monetary value you’d receive from a S$100 voucher redemption (which often requires 25,000 UNI$).

If you’ve got a holiday coming up, using your miles for flights is a no-brainer.

Cabin upgrade

Already booked a flight? Use your miles to upgrade from economy to premium economy or business class. This is particularly useful for business travellers whose companies cover economy fares but allow personal upgrades.

Upgrading with miles offers a great value-to-mile ratio — especially on longer routes where a business class ticket could cost thousands. Always check the fare class eligibility for upgrades, as not all tickets qualify.

It’s a practical way to enjoy a more comfortable experience without paying full fare for a higher cabin.

Transferring miles to airline partners

UOB’s UNI$ can be transferred to major airline loyalty programmes such as Singapore Airlines KrisFlyer and Cathay Pacific’s Asia Miles. This flexibility lets you choose the best redemption rates, depending on where and how you fly.

Transfers typically take 1 to 3 business days, and a conversion fee of around S$25 applies per airline partner per request. You should also be aware of minimum block sizes (usually 5,000 UNI$).

To avoid issues, check the redemption chart of your target programme first and transfer only when you’re ready to book.

Avoid cash alternatives with "lower" value

Tempted to redeem your UNI$ for shopping vouchers, electronics, or bill rebates? It’s best to resist. These redemptions offer significantly lower value as low as 0.4 mpd, compared to up to 5 cents when redeemed for flights.

For example, redeeming 10,000 UNI$ might get you S$30 worth of vouchers, but could instead unlock a S$300 economy ticket if converted to miles. Unless you’re in urgent need of cash value, miles are better saved for travel.

In short, redeeming for flights gives you the most bang for your buck.

>> MORE: 7 common mistakes people make when redeeming miles

Bonus miles on partner alliances

Even if you’re not flying with Singapore Airlines directly, you can still redeem KrisFlyer miles through its Star Alliance partners — including Lufthansa, ANA, and EVA Air. This opens up many more route options, especially if you're planning trips outside of Asia.

You’ll often find better redemption availability or rates through partner airlines, so it pays to explore. Just remember to compare taxes and surcharges, which can vary widely.

Tip: Use the KrisFlyer online redemption search tool to explore alliance options.

Consider short-haul flights

Miles aren't just for long-haul travel. In fact, they’re often most accessible — and most useful — for quick getaways. Short-haul routes to destinations like Bali, Bangkok, or Kuala Lumpur require fewer miles and have greater availability.

A return flight to Bali in economy can cost as little as 14,000 KrisFlyer miles, making it a great option for spontaneous trips. It’s a solid strategy if you prefer using miles regularly rather than hoarding them for a one-time redemption.

For casual travellers, these smaller wins can feel just as rewarding.