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UOB PRVI Miles Visa Credit Card Review

Pros:

  • 1.4 air miles per $1 local spend and 2.4 air miles per $1 overseas spend.
  • 3 air miles per $1 spend on Klook.
  • Complimentary personal accident and travel inconvenience insurance coverage of up to $500,000.
  • S$150 cash credit for new credit card holders who charge a minimum of S$1,500 within first 30 days. Promotion valid till 31 Oct 2019

Cons:

  • No complimentary airport lounge access
  • Annual fee of $256.80 (First year waived)
  • UNI$ earned expires after two years
Summary
Local Spend: 1.4 air miles per $1 spend
Overseas Spend: 2.4 air miles per $1 spend
Income Requirement: $30,000 (Singaporeans/PR), $40,000 (Foreigners)
Minimum Age: 21
Annual Fee (Waiver): $256.80 (First year waived)
Sign-up promotion: $50 cash when you sign up through SingSaver and have your card approved

Table of Content

Why you should choose UOB PRVI Miles Visa credit card

Are you looking for a high miles per dollar earn rate?
Despite the higher annual fee of $256.80 (first year waiver), which cardholders can avoid paying by spending at least $50,000 (combined principal and supplementary cards spending) on or before the card anniversary date, UOB PRVI Miles Visa is one of the best miles credit cards due to its generous 1.4 air miles per dollar (local) and 2.4 air miles per dollar (overseas) earn rates. UOB PRVI Miles Visa credit card even offers up to 7 air miles per dollar spend on major airlines and hotels via online travel aggregators like Expedia and Agoda (Terms and Conditions apply).
Do you use online travel booking sites often?
Through its partnership with the major online travel booking sites, UOB PRVI Miles Visa credit cardholders earn up to 6 air miles per $1 spend on travel bookings on Agoda and Expedia. Even its sister company UOB Travel Planners Pte Ltd offer 6 air miles per $1 spend on travel bookings.
Does your travel credit card offer free insurance?
Despite the absence of complimentary airport lounge access, car rental program membership or golf green fee discounts, UOB PRVI Miles Visa credit card provides complimentary travel accident insurance worth up to $500,000, and emergency medical assistance, evacuation and repatriation coverage worth $50,000.
How do you want to redeem your air miles?
While most travel credit cards offer limited air miles redemption options, UOB PRVI Miles Visa credit card offers you the freedom to choose how you want your air miles to be redeemed. You can redeem your air miles from over 40 partner airlines, convert it to cash to offset your spend, redeem reward voucher or travel packages. How you want to redeem your air miles is up to you.

Using the UOB PRVI Miles Visa credit card in your favour

UOB PRVI Miles Visa credit card is ideal for the frequent traveler who wants to rack up miles quickly and not necessarily only with Singapore Airlines’ KrisFlyer program. With an industry leading 1.4 miles per dollar local spend and 2.4 miles per dollar overseas spend, UOB PRVI Miles Visa credit card even offers 7 air miles per $1 spend on major airlines and hotels via selected online travel partners, and 3 airmiles per $1 spend on Klook. UOB PRVI Miles credit card can also make your travel smooth and seamless through complimentary airport transfers (only for UOB PRVI Miles American Express cardholders) and a dedicated hotline for comprehensive travel assistance (e.g. hotel, flight, insurance and car rental booking). However, a major drawback is that the UNI$ Rewards points earned (through which you can redeem your air miles) expire after two years.

Who can apply

Age Eligibility At least 21 years of age
Income Eligibility Singaporeans/PRs: $30,000 of annual income
Foreigners: $40,000 of annual income

Charges or fees you should be aware of

Annual Fees $256.80 (First year waived)
Late Payment Charge $90
Interest on Purchases 25.9% per annum calculated daily from the date each transaction is posted to your card account until full payment is received.
Interest on Cash Advance 28.0% per annum will be charged upon the withdrawal date until the withdrawal amount and the relevant fees are paid in full.

How to apply

Click on the “Apply Now” button and complete the application form on SingSaver site.

Here is what you will need during the application process:

  • Front and back of NRIC/Passport/Employment Pass
  • For salaried employees,
    • Past 12 months CPF statement (if Singaporean/PR); OR
    • Latest Income Tax Notice of Assessment and latest original computerised payslip
  • For self-employed,
    • Latest Income Tax Notice of Assessment and latest original computerised payslip

Similar cards to consider:


Looking to compare it with another air miles card?

No air miles expiry date card: Citi PremierMiles Visa
No annual fee card: Maybank Horizon Visa Signature
Entry-level card for bonus miles: AMEX KrisFlyer Blue

Looking for other credit cards? Check out the Best Credit Cards in Singapore 2019.