Looking for one of the best miles credit cards in Singapore?
The UOB PRIVI Miles card is a top contender for travellers who want to earn miles on everyday spending, enjoy airport lounge access, and exclusive partner promotions with Agoda and Expedia.
But with a high annual fee, foreign transaction (FX) fees, and limited travel insurance, you may wonder: Is it really worth it? In this 2025 guide, we break down all features, benefits, fees, promotions, and comparisons with cards like the KrisFlyer UOB Credit Card and multi-currency travel wallets like YouTrip.
💜 Stay Up To Date:
– 1 SGD to USD Guide 2025: Current Rates, Forecasts & Travel Tips
– Vancouver Travel Guide 2025: 20 Best Things to Do, Weather & Local Tips
– YouTrip vs Wise 2025: Which Multi-Currency Card Is Best for Singaporean Travellers?
⚡TL;DR: UOB PRIVI Miles at a Glance
| Feature | Details |
|---|---|
| Miles Earn Rate | 1.4 miles per S$1 on local spend; 2.4 miles per S$1 on overseas spend; 3 miles per S$1 for IDR, MYR, THB, VND |
| Bonus Spend | 8 miles per S$1 on Agoda; 6 miles per S$1 on Expedia |
| Priority Pass Lounge Access | 4 complimentary visits/year, guests charged 35 USD (~S$45) |
| Miles Conversion Rate | 5,000 UNI$ = 10,000 KrisFlyer miles; S$25 fee |
| Miles Expiry | 2 years |
| Annual Fee | S$261.60 (GST inclusive); First year waivable |
| FX Fee | 3.25% per overseas transaction |
| Minimum Spend | None to earn miles |
| Eligibility | S$30,000/year (Singaporeans/PRs); S$40,000/year (Foreigners) |
| Alternative | YouTrip — zero FX fees, competitive wholesale exchange rates, for frequent travellers |
📚 Table of Contents:
- What is the UOB PRVI Miles Card?
- Bonus Miles: Agoda & Expedia Promotions
- Fees & FX Charges
- Lounge & Priority Pass
- Complimentary Travel Insurance
- Miles Conversion Rate & Expiry
- UOB PRVI Miles vs KrisFlyer UOB Credit Card
- Eligibility & Requirements
- Pros & Cons
- Is the UOB PRVI Miles Card Worth It?
- Why YouTrip Might Be a Smarter Choice for Travellers
- Bottom Line
- FAQs
What is the UOB PRIVI Miles Card?
Image credits: UOB Singapore
The UOB PRVI Miles Card is a travel-focused rewards credit card that lets you earn UNI$ points on all spending, which can be converted into KrisFlyer miles, Asia Miles, or other frequent flyer programs.
Earn Rates:
- Local spend: 1.4 miles per S$1
- Overseas spend (others): 2.4 miles per S$1
- Overseas spend (IDR, MYR, THB, VND): 3 miles per S$1
✅ No minimum spend required for miles accumulation.
Bonus Miles: Agoda & Expedia Promotions
- Agoda bookings: 8 miles per S$1
- Expedia bookings: 6 miles per S$1
📖 Related guides: Best Singapore Credit Card For Overseas Spending (2025)
UOB PRIVI Miles Card Fees & FX Charges
| Type | Details |
|---|---|
| Annual Fee | S$261.60 (GST inclusive) |
| Fee Waiver | Possible with sufficient annual spend |
| FX Fee | 3.25% per foreign transaction |
💡 For Singaporean travellers who want to avoid paying extra for annual & FX fees, a multi-currency travel card like YouTrip is a practical alternative.
YouTrip offers zero hidden markups and competitive wholesale exchange rates, making it ideal for overseas spending..
📖 Related guides: UOB Mighty FX Review 2025: Rates, Fees & Benefits
UOB PRIVI Miles Card Lounge & Priority Pass
Visa cardholders enjoy 4 complimentary Priority Pass lounge visits per year. Any guests are charged 35 USD (~S$45) per entry.
📖 Related guides: DBS Multiplier Account Review (2025): Interest Rates, Salary Credit & Is It Still Worth It?
Complimentary Travel Insurance
UOB PRVI Miles Cardholders who charge air tickets to their card are eligible for complimentary travel insurance, but you must register at least five working days before departure.
| Coverage | Amount |
|---|---|
| Accidental Death | S$500,000 |
| Medical Benefits | S$50,000 |
| Travel Delay | S$200 |
Included coverage:
- S$500,000 for accidental death
- S$50,000 for emergency medical assistance, evacuation, and repatriation (including COVID-19)
- Limited coverage for travel delays
Not included: overseas medical expenses, lost/damaged baggage, lost personal belongings, trip cancellation, or personal liability.
💡 While the coverage is helpful, many travellers may still prefer a dedicated travel insurance policy for comprehensive protection.
📖 Related guide: Best Travel Insurance Singapore 2025: Top Plans Compared
UOB PRVI Miles Conversion Rate & Expiry
- Conversion rate: 5,000 UNI$ = 10,000 KrisFlyer miles
- Conversion fee: S$25 per redemption
- Miles expiry: 2 years from the date of earning
- Redemption Platforms: Conversions can be done via the UOB TMRW app or the UOB Rewards+ online portal.
📖 Related guide: UOB One Account Singapore Guide (2025): Interest Rates, Fees, Review
Comparing UOB Privi Miles vs KrisFlyer UOB Credit Card
| Feature | UOB PRVI Miles | KrisFlyer UOB Credit Card |
|---|---|---|
| Miles Currency | UNI$ → KrisFlyer/Asia Miles | Direct KrisFlyer miles |
| Miles Earn Rate (local) | 1.4 mpd | 1.2 mpd |
| Miles Earn Rate (overseas) | 2.4 mpd | 3 mpd (SIA Group only) |
| Lounge Access | 4 visits/year | None |
| FX Fee | 3.25% | 3.25% |
| Miles Expiry | 2 years | No expiry (KrisFlyer rules apply) |
⚖️ If you fly Singapore Airlines frequently, KrisFlyer UOB is a good choice. For flexibility, better everyday earn rates, and Agoda promotions, UOB PRVI Miles wins.
While both cards are strong for miles accumulation, YouTrip can reduce FX fees when spending abroad, giving Singaporean travellers extra savings that can boost their travel budget.
📖 Related guide: DBS Multi-Currency Account (MCA) Guide 2025: Features, Exchange Rates, Fees
UOB Privi Miles Card Eligibility Requirements
| Requirement | Details |
|---|---|
| Minimum Age | 21 years old |
| Minimum Income (Singaporeans) | S$30,000/year |
| Minimum Income (Foreigners) | S$40,000/year |
| Credit Standing | Good |
| Card Types Available | Visa, Mastercard, American Express |
📖 Related guide: DBS Altitude Card Guide 2025: Miles, Benefits, Lounge Access & Fees
Pros & Cons
✅ Pros
- High miles earn rate (up to 2.4 mpd overseas)
- Unlimited miles accumulation
- Agoda & Expedia travel perks
- Complimentary travel insurance (limited coverage)
- 4 complimentary lounge access
- Annual fee waiver available
❌ Cons
- High annual fee (S$261.60)
- 3.25% FX fee on overseas spend
- Miles conversion fee (S$25)
- Miles expire after 2 years
- Lounge access cannot be shared; guests pay 35 USD (~S$45)
📖 Related guide: OCBC Multi-Currency Account Guide: OCBC Global Savings Account (2025)
Verdict: Is the UOB Privi Miles Card Worth It?
The UOB Privi Miles Card is ideal for:
- Frequent travellers seeking airport perks and bonus miles promotions
- Singaporeans focused on airline miles rather than cashback
- High spenders who can meet the minimum spend requirements for fee waivers
💡 Alternative: For travellers who want lower costs, zero FX fees, and simpler travel spending, multi-currency cards like YouTrip are often the smarter choice.
📚 Read next: Check out our guide to the best multi-currency cards for the biggest savings here
Why YouTrip Might Be a Smarter Choice for Travellers
YouTrip offers:
- Live wholesale exchange rates — better than bank cards.
- Zero FX fees on 12 currencies.
- Seamless multi-currency management right from the app.
- Instant notifications for every spend.
- Easy overseas transfers — send money abroad at low costs without hidden fees.
For frequent Singaporean travellers, YouTrip can save more money and hassle than traditional miles credit cards with FX fees.
📖 Related guide: Instarem Amaze Card Singapore Guide 2025: Fees, Rewards & Is It Worth It?
Bottom Line:
The UOB PRVI Miles Card is a strong travel rewards card for frequent flyers, especially those who want miles on overseas and Agoda/Expedia spend.
However, for cost-conscious travellers or those who want a simpler, fee-free solution for overseas spending, YouTrip provides a modern, multi-currency alternative that eliminates FX fees, hidden markups, and annual fees — making it a practical choice for Singaporeans travelling abroad in 2025.
Not on YouTrip yet? Get a free YouTrip card + S$5 YouTrip credits with code <YTBLOG5>.
Then, head over to our YouTrip Perks page for exclusive offers and promotions — we promise you won’t regret it. Join our Telegram (@YouTripSG) and Community Group (@YouTripSquad) for travel tips, event invites, and more!
Bon voyage!
FAQs:
Q1. Can I use UOB PRVI Miles for Agoda bookings?
Yes, certain promotions allow you to earn bonus miles on Agoda.
Q2. What is the annual fee?
S$261.60, including GST, is waivable with sufficient spending.
Q3. What’s the FX fee?
3.25% per overseas transaction.
Q4. Does it include lounge access?
Yes, 4 complimentary Priority Pass visits per year.
Q5. How does it compare to the KrisFlyer UOB Credit Card?
PRVI Miles offers broader travel perks and Agoda/Expedia promotions; KrisFlyer UOB focuses on Singapore Airlines miles.
Q6. Who should get it?
Frequent travellers seeking flexible miles redemption, lounge access, and bonus deals.
Related Articles
Best Citi Miles Credit Cards in Singapore: PremierMiles, Prestige, Rewards (2025)
Best Miles Credit Card in Singapore For Overseas Spending (2025)
Best Multi-Currency Cards In Singapore (2025): A Full Comparison Guide
