{"id":80795,"date":"2026-05-26T11:58:29","date_gmt":"2026-05-26T03:58:29","guid":{"rendered":"https:\/\/www.you.co\/sg\/?p=80795"},"modified":"2026-05-26T11:58:29","modified_gmt":"2026-05-26T03:58:29","slug":"uob-prvi-miles-card","status":"publish","type":"post","link":"https:\/\/www.you.co\/sg\/blog\/uob-prvi-miles-card\/","title":{"rendered":"UOB PRVI Miles Card Review (2026): Miles, Fees &amp; Benefits"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><strong><strong><strong><strong><strong>Looking for one of the best miles credit cards in Singapore?<\/strong><\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The <strong>UOB PRVI Miles card<\/strong> 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.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But with a high annual fee, foreign transaction (FX) fees, and limited travel insurance, you may wonder: <strong>Is it really worth it?<\/strong> In this 2026 guide, we break down all features, benefits, fees, promotions, and comparisons with cards like the <a href=\"https:\/\/www.you.co\/sg\/blog\/krisflyer-uob-credit-card\/\" id=\"83878\">KrisFlyer UOB Credit Card<\/a> and multi-currency travel wallets like <a href=\"https:\/\/www.you.co\/sg\/blog\/everything-you-need-to-know-about-youtrip\/\" id=\"889\">YouTrip<\/a>.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ud83d\udc9c&nbsp;Stay Up To Date:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2013 <a href=\"https:\/\/www.you.co\/sg\/blog\/1-sgd-to-usd\/\">1 SGD to USD Guide: Current Rates, Forecasts &amp; Travel Tips<\/a><br>\u2013\u00a0<a href=\"https:\/\/www.you.co\/sg\/blog\/vancouver-travel-guide\/\">Vancouver Travel Guide: 20 Best Things to Do, Weather &amp; Local Tips<\/a><br>\u2013\u00a0<a href=\"https:\/\/www.you.co\/sg\/blog\/youtrip-vs-wise-card-singapore-comparison\/\">YouTrip vs Wise: Which Multi-Currency Card Is Best for Singaporean Travellers?<\/a><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"tldr\" class=\"wp-block-heading\"><strong><strong><strong>\u26a1TL;DR: UOB PRVI Miles at a Glance<\/strong><\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Feature<\/th><th class=\"has-text-align-left\" data-align=\"left\">Details<\/th><\/tr><\/thead><tbody><tr><td><strong>Miles Earn Rate<\/strong><\/td><td>1.4 miles per S$1 on local spend; 2.4 miles per S$1 on overseas spend; 3 miles per S$1 for spend in IDR, MYR, THB, VND<\/td><\/tr><tr><td><strong>Bonus Spend<\/strong><\/td><td>Up to 8 miles per S$1 on Agoda or Expedia hotels (Agoda Perk runs through 31 May 2026; Expedia Perk through 31 March 2027)<\/td><\/tr><tr><td><strong>Priority Pass Lounge Access<\/strong><\/td><td>4 complimentary visits\/year, guests charged 35 USD (~S$45)<\/td><\/tr><tr><td><strong>Miles Conversion Rate<\/strong><\/td><td>5,000 UNI$ = 10,000 KrisFlyer miles; S$27 fee<\/td><\/tr><tr><td><strong>Miles Expiry<\/strong><\/td><td>2 years<\/td><\/tr><tr><td><strong>Annual Fee<\/strong><\/td><td>S$261.60 (GST inclusive); first year waived<\/td><\/tr><tr><td><strong>FX Fee<\/strong><\/td><td>3.25% per overseas transaction<\/td><\/tr><tr><td><strong>Minimum Spend<\/strong><\/td><td>None to earn miles<\/td><\/tr><tr><td><strong>Eligibility<\/strong><\/td><td>S$30,000\/year (Singaporeans\/PRs); S$40,000\/year (Foreigners)<\/td><\/tr><tr><td><strong>Overseas Alternative<\/strong><\/td><td>YouTrip \u2014 zero FX fees, wholesale exchange rates, for frequent travellers<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udcda <strong>Table of Contents:<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"#what-is-the-uob-prvi-miles-card\"><strong>What is the UOB PRVI Miles Card?<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#bonus-miles-agoda-expedia-promotions\"><strong>Bonus Miles: Agoda &amp; Expedia Promotions<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#uob-prvi-miles-fees-fx-charges\"><strong>Fees &amp; FX Charges<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#uob-prvi-miles-lounge-priority-pass\"><strong>Lounge &amp; Priority Pass<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#complimentary-travel-insurance\"><strong>Complimentary Travel Insurance<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#uob-prvi-miles-conversion-rate-expiry\"><strong>Miles Conversion Rate &amp; Expiry<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#comparing-uob-prvi-miles-vs-krisflyer-uob-credit-card\"><strong>UOB PRVI Miles vs KrisFlyer UOB Credit Card<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#uob-prvi-miles-eligibility-requirements\"><strong>Eligibility &amp; Requirements<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#pros-cons\"><strong>Pros &amp; Cons<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#is-the-uob-prvi-miles-card-worth-it\"><strong>Is the UOB PRVI Miles Card Worth It?<\/strong><\/a><\/li>\n\n\n\n<li><strong><strong><strong><strong><a href=\"#why-youtrip\">Why YouTrip Might Be a Smarter Choice for Travellers<\/a><\/strong><\/strong><\/strong><\/strong><\/li>\n\n\n\n<li><a href=\"#faq\"><strong>FAQs<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#bottom-line\"><strong>Bottom Line<\/strong><\/a><\/li>\n<\/ol>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"what-is-the-uob-prvi-miles-card\" class=\"wp-block-heading\"><strong><strong><strong><strong><strong><strong>What is the UOB PRVI Miles Card?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"720\" height=\"480\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/10\/image-165.png\" alt=\"UOB PRIVI Miles Card\" class=\"wp-image-80803\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/10\/image-165.png 720w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/10\/image-165-300x200.png 300w\" sizes=\"(max-width: 720px) 100vw, 720px\" \/><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><em>Image credits: UOB Singapore<\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">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 or Asia Miles.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Earn Rates:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Local spend: 1.4 miles per S$1<\/li>\n\n\n\n<li>Overseas spend (others): 2.4 miles per S$1<\/li>\n\n\n\n<li>Overseas spend (IDR, MYR, THB, VND): 3 miles per S$1<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u2705 <strong>No minimum spend<\/strong> required for miles accumulation.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"bonus-miles-agoda-expedia-promotions\" class=\"wp-block-heading\"><strong>Bonus Miles: Agoda &amp; Expedia Promotions<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Agoda hotels:<\/strong> up to 8 miles per S$1 (Agoda Perk runs through 31 May 2026 \u2014 verify UOB&#8217;s current offer for bookings after that date)<br><\/li>\n\n\n\n<li><strong>Expedia hotels, activities and car rentals: <\/strong>up to 8 miles per S$1 (Expedia Perk through 31 March 2027)<br><\/li>\n\n\n\n<li><strong>Expedia flights: <\/strong>3 miles per S$1<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\ud83d\udcd6 Related guides: <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/best-singapore-credit-card\/\">Best Singapore Credit Card: Miles, Cashback &amp; Travel Compared<\/a><\/strong><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"uob-prvi-miles-fees-fx-charges\" class=\"wp-block-heading\"><strong><strong><strong><strong><strong><strong>UOB PRVI Miles Card Fees &amp; FX Charges<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\"><strong>Type<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Details<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>Annual Fee<\/strong><\/td><td>S$261.60 (GST inclusive)<\/td><\/tr><tr><td><strong>Fee Waiver<\/strong><\/td><td>First year waived for all variants. Ongoing waiver only on the AMEX variant when you spend S$50,000 or more per card anniversary year. Mastercard and Visa variants don&#8217;t have a standing spend-based waiver.<\/td><\/tr><tr><td><strong>FX Fee<\/strong><\/td><td>3.25% per foreign transaction<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\ud83d\udca1 For Singaporean travellers who want to <strong>avoid paying extra for FX fees<\/strong>, a multi-currency travel card like <strong>YouTrip is a practical alternative<\/strong>.<\/p>\n<\/blockquote>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">YouTrip offers <strong>zero foreign transaction fees <\/strong>and <strong>wholesale exchange rates<\/strong>, making it ideal for overseas spending.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\ud83d\udcd6 Related guides: <a href=\"https:\/\/www.you.co\/sg\/blog\/uob-mighty-fx-guide\/\"><strong>UOB Mighty FX Review: Rates, Fees &amp; Benefits<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"uob-prvi-miles-lounge-priority-pass\" class=\"wp-block-heading\"><strong><strong><strong><strong><strong><strong>UOB PRVI Miles Card Lounge &amp; Priority Pass<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Principal cardmembers across all variants (Visa, Mastercard, American Express) enjoy <strong>4 complimentary Priority Pass lounge visits per calendar year<\/strong>, with access to 1,700+ lounges worldwide. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Any guests are charged <strong>35 USD (~S$45) per entry<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\ud83d\udcd6 Related guides: <a href=\"https:\/\/www.you.co\/sg\/blog\/dbs-multiplier-account\/\"><strong>DBS Multiplier Account Review: Interest Rates, Salary Credit &amp; Is It Still Worth It?<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"complimentary-travel-insurance\" class=\"wp-block-heading\"><strong><strong><strong><strong><strong><strong>Complimentary Travel Insurance<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">UOB PRVI Miles cardholders who charge their full air ticket fare to the card are eligible for complimentary travel insurance, provided you submit the opt-in registration before your trip departs. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">UOB confirms the application via email within 3 working days.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Coverage<\/th><th class=\"has-text-align-left\" data-align=\"left\">Amount<\/th><\/tr><\/thead><tbody><tr><td><strong>Personal Accident (on public conveyance)<\/strong><\/td><td>Up to S$500,000<\/td><\/tr><tr><td><strong>Emergency Medical Assistance<\/strong><\/td><td>Up to S$50,000<\/td><\/tr><tr><td><strong>Travel Inconvenience (delays, missed connections)<\/strong><\/td><td>Included<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Included coverage:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Up to S$500,000 for personal accident on public conveyance<\/li>\n\n\n\n<li>Up to S$50,000 for emergency medical assistance, evacuation and repatriation<\/li>\n\n\n\n<li>Travel inconvenience benefits (flight delays, missed connections, overbooking)<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Not included:<\/strong> <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>General overseas outpatient medical expenses<\/li>\n\n\n\n<li>Lost\/damaged baggage<\/li>\n\n\n\n<li>Lost personal belongings<\/li>\n\n\n\n<li>Trip cancellation<\/li>\n\n\n\n<li>Personal liability<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udca1 While the coverage is helpful, many travellers may still prefer a dedicated travel insurance policy for comprehensive protection.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em><em><em>\ud83d\udcd6<\/em><\/em> Related guide: <a href=\"https:\/\/www.you.co\/sg\/blog\/travel-insurance-singapore\/\"><strong>Best Travel Insurance Singapore: Top Plans Compared<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"uob-prvi-miles-conversion-rate-expiry\" class=\"wp-block-heading\"><strong><strong><strong><strong><strong><strong><strong>UOB PRVI Miles Conversion Rate &amp; Expiry<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Conversion rate:<\/strong> 5,000 UNI$ = 10,000 KrisFlyer or Asia Miles<br><\/li>\n\n\n\n<li><strong>Conversion fee:<\/strong> S$27 per redemption<br><\/li>\n\n\n\n<li><strong>Miles expiry: <\/strong>2 years from the date of earning<br><\/li>\n\n\n\n<li><strong>Processing time: <\/strong>Enrolments and conversions take up to 5 working days to process, so plan ahead before booking redemption flights<br><\/li>\n\n\n\n<li><strong>Redemption platforms: <\/strong>Conversions can be done via the UOB TMRW app or the UOB Rewards+ online portal. \n<ul class=\"wp-block-list\">\n<li>Note: the KrisFlyer auto-conversion programme has been discontinued, so PRVI Miles users now convert manually each time.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><em><em><em>\ud83d\udcd6<\/em><\/em> Related guide: <a href=\"https:\/\/www.you.co\/sg\/blog\/uob-one-account-singapore\/\"><strong>UOB One Account Singapore Guide: Interest Rates, Fees, Review<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"comparing-uob-prvi-miles-vs-krisflyer-uob-credit-card\" class=\"wp-block-heading\"><strong><strong><strong><strong><strong><strong>Comparing UOB PRVI Miles vs KrisFlyer UOB Credit Card<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\"><strong>Feature<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>UOB PRVI Miles<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>KrisFlyer UOB Credit Card<\/strong><\/th><\/tr><\/thead><tbody><tr><td>Miles Currency<\/td><td>UNI$ \u2192 KrisFlyer \/ Asia Miles<\/td><td>Direct KrisFlyer miles<\/td><\/tr><tr><td>Miles Earn Rate (local)<\/td><td>1.4 mpd<\/td><td>1.2 mpd base<\/td><\/tr><tr><td>Miles Earn Rate (overseas)<\/td><td>2.4 mpd (3 mpd in ID\/MY\/TH\/VN)<\/td><td>1.2 mpd (3 mpd only on SIA Group spend \u2014 SIA, Scoot, KrisShop, Kris+, Pelago)<\/td><\/tr><tr><td>Lounge Access<\/td><td>4 visits\/year<\/td><td>None<\/td><\/tr><tr><td>FX Fee<\/td><td>3.25%<\/td><td>3.25%<\/td><\/tr><tr><td>Annual Fee<\/td><td>S$261.60<\/td><td>S$196.20<\/td><\/tr><tr><td>Miles Expiry<\/td><td>2 years (UNI$)<\/td><td>3 years (KrisFlyer programme rules)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\u2696\ufe0f If you fly Singapore Airlines or Scoot frequently, KrisFlyer UOB is a good choice. For flexibility, better everyday earn rates, lounge access, and Agoda promotions, UOB PRVI Miles wins.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">While both cards are strong for miles accumulation, <strong>YouTrip can reduce FX fees when spending abroad<\/strong>, giving Singaporean travellers extra savings that can boost their travel budget.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em><em><em>\ud83d\udcd6<\/em><\/em> Related guide: <a href=\"https:\/\/www.you.co\/sg\/blog\/dbs-mca-guide\/\"><strong>DBS Multi-Currency Account (MCA) Guide: Features, Exchange Rates, Fees<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"uob-prvi-miles-eligibility-requirements\" class=\"wp-block-heading\"><strong><strong><strong><strong><strong><strong>UOB PRVI Miles Card Eligibility Requirements<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\"><strong>Requirement<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Details<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Minimum Age<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">21 years old<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Minimum Income (Singaporeans)<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">S$30,000\/year<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Minimum Income (Foreigners)<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">S$40,000\/year<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Credit Standing<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">Good<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Card Types Available<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">Visa, Mastercard, American Express<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em><em><em>\ud83d\udcd6<\/em><\/em> Related guide: <a href=\"https:\/\/www.you.co\/sg\/blog\/dbs-altitude-card-guide\/\"><strong>DBS Altitude Card Guide: Miles, Benefits, Lounge Access &amp; Fees<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"pros-cons\" class=\"wp-block-heading\"><strong>Pros &amp; Cons<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u2705 Pros<\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>High miles earn rate (up to 2.4 mpd overseas, 3 mpd in regional currencies)<\/li>\n\n\n\n<li>Up to 8 mpd on Agoda and Expedia hotel bookings<\/li>\n\n\n\n<li>Unlimited miles accumulation with no minimum spend<\/li>\n\n\n\n<li>Complimentary travel insurance (limited coverage)<\/li>\n\n\n\n<li>4 complimentary lounge visits per year<\/li>\n\n\n\n<li>First-year annual fee waiver<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u274c Cons<\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>High annual fee (S$261.60)<\/li>\n\n\n\n<li>3.25% FX fee on overseas spend<\/li>\n\n\n\n<li>Miles conversion fee (S$27 per transfer)<\/li>\n\n\n\n<li>UNI$ expire after 2 years<\/li>\n\n\n\n<li>Lounge access cannot be shared; guests pay 35 USD (~S$45)<\/li>\n\n\n\n<li>Ongoing fee waiver only on the AMEX variant (S$50,000 annual spend)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><em><em><em>\ud83d\udcd6<\/em><\/em> Related guide: <a href=\"https:\/\/www.you.co\/sg\/blog\/ocbc-global-savings-guide\/\"><strong>OCBC Multi-Currency Account Guide: OCBC Global Savings Account<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"is-the-uob-prvi-miles-card-worth-it\" class=\"wp-block-heading\"><strong><strong><br><strong>Verdict: <strong>Is the UOB PRVI Miles Card Worth It?<\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The UOB PRVI Miles Card is ideal for:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Frequent travellers seeking airport perks and bonus miles promotions<\/li>\n\n\n\n<li>Singaporeans focused on airline miles rather than cashback<\/li>\n\n\n\n<li>Anyone who books hotels through Agoda or Expedia (where 8 mpd does real work)<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udca1 <strong>Alternative:<\/strong> For travellers who want lower costs, zero FX fees, and simpler travel spending, multi-currency cards like YouTrip are often the smarter choice.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em><em><em><em><em>\ud83d\udcda&nbsp;Read next:<\/em><\/em><\/em><\/em> Check out our guide to the best multi-currency cards for the biggest savings <\/em><a href=\"https:\/\/www.you.co\/sg\/blog\/best-multi-currency-cards-for-biggest-savings\/\"><strong><em>here<\/em><\/strong><\/a><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"why-youtrip\" class=\"wp-block-heading\"><strong><strong><strong><strong>Why YouTrip Might Be a Smarter Choice for Travellers<\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"900\" height=\"471\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2021\/07\/01.png\" alt=\"UOB PRIVI Miles Card vs YouTrip\" class=\"wp-image-69363\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2021\/07\/01.png 900w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2021\/07\/01-300x157.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2021\/07\/01-768x402.png 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>YouTrip offers:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Wholesale exchange rates<\/strong> \u2014 better than bank cards<br><\/li>\n\n\n\n<li><strong>Zero FX fees<\/strong> on overseas spend in 150+ countries (with 12 wallet currencies you can lock in-app at the rate you like)<br><\/li>\n\n\n\n<li><strong>Seamless multi-currency management<\/strong> right from the app<br><\/li>\n\n\n\n<li><strong>Instant notifications<\/strong> for every spend<br><\/li>\n\n\n\n<li><strong>Easy overseas transfers <\/strong>\u2014 send money abroad at low costs straight from the app<br><\/li>\n\n\n\n<li><strong>First S$400 of overseas ATM withdrawals free each month<\/strong>, then a flat 2% (allowance resets on the 1st)<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">For frequent Singaporean travellers, YouTrip can save more money and hassle than traditional miles credit cards with FX fees.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em><em><em>\ud83d\udcd6<\/em><\/em>  Related guide: <a href=\"https:\/\/www.you.co\/sg\/blog\/instarem-amaze-card-singapore\/\"><strong>Instarem Amaze Card Singapore Guide 2025: Fees, Rewards &amp; Is It Worth It?<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"faq\" class=\"wp-block-heading\"><strong><strong>FAQ<\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1779767752644\"><strong class=\"schema-faq-question\">Q1. Can I use UOB PRVI Miles for Agoda bookings? <\/strong> <p class=\"schema-faq-answer\">Yes \u2014 you can earn up to 8 miles per S$1 on Agoda hotel bookings made through the UOB PRVI Miles Agoda portal. The current promo runs through 31 May 2026; check UOB&#8217;s site for any extension or replacement offer after that date.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779767768610\"><strong class=\"schema-faq-question\">Q2. What is the annual fee? <\/strong> <p class=\"schema-faq-answer\">S$261.60, including GST. The first year is waived for all variants. From year 2, only the AMEX variant has a spend-based waiver (S$50,000 annual spend); Mastercard and Visa variants don&#8217;t.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779767780904\"><strong class=\"schema-faq-question\">Q3. What&#8217;s the FX fee? <\/strong> <p class=\"schema-faq-answer\">3.25% per overseas transaction.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779767794344\"><strong class=\"schema-faq-question\">Q4. Does it include lounge access? <\/strong> <p class=\"schema-faq-answer\">Yes \u2014 principal cardmembers (any variant) get 4 complimentary Priority Pass visits per calendar year. Guests are charged 35 USD (~S$45) per entry.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779767806674\"><strong class=\"schema-faq-question\">Q5. How does it compare to the KrisFlyer UOB Credit Card? <\/strong> <p class=\"schema-faq-answer\">PRVI Miles offers broader travel perks, lounge access, and Agoda\/Expedia hotel promotions; KrisFlyer UOB focuses on Singapore Airlines miles and earns 3 mpd on SIA Group spend with no UNI$ conversion fee.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779767819638\"><strong class=\"schema-faq-question\">Q6. Who should get it? <\/strong> <p class=\"schema-faq-answer\">Frequent travellers seeking flexible miles redemption, lounge access, and bonus deals on hotel bookings.<\/p> <\/div> <\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"bottom-line\" class=\"wp-block-heading\"><strong><strong>Bottom Line<\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"900\" height=\"471\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/11\/blog-size-27.png\" alt=\"Can YouTrip Be Used In Malaysia? Your Complete 2025 Guide\" class=\"wp-image-81146\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/11\/blog-size-27.png 900w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/11\/blog-size-27-300x157.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/11\/blog-size-27-768x402.png 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The <strong>UOB PRVI Miles Card<\/strong> is a strong travel rewards card for frequent flyers, especially those who want miles on overseas and Agoda\/Expedia spend. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, for <strong>cost-conscious travellers<\/strong> or those who want a <strong>simpler, fee-free solution for overseas spending<\/strong>, <strong>YouTrip <\/strong>provides a <strong>modern, multi-currency alternative<\/strong> that eliminates FX fees, hidden markups, and annual fees \u2014 making it a practical choice for Singaporeans travelling abroad in 2025.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Not on YouTrip yet? Get a&nbsp;<strong>free YouTrip card + S$5 YouTrip credits<\/strong>&nbsp;with code&nbsp;<strong>&lt;YTBLOG5&gt;<\/strong>.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Then, head over to our<a href=\"https:\/\/www.you.co\/sg\/youtrip-perks\/\">&nbsp;YouTrip Perks<\/a>&nbsp;page for exclusive offers and promotions \u2014 we promise you won\u2019t regret it. Join our Telegram (<a href=\"https:\/\/t.me\/s\/youtripsg\">@YouTripSG<\/a>) and Community Group (@YouTripSquad) for travel tips, event invites, and more!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bon voyage!<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3e41869c wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"https:\/\/youtrip.onelink.me\/P5AL\/ohkz600g?utm_source=youtrip_blog&amp;utm_medium=article&amp;utm_campaign=youtrip_app_download&amp;utm_term=&amp;utm_content=\" style=\"background-color:#6d37ac\"><strong>sign up now!<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Related Articles<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.you.co\/sg\/blog\/best-citi-miles-credit-cards-in-sg\/\"><strong>Best Citi Miles Credit Cards in Singapore: PremierMiles, Prestige, Rewards <\/strong><\/a><br><a href=\"https:\/\/www.you.co\/sg\/blog\/best-miles-credit-cards-in-singapore\/\"><strong>Best Miles Credit Card in Singapore For Overseas Spending<\/strong><\/a><br><a href=\"https:\/\/www.you.co\/sg\/blog\/best-multi-currency-cards-singapore\/\"><strong>Best Multi-Currency Cards In Singapore: A Full Comparison Guide<\/strong><\/a><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.you.co\/sg?utm_source=youtrip_blog&amp;utm_medium=banner&amp;utm_campaign=blog_footer&amp;utm_term=&amp;utm_content=\" target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"160\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1.png\" alt=\"\" class=\"wp-image-59000\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1.png 728w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1-300x66.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1-600x132.png 600w\" sizes=\"(max-width: 728px) 100vw, 728px\" \/><\/a><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.you.co\/biz\/?utm_source=youtrip&amp;utm_medium=banner&amp;utm_campaign=blog-footer&amp;utm_content=youbiz&amp;acq=BM&amp;sub_acq=BlogFooter&amp;ad_type=Article_Awa\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"90\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23.png\" alt=\"\" class=\"wp-image-44716\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23.png 728w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23-300x37.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23-600x74.png 600w\" sizes=\"(max-width: 728px) 100vw, 728px\" \/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Read all about it \ud83e\udd13<\/p>\n","protected":false},"author":75,"featured_media":80811,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[621],"tags":[39145,40393,40404],"class_list":["post-80795","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-foreign-exchange","tag-finance","tag-travel-card","tag-uob-privi-miles"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/80795","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/users\/75"}],"replies":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/comments?post=80795"}],"version-history":[{"count":5,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/80795\/revisions"}],"predecessor-version":[{"id":87653,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/80795\/revisions\/87653"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/media\/80811"}],"wp:attachment":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/media?parent=80795"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/categories?post=80795"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/tags?post=80795"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}