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| Monthly Spend | S$1K | S$2K | S$4K | S$6.5K | S$10K |
|---|---|---|---|---|---|
| Net Reward Yield | 2.0% | 2.5% | 2.5% | 2.6% | 2.7% |
| Est. Monthly Reward (S$) | 15 | 50 | 100 | 165 | 270 |
| All-Singapore Rewards Rank* | 23 | 7 | 4 | 3 | 2 |
| Within Bank Rank* | 6 | 4 | 2 | 2 | 2 |
| * Based on est. net reward yield for more than 70 credit cards in Singapore, for each monthly spending level. Read about how we calculate the net reward yield here & here. | |||||
The UOB PRVI Miles Credit Card gives 8.4% effective rewards on bookings with Expedia, Agoda & UOB Travel, 3.4% rewards on all overseas spending and 1.96% rewards on all other spending.
The base reward rate of 3.5 UNI$ / S$5 spending translates to a 1.4 miles per dollar (mpd) or about a 1.96% reward rate which is one of the best base rewards rates of any credit card in Singapore.
Only credit cards with much higher annual fees, like the DBS Vantage, or ultra high-end cards like the UOB Reserve have a higher base reward rate (1.5 – 1.6mpd).
Combined with high reward rates for travel bookings and overseas transactions, we estimate you can earn a reward yield of 2.0-2.7% on all your spending with this card in a month.
However there are a couple of restriction to keep in mind before signing up for the UOB PRVI.
First, the bonus reward rate for travel (8.4%) is not available category-wide for travel but is restricted to only certain websites and only certain airlines on those websites.
The notable exclusion here is Singapore Airlines, which can be a deal breaker for many Singapore residents. Also notable is the lack of any vacation rental platforms like AirBnB etc.
As long as you are comfortable making all your travel bookings via the 3 included sites / travel agents, the PRVI can be one of the best credit cards in Singapore, especially for high spenders who may travel a lot.
If you are not comfortable with the restriction on this card, scroll down for our recommendations on the best credit cards in Singapore.
| Card | UOB PRVI Miles Credit Card |
|---|---|
| Card Type | Reward |
| Cashback Features | 20 UNI$ / S$5 on: – Travel – Expedia – Agoda 6 UNI$ / S$5 on overseas spends 3.5 UNI$ / S$5 on all other spends
|
| Reward Caps | Unlimited |
| Other Rewards & Benefits | – Complimentary travel insurance of S$500,000
– 2 complimentary Airport transfers quarterly |
| Preferred Redemption Method | Convert UNI$ to KrisFlyer Miles on UOB Rewards @ 1 UNIS$ = 2 Miles.
Avoid cashback option as it earns S$0.01 / UNI$. Converting to KrisFlyer Miles earns S$0.028 / UNI$^ or nearly 140% higher than the cashback option. |
| Fee for Points to Miles Conversion | S$26.75 |
| Minimum Points for Conversion to Miles | 1,500* |
| * Due to the conversion fee of S$26.75, converting a smaller number of points to miles is uneconomical.
^ Assuming S$0.014 / KrisFlyer based on our estimates. |
|
| Card | UOB PRVI Miles Credit Card |
|---|---|
| Income Criteria | S$30,000 |
| Annual Fee | S$259.20 |
| Min. Annual Credit Card Spend for Fee Waiver |
– First Year Waived – S$50,000 second year onwards |
| Supplementary Card Fee | S$129.60 ( First Card Free) |
| Interest Rate | 26.90% |
| Foreign Currency Markup | 3.25% |
| Cash Advance Charge | 8% or $15, whichever is higher |
The Maybank Family & Friends Credit Card is the best credit card in Singapore if you charge less than S$4,000 a month to your card.
It has the highest cashback rate of 8% on 5 spending categories of your choice and also the highest monthly cashback cap of S$125.
We estimate you can earn a reward yield of 3.0 – 4.8% with this card on monthly spends between S$800 – 4,000.
The KrisFlyer UOB Credit Card is the best rewards card in Singapore for monthly spends above S$4,000 a month.
You can earn up to 3 miles per dollar spent with this card on dining, travel & online fashion and 1.2 miles per dollar on most other transactions.
We estimate you can earn a reward yield of 2.5 – 2.8% on all your spending with this card.
The Citi Cash Back+ is the best cashback credit card if you spend more than S$7,800 a month on your card. Its cashback rate of 1.60% with no caps, overall or by category, is one of the highest in Singapore.
Learn more about which is the best card for you by reading our pieces on the best rewards card, the best cashback card and the best card combos in Singapore.
If you drive, consider our piece on the best card for petrol and if you’re a travel bug, read about the best card for travel.
Questions? Suggestions? See a mistake? Write to us!
2.2 VOYAGE Miles / S$1 on Foreign Spends and 1.3 Miles on Local Spends. Unlimited Complimentary Airport Lounge Visits. Above average but not great, high fee.
3.2 KrisFlyer mpd on Grab, 2 mpd on Singapore Airlines & KrisShop and 1.2 miles on the rest. Overseas spends earn 2 mpd in June & December only.
6.67% cashback on Shopee, Grab, SimplyGo, Giant, Cold Storage, CS Fresh, Jasons & UOB travel. All other spending earns 3.33% cashback capped at S$200 / Qtr.
