For Singapore's "mileage enthusiasts," United Overseas Bank's (UOB) three star credit cards — PRVI Miles, KrisFlyer UOB, and Visa Signature — have become popular choices among frequent travelers, thanks to their differentiated mileage accumulation strategies and deep integration with Singapore Airlines' KrisFlyer program. This article, combined with the latest 2025 policies, comprehensively breaks down how to choose the right UOB card from income thresholds, annual fee costs, mileage efficiency to hidden benefits, turning every dollar spent into a "free flight ticket."

I. 3 Core Criteria for Choosing the Right UOB Miles Card

1. Income Requirements and Annual Fee Costs

• Entry-level (PRVI Miles/KrisFlyer UOB): Singapore residents with an annual income of SGD 30,000 can apply, with annual fees ranging from SGD 196.20 to SGD 261.60 (typically waived for the first year).
• Mid-tier (Visa Signature): Requires an annual income of SGD 40,000–50,000, with an annual fee of SGD 218, suitable for middle to high-income groups.

2. Mileage Earning Efficiency (per SGD spent)

• PRVI Miles: 5 miles for overseas spending, 8 miles for travel bookings on Agoda/Expedia (the highest in its category).
• KrisFlyer UOB: 3 miles for spending with Singapore Airlines/Scoot; 3 miles for dining/travel when monthly spending reaches SGD 800.
• Visa Signature: Earns 10 UNI points for every SGD 5 spent (equivalent to 2 miles/SGD), with doubled earnings for fuel/overseas spending.

3. Matching with Unique Benefits

• Airport lounge access (essential): Prioritize PRVI Miles (4 visits/year).
• Targeting SIA elite membership: KrisFlyer UOB enables fast-track to Elite Silver.
• Prefer flexible redemption: Visa Signature's UNI points support multi-platform conversion.

II. In-depth Comparison Table of UOB's Three Miles Cards

III. Individual Card Reviews: Which One Suits You Best?

1. UOB PRVI Miles: Top Choice for Travel Enthusiasts, High-Rate Mileage Accumulation

• Mileage earning highlights:
  • Earn 8 miles/SGD on hotel/flight bookings via Agoda/Expedia (e.g., SGD 1,000 spending = 8,000 miles, enough for a round-trip business class ticket from Singapore to Bangkok).
  • 5 miles/SGD for overseas spending, 3x higher than regular cards — ideal for daigou (proxy purchasing) or frequent travelers.
• Hidden benefits:
  • Complimentary travel insurance up to SGD 500,000, including flight delay coverage (SGD 200 for 4-hour delays).
  • Mastercard version offers 10% discount on Booking.com, combining with mileage earnings for "double savings."
• Suitable for: Users who travel abroad at least 2 times a year and prefer booking travel products online.

2. UOB KrisFlyer UOB: "Fast Track" for SIA Loyalists

• Exclusive advantages:
  • Miles are directly credited to KrisFlyer accounts, eliminating manual conversion (1 mile = 1 SIA mile).
  • Annual spending of SGD 5,000 on SIA/Scoot directly upgrades to Elite Silver (enjoy priority boarding and extra baggage allowance).
  • Monthly spending of SGD 800 automatically upgrades dining/online travel spending to 3 miles/SGD.
• Case study: Mr. Wang spends SGD 1,000 monthly on SIA官网, accumulating 36,000 miles annually while unlocking Elite Silver — 6 months faster than regular members.
• Suitable for: "Star Alliance enthusiasts" who choose SIA for 80% of travels and pursue membership tiers.

3. UOB Visa Signature: All-Rounder with Flexible Points Usage

• UNI points strategies:
  • Earn 10 UNI points (=2 miles) for every SGD 5 spent; doubled earnings (4 miles/SGD) for fuel, overseas spending, and contactless payments.
  • 5,000 UNI points can be converted to 10,000 KrisFlyer miles (SGD 25 fee), or transferred to Marriott, Asia Miles, etc.
• Lifestyle benefits:
  • Partner discounts (e.g., 5% cashback at FairPrice supermarkets, Shell fuel offers).
  • Ideal for high local spending (e.g., SGD 500 monthly on fuel earns 4,800 miles annually).
• Suitable for: Middle to high-income families with balanced local/overseas spending who prefer "one card for multiple uses."

IV. Complete Guide to UOB Mileage Redemption

1. Comparison of Conversion Methods

2. Auto Conversion Program (Must-Know!)

• KrisFlyer UOB: Automatically credits miles monthly by default, no fees — ideal for "lazy users."
• PRVI Miles/Visa Signature: "Auto conversion" needs to be activated in the app. PRVI Miles waives fees for the first year; Visa Signature users are advised to accumulate 5,000 UNI before conversion (to spread costs).

V. Scenario-Based Recommendations: Choosing the Most Cost-Effective Card

• Frequent overseas travelers: Choose PRVI Miles. 8 miles/SGD for travel platform spending + 4 lounge visits perfectly cover the entire "booking-traveling-waiting" process.
• Deep SIA users: KrisFlyer UOB's automatic accumulation + membership acceleration yields long-term benefits far exceeding the annual fee.
• Local spending-focused users: Visa Signature's doubled points + supermarket/fuel discounts make daily mileage accumulation easier.

VI. Notes

• Overseas fees: All UOB cards charge a 3.25% cross-border fee. For large transactions, prioritize PRVI Miles (5 miles/SGD can cover the cost).
• Mileage validity: PRVI Miles/Visa Signature miles are valid for 2 years; KrisFlyer UOB follows SIA's rules (3 years).
• Annual fee waiver conditions: First-year fee is waived; subsequent years typically require annual spending of SGD 12,000–15,000 (check official website for details).

Conclusion

UOB's three miles cards each have their focus: PRVI Miles is a "high-rate travel machine," KrisFlyer UOB is an "SIA accelerator," and Visa Signature is a "lifestyle points pool." It is recommended to decide based on annual travel frequency (3+ trips: PRVI), airline preference (SIA: KrisFlyer), and spending structure (high local spending: Signature).