Compare UOB Credit Cards
All 6 United Overseas Bank miles and cashback cards in one ranked list, scored by value at your monthly spend. Updated 30 Jun 2026
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Miles cards are ranked by projected miles × this value. Cashback is always face value.
Preset values are derived from the SGfi Miles Value Index — the same Saver-award and cash-fare data used across the site. Adjust to match how you redeem.
Ranked by projected gross S$-equivalent value at your spend and chosen mile value. Cashback counts at face value; miles are valued at the cents-per-mile you set. Ties broken alphabetically by issuer. Cards marked “Affiliate” earn SGfi a referral commission if you apply through these links — this does not influence the ranking.
Ranked by projected gross S$-equivalent value at your spend and chosen mile value. Ties broken alphabetically by issuer. Cards marked “Affiliate” earn SGfi a referral commission if you apply through these links — this does not influence the ranking.
Figures are estimates based on the spending you entered, assumed steady across the year, using standard Merchant Category Code (MCC) classifications and each issuer’s published rates. Monthly caps, annual fees and minimum-spend requirements are shown on every row and factored into the projections. Not modelled: promotional sign-up bonuses, merchant-specific exclusions, fee waivers beyond the first-year window shown, and future rate changes by issuers. First-year figures assume a new cardholder eligible for introductory rates; ongoing figures reflect post-introductory rates. Standard merchant coverage estimates are based on Singapore market share; you can adjust them in the settings above.
Actual earnings depend on your eligibility and each bank’s current terms, which may differ from the figures shown here — always verify with the issuer before applying.
About United Overseas Bank's credit cards
UOB's miles cards span the flat-rate PRVI Miles workhorse, the customisable Lady's Card, and the KrisFlyer co-brand that credits Singapore Airlines miles directly. UOB's cashback cards run from the flat-rate Absolute Card to the tiered One Card, which rewards consistent monthly spend across transport, Shopee, and everyday categories. This page filters the full SGfi credit-card comparison to UOB's lineup and ranks its miles and cashback cards together by the S$-equivalent value each earns at your monthly spend — cashback at face value, miles at the cents-per-mile you choose. Use the bank chips above to compare other issuers.
SGfi tracks 4 UOB miles cards in this comparison: UOB PRVI Miles Card, UOB Lady's Card, KrisFlyer UOB Credit Card, and UOB Visa Signature Card. Across the lineup, annual fees range from S$196.20 to S$261.60, base rates run from 0.4 mpd to 1.4 mpd, and top category bonuses reach 8 mpd on eligible spend. Use the input sidebar to rank the cards by projected annual miles at your monthly spend profile.
SGfi tracks 2 UOB cashback cards in this comparison: UOB Absolute Cashback Card and UOB One Credit Card. Across the lineup, all carry an annual fee of S$196.20, base rates run from 0% to 1.7%, and no card declares a category bonus above its base rate. Use the input sidebar to rank the cards by projected annual cashback at your monthly spend profile.
For how each figure is sourced, time-stamped, and built — and what the calculator does and does not model — read our methodology.
Frequently asked questions
Can I hold both a UOB miles card and a UOB cashback card?expand_more
Yes. Many Singapore cardholders pair a miles card for travel-leaning and foreign-currency spend with a cashback card for everyday categories. This page ranks all 6 UOB cards (4 miles and 2 cashback) in one list by the S$-equivalent value each earns at your spending, so you can see which UOB card leads for your mix and whether a second card adds value.
Which UOB miles credit cards does SGfi compare?expand_more
SGfi currently compares 4 United Overseas Bank miles cards: UOB PRVI Miles Card, UOB Lady's Card, KrisFlyer UOB Credit Card, and UOB Visa Signature Card. Each is ranked by projected annual miles at the monthly spend you enter on the calculator above.
Which UOB miles card has the lowest annual fee?expand_more
The UOB Lady's Card has the lowest annual fee at S$196.20 per year among the UOB miles cards SGfi tracks. Annual fees may be waived for the first year — check the row detail for each card.
Which UOB miles card has the highest base rate?expand_more
The UOB PRVI Miles Card has the highest base rate at 1.4 mpd. Some other UOB cards may earn more on category bonuses — see the comparison summary table on this page for the full rate breakdown.
Do UOB miles cards credit to KrisFlyer directly?expand_more
Only the UOB KrisFlyer Card credits miles directly to a linked KrisFlyer account. UOB PRVI Miles and UOB Lady's earn UNI$ that you transfer to KrisFlyer (or other partner programs) via UOB Rewards, in blocks. Transfer fees and minimums apply.
Which UOB cashback credit cards does SGfi compare?expand_more
SGfi currently compares 2 United Overseas Bank cashback cards: UOB Absolute Cashback Card and UOB One Credit Card. Each is ranked by projected annual cashback at the monthly spend you enter on the calculator above.
Which UOB cashback card has the lowest annual fee?expand_more
The UOB Absolute Cashback Card has the lowest annual fee at S$196.20 per year among the UOB cashback cards SGfi tracks. Annual fees may be waived for the first year — check the row detail for each card.
Which UOB cashback card has the highest base rate?expand_more
The UOB Absolute Cashback Card has the highest base rate at 1.7%. Some other UOB cards may earn more on category bonuses — see the comparison summary table on this page for the full rate breakdown.
How do the UOB One Card quarterly tiers work?expand_more
UOB One requires a consistent monthly spend across all three months of a quarter (S$600, S$1,000, or S$2,000) — to unlock that tier's base cashback (paid quarterly). Specialist-category bonuses (Shopee, MRT/Bus, McDonald's, etc.) are paid monthly and stack on top.