Compare UOB Miles Credit Cards
3 United Overseas Bank miles cards ranked side-by-side at your monthly spend.Last updated May 2026
Note: Projections are estimates based on standard Merchant Category Codes (MCCs) and currently published bank rates. Actual earnings may vary due to bank-specific exclusions or rate changes. This tool is for informational purposes and is not financial advice. Data updated as of May 2026.
In this scenario, pairing UOB PRVI Miles Visa/Mastercard as catch-all base card, Citi Rewards Card for Shopping & online and UOB Lady's Card for Dining.
Note: Projections are estimates based on standard Merchant Category Codes (MCCs) and currently published bank rates. Actual earnings may vary due to bank-specific exclusions or rate changes. This tool is for informational purposes and is not financial advice. Data updated as of May 2026.
Card rankings on this page are dynamically calculated using the latest 2026 miles-per-dollar metrics, category spending caps, minimum income thresholds, and active annual fees sourced from official banking portals in Singapore. The system projects estimated monthly and yearly mileage returns by parsing your configurable monthly spend across common categories (e.g., dining, travel, local retail) against each card's unique matrix. Spending limits, such as the S$1,000 caps explicitly defined for cards like the Citi Rewards and DBS Woman's World, are factored into the calculation algorithm to provide realistic projections. These projections are for illustrative purposes only and do not constitute financial advice.
About United Overseas Bank's miles cards
UOB runs one of the deepest card lineups in Singapore — flat-rate workhorses like PRVI Miles, tiered specialists like One and Lady's, and the KrisFlyer co-brand for direct Singapore Airlines crediting. This page filters the full SGfi miles-card comparison to just UOB's lineup, with the same calculator-based ranking, identical published rates and caps, and the same projected-miles formula applied across cards. Use the bank chips above to widen the comparison to other issuers.
SGfi tracks 3 UOB miles cards in this comparison: UOB PRVI Miles Visa/Mastercard, UOB Lady's Card, and UOB KrisFlyer 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.
How miles are calculated
Card rankings on this page are dynamically calculated using the latest 2026 miles-per-dollar metrics, category spending caps, minimum income thresholds, and active annual fees sourced from official banking portals in Singapore. The system projects estimated monthly and yearly mileage returns by parsing your configurable monthly spend across common categories (e.g., dining, travel, local retail) against each card's unique matrix. Spending limits, such as the S$1,000 caps explicitly defined for cards like the Citi Rewards and DBS Woman's World, are factored into the calculation algorithm to provide realistic projections. These projections are for illustrative purposes only and do not constitute financial advice.
Card summary table
Flat reference of every miles card included on this page. Tap a card name to open its full review.
| Card | Issuer | Base rate | Top bonus | Annual fee | Min spend |
|---|---|---|---|---|---|
| UOB PRVI Miles Visa/Mastercard | UOB | 1.4 mpd | 8 mpd | S$261.60 | None |
| UOB Lady's Card | UOB | 0.4 mpd | 4 mpd | S$196.20 | None |
| UOB KrisFlyer Card | UOB | 1.2 mpd | 3 mpd | S$196.20 | None |
Frequently asked questions
Which UOB miles credit cards does SGfi compare?
SGfi currently compares 3 United Overseas Bank miles cards: UOB PRVI Miles Visa/Mastercard, UOB Lady's Card, and UOB KrisFlyer 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?
The UOB Lady's Card has the lowest annual fee at S$196.20 per year among the UOB miles cards SGfi tracks. Annual fees may be waived for the first year — check the row detail for each card.
Which UOB miles card has the highest base rate?
The UOB PRVI Miles Visa/Mastercard has the highest base rate at 1.4 mpd. Some other UOB cards may earn more on category bonuses — see the comparison summary table on this page for the full rate breakdown.
Do UOB miles cards credit to KrisFlyer directly?
Only the UOB KrisFlyer Card credits miles directly to a linked KrisFlyer account. UOB PRVI Miles and UOB Lady's earn UNI$ that you transfer to KrisFlyer (or other partner programs) via UOB Rewards, in blocks. Transfer fees and minimums apply.
Which Singapore miles cards offer the highest mpd rates in 2026?
The suitable miles card depends on spending patterns. For uncapped everyday spending, the UOB PRVI Miles (1.4 mpd local, 2.4 mpd overseas) is a highly competitive all-rounder. For online shopping, the DBS Woman's World and Citi Rewards earn 4 mpd (capped at S$1,000/month). For Singapore Airlines loyalists, the UOB KrisFlyer Card earns 2.4 mpd uncapped on dining, online, and transport. For those seeking a card with no annual fee, the HSBC Revolution earns 4 mpd with no annual fee.
What does mpd mean?
Mpd stands for miles per dollar. It measures how many airline miles a credit card earns for every dollar spent. A card earning 2 mpd generates 2 airline miles for each S$1 charged. Higher mpd rates mean faster miles accumulation towards free flights.
How many miles do I need for a flight from Singapore to Tokyo?
A one-way KrisFlyer Saver Award flight from Singapore to Tokyo in Economy class requires approximately 25,500 miles. Business class requires approximately 54,500 miles one-way. Availability varies by date, and peak pricing tiers may require more miles. Round-trip flights require double the one-way mileage. Use our Miles Calculator to estimate how long your spending profile will take to reach those balances.
How do I transfer bank points to KrisFlyer?
Most bank reward points can be transferred to KrisFlyer through the bank's online rewards portal or mobile app. Citi Miles, DBS Points, UOB UNIS$, and OCBC TravelS$ each have their own transfer process. Transfers typically take 1-5 business days. Direct KrisFlyer co-brand cards (UOB KrisFlyer, AMEX KrisFlyer) credit miles automatically without a transfer step.
What are the bank points-to-KrisFlyer-miles conversion rates?
Conversion rates vary by bank reward program. DBS Points and UOB UNI$ are among the most generous at 2 miles per point (5,000 points = 10,000 miles). Citi Miles (PremierMiles, Prestige), OCBC 90°N Miles, and OCBC VOYAGE Miles convert 1-to-1. Amex Membership Rewards convert at roughly 0.56 miles per point (450 points = 250 miles); Amex Platinum Points at 0.625 miles per point (400 points = 250 miles). Citi Rewards Points, SC 360° Rewards, Maybank TREATS, and OCBC$ run at 0.4 miles per point (25,000 points = 10,000 miles). HSBC Reward Points convert at roughly 0.33 miles per point (30,000 points = 10,000 miles). Most banks charge a S$27.25 administrative fee per transfer block and credit within 1-5 business days. Use the Miles Calculator to convert your current point balances into KrisFlyer miles and see which destinations from Singapore are within reach.
Do KrisFlyer miles expire?
KrisFlyer miles expire 36 months after they are earned. However, bank reward points may have different expiry policies. Citi PremierMiles and DBS Altitude points do not expire. However, UOB UNI$ expire after 2 years, Citi ThankYou Points (from Citi Rewards) expire after 5 years, and DBS points from the Woman's World card expire after just 1 year. UOB UNIS$ expire after 2 years. OCBC TravelS$ do not expire. Check each bank's terms before transferring to KrisFlyer.
Can I combine miles from different credit cards into one KrisFlyer account?
Yes. Miles from different bank cards can be combined by transferring reward points from multiple cards to the same KrisFlyer membership number. Cards from different banks can all feed into one account. Direct co-brand cards must be linked to the same KrisFlyer account during application.
Which Singapore credit card earns the most miles per dollar?
Cards with 4 mpd category bonuses (Citi Rewards, DBS Woman's World, HSBC Revolution) earn the highest rate but are capped at S$1,000/month per eligible category. For uncapped earning, the UOB PRVI Miles leads at 1.4 mpd local and 2.4 mpd overseas. The SC Visa Infinite earns 3 mpd overseas and 1.4 mpd locally but requires a minimum S$2,000 monthly spend.
Are miles earned on credit card annual fee payments?
Most Singapore credit cards do not award miles on annual fee charges. The annual fee is typically excluded from miles-earning transactions. Check specific card terms as policies vary by issuer.
Are these rates guaranteed?
No. Banks change miles-per-dollar rates, caps, and eligible categories regularly. The numbers shown are projections based on rates verified at the date noted, not guarantees of future earnings.
Last verified: May 2026
SGfi is for educational purposes and does not constitute financial advice. Please consult a licensed professional before making financial decisions. SGfi may receive compensation from partners featured on this site.
All miles values are projections based on published bank rates as of May 2026. Actual miles earned depend on eligibility, exclusions, and rate changes by the issuing bank.