UOB PRVI Miles Elite Card
Up to 12x UNIRM overseas + 8 lounge visits/year
Last updated 21 September 2026 · Reviewed by Raymond, Rates.my
UOB PRVI Miles Elite Card overview
The UOB Bank UOB PRVI Miles Elite Card is a Elite-tier Mastercard miles card built around air miles. Up to 12x UNIRM overseas + 8 lounge visits/year. It best suits high-income earners, with a minimum income requirement of RM100,000 a year. It has an annual fee of RM600 (waived at rm50,000/yr spend). Standout perks include airport lounge access, complimentary travel insurance.
Features & benefits
- ✓Up to 12x UNIRM on overseas spend
- ✓8 complimentary lounge visits + KLIA T1 private lounge
- ✓Grab ride home from KLIA + bonus UNIRM on sign-up
Is the UOB PRVI Miles Elite Card worth it?
The UOB PRVI Miles Elite Card is best suited to high-income earners — its minimum income requirement is RM100,000 a year (about RM8,333 a month). As a miles card, it works best for frequent flyers who will convert spending into air miles and redeem them for flights or upgrades.
- +Annual fee waivable (waived at rm50,000/yr spend)
- +Complimentary airport lounge access
- +Complimentary travel insurance
- −RM600 annual fee unless the waiver condition is met
- −Higher income requirement — RM100k a year
- −Rewards only pay off if you actively redeem your points or miles
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
Eligibility & how to apply
Requirements are general guidance — UOB Bank sets the final approval criteria. Confirm current terms before you apply.
The fine print, decoded
The catches most people miss on the UOB PRVI Miles Elite Card, in plain language — so nobody gets caught out. Always confirm against the official terms.
- What's excluded
- The base 1X UNIRM rate excludes: Balance Transfers, Easi Payment Plans, 0%-Interest Instalment Payment Plans, Flexi-Credit Plans, refunded/disputed/unauthorized/fraudulent transactions, CreditShield/CreditShield Plus (or other credit insurance) premiums, cash withdrawals, alimony/child support, court/government/state/local-authority fines, bail/bond payments, payments to any government department, JomPay transactions, financial services/gambling/quasi-cash, charity bodies, and annual fees/interest/late-payment charges/cash-withdrawal charges/tax/other fees charged to the card.
- Min spend to earn
- None stated in the T&C for the 5X/10X/12X bonus rates — they apply from the first Ringgit of Eligible Spend in each category.
- How the cap works
- No capping stated on the 5X (Airlines, MYR), 10X (overseas, non-regional currency) or 12X (overseas, SGD/THB/IDR/VND) UNIRM rates in the official T&C's Table A — only the base 1X "Other Spend" rate applies with no bonus multiplier once those excluded categories are set aside.
- Foreign transaction fee
- 1% UOB foreign-exchange conversion markup on the converted Ringgit Malaysia amount, plus a Visa/Mastercard International administration charge of up to 1.22% — per UOB Malaysia's general Credit Card/Commercial Card PDS (bank-wide schedule; not independently re-confirmed as naming this card).
- ⚠Settling overseas spend in MYR (e.g. DCC — Dynamic Currency Conversion — at the point of sale) drops the rate to 1X UNIRM, not 10X/12X — the bonus rate needs settlement in the actual foreign currency
- ⚠The Annual Bonus UNIRM only pays out if the Annual Fee is paid in full — a waived, partially-paid, or promo-discounted fee forfeits it
Verified 22 August 2026. Summarised in our own words from UOB Bank's published terms — indicative only, and terms change. Read the official document before you apply.
📄 Official UOB PRVI Miles Elite Cardterms & product disclosure →UOB PRVI Miles Elite Card FAQ
You need a minimum annual income of RM100,000 (about RM8,333 a month). UOB Bank also considers your overall credit standing.
The annual fee is RM600, but it can be waived: waived at rm50,000/yr spend.
It earns air miles. Up to 12x UNIRM overseas + 8 lounge visits/year.
No — the UOB PRVI Miles Elite Card is a conventional credit card. Check with UOB Bank for any Islamic (card-i) equivalent.
It's a good fit for high-income earners who want air miles — its main draw is "Up to 12x UNIRM overseas + 8 lounge visits/year". Weigh the RM600 annual fee against how much you'll earn back. Compare it with the related cards below before applying.
See how the UOB PRVI Miles Elite Card compares
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Rates, fees and promotions are indicative and time-limited — always confirm current terms with UOB Bank before applying. Not financial advice. Rates.my is an independent comparison site, not affiliated with or endorsed by UOB Bank; card names and logos belong to their respective owners. Spotted an error or need a correction or takedown? Contact Raymond at raymond@rates.my.