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UOB cuts PRVI Pay cost to 1.9 cents till end of 2019

UOB has cut the cost of PRVI Pay to 1.9 cents per mile, on par with other "no-questions-asked" facilities on the market.

UOB has been experimenting with many different PRVI Pay fees in 2019:

And now, for those still following, UOB has lowered the PRVI Pay fee to 1.9% until the end of 2019.

This means you can buy miles at 1.9 cents each, down from the previous 2.0 cents. A difference of 0.1 cents may not sound like much, but when you’re buying hundreds of thousands of miles, it really helps.

How does PRVI Pay work?


PRVI Pay is UOB’s “no-questions-asked” miles buying facility. Unlike similar facilities offered by Citibank and SCB, you don’t need a tenancy agreement, IRAS NOA, MCST invoice or any sort of documentation.

Cardholders can opt to charge any amount (subject to their credit limit) to PRVI Pay. The amount is deposited into their bank account, and charged together with an admin fee to their UOB PRVI Miles card.

Cardholders will earn UNI$2.5 for every S$5 charged to the facility (the admin fee does not earn UNI$). These UNI$ can be converted into either KrisFlyer or Asia Miles at a rate of 1 UNI$= 2 miles.

Even though the amount you can charge to PRVI Pay is capped by your credit limit, there’s nothing stopping you from “topping up” your credit limit by pre-paying your card account through ibanking.

How does this compare to other ways of buying miles?

The cost of buying miles in Singapore has fallen significantly over the past 12 months, so much so that I’ve revised my valuation of a KrisFlyer mile down from 2 cents to 1.8 cents each.

The table below summarizes your options for buying miles. Do keep in mind that not every option will be available to you, as some have income restrictions (e.g the SCB Visa Infinite’s tax payment facility requires a $150K p.a. SCB Visa Infinite card), and others require having particular types of payments (e.g. you can’t use RentHero unless you have a rental bill to pay).

MethodIncome RequiredCPMAnnual Miles Limit
SCB Visa Infinite Tax Payment (Spend >$2K p.m) $150K1.14Tax bill
UOB Reserve/DBS Insignia with RentHero Invitation1.14Rental amount
HSBC Visa Infinite Tax Payment (Spend >$50K p.a in prev year) $120K1.2Tax bill
BOC Elite Miles World Mastercard with RentHero $30K1.21Rental amount
HSBC Premier MC Tax PaymentAUM: $200K1.25Tax bill
Citi PayAll with Citi Ultima Invitation1.25Bill amount
UOB PRVI Miles/SCB Visa Infinite (>$2K p.m)/UOB Visa Infinite Metal with RentHero UOB PRVI Miles: $30K
SCB Visa Infinite/ UOB Reserve: $150K
1.30Bill amount
HSBC Visa Infinite Welcome Gift- Premier customer $120K + AUM $200K1.3935K
SC EasyBill with SCB Visa Infinite (Spend >$2K p.m) $150K1.43Bill amount
CardUp with BOC Elite Miles World Mastercard$30K1.47Bill amount
HSBC Visa Infinite Tax Payment (Spend <$50K p.a in prev year) $120K1.5Tax bill
DBS Altitude with RentHero$30K1.51Rental amount
Citi PayAll with Citi Prestige/Citi PremierMiles AMEXCiti Prestige: $120K
Citi PremierMiles AMEX: $80K
1.54Bill amount
Cardup with UOB PRVI Miles$30K1.57Bill amount
SCB Visa Infinite Tax Payment (Spend <$2K p.m)$150K1.6Tax bill
Citi PayAll with Citi PremierMiles Visa $30K1.67Bill amount
SCB Visa Infinite Welcome Gift$150K1.6835K
HSBC Visa Plat/Revolution Tax Payment $30K1.75Tax bill
Citibank PremierMiles AMEX Annual Fee$80K1.7815K
Cardup with DBS Altitude/Citibank PM Visa $30K1.83Bill amount
HSBC Visa Infinite Welcome Gift- Regular Customer $120K1.8635K
OCBC VOYAGE Tax Payment$120K1.9Tax bill
UOB Reserve VI Payment FacilityInvitation1.9Unlimited
Citibank PremierMiles Visa, DBS Altitude, KrisFlyer UOB Card, OCBC 90N Annual Fee$30K1.9310K
OCBC VOYAGE Payment Facility $120K1.9 or 1.95Unlimited
UOB PRVI Pay Facility $30K2.0Unlimited
UOB VI Metal Payment Facility $150K2.0Unlimited
SC EasyBill with SCB Visa Infinite (Spend <$2K p.m) $150K2.0Bill amount
OCBC VOYAGE Annual Fee- Option 2$120K2.14150K
Citi Prestige Annual Fee$120K2.1425K
DBS Altitude Tax Payment $30K2.5Tax bill
OCBC VOYAGE Annual Fee- Option 1$120K3.2515K

UOB PRVI Pay’s main advantage is that it’s a “no questions asked” facility, hence suitable for those without bills to pay. At a 1.9 cents per mile cost, it’s on par with other “no questions asked” facilities like the OCBC VOYAGE and UOB Reserve Visa Infinite.


However, if you do indeed have bills to pay, you’re going to want to consider the following cheaper options:

Rent Tax
Method Fee Price Range Method Fee Price Range
RentHero 1.85% 1.14-1.51 cpm SCB VI 1.6% 1.14- 1.6 cpm
CardUp 1.9% with SAVERENT19
1.17-1.55 cpm  HSBC VI 1.5% 1.2-1.5 cpm
Citi PayAll 2% 1.25-1.67 cpm Citi PayAll 2% 1.25-1.67 cpm
SC EasyBill 2% 1.43- 2 cpm SC EasyBill 2% 1.43- 2 cpm
Condo Fees/ Electricity/ Education/ Insurance
Method Fee Price Range
CardUp 1.95% with EVERY4FREE 1.20-1.59 cpm
Citi PayAll (no insurance) 2% 1.25-1.67 cpm
SC EasyBill (no condo fees & electricity) 2% 1.43- 2 cpm
General note: Do not make the mistake of comparing admin fee % to determine which is the lowest cost option! For example, Citi PayAll has a fee of 2%, but when paired with the Citi Prestige card (1.3 mpd) can generate miles at 1.54 cents each. UOB PRVI Pay has a fee of 1.9%, but earns 1 mpd with the UOB PRVI Miles card for 1.9 cents each. Same fee, different cost. Always refer to the table above for the relevant workings


A 1.9 cents per mile fee makes PRVI Pay a very good option for those who can’t access cheaper payment facilities. It’s also a useful way to top up your UNI$ to UOB’s minimum transfer block of UNI$5,000 (10,000 miles).

If nothing else, it’s much cheaper than buying miles from Singapore Airlines at about 5 cents each.


(HT: I_F)

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