UOB PRVI Miles Elite: The Go-to Overseas Spend Card Just Got Better in 2025.

The UOB PRVI Miles Elite (UOB PME) offers 0.83 MPR for foreign currency transactions with no cap, making it an excellent choice for overseas spend. From now until the end of 2026, the earning rate is boosted to 1.00 MPR for transactions in SGD, THB, IDR, and VND, and up to 2.4 MPR on Agoda. Plenty of meat to enjoy indeed!

Overview

Who is this card for?

The UOB PRVI Elite Miles card is ideal for those who travel abroad or transact in foreign currency online often.

But even if you don’t travel often, you can still benefit from this card for local hotel bookings (paid in RM) through Agoda at 1.5 MPR.

This card is also ideal for Malaysians living abroad. For example, if you live in Singapore, this would be a 3.30 MPD general spending card (1 SGD ~ RM3.3 at the time of writing).

Enhanced MPR for selected ASEAN currencies

All transactions in SGD, THB, IDR, and VND now earn a nice 1.00 MPR, whether online or offline.

If you recall, UOB previously offered 1.00 MPR for all foreign currency transactions before dialing it back to 0.83 MPR in September 2024. That change left many feeling disappointed, but this latest upgrade brings back some excitement.

Note that all other foreign currencies will continue to earn 0.83 MPR.

Enhanced MPR for Agoda Hotel Bookings

Here’s the enhanced earning rates for hotel bookings on Agoda

Note that the earn rates above are a combination of base and bonus points. Bonus points will only be credited up to 3 months after your hotel stay, which implies that UOB knows whether you’ve completed your stay.

To qualify for the bonus, bookings must be made through agoda.com/myprvimiles. Only hotel bookings are eligible for the bonus. Flights, activities, eSIMs, and other purchases do not qualify.

Being an OTA, booking through Agoda means we don’t get to utilise Hotel Elite Status perks and hotel elite points multipliers (hence hotel rebates).

How Does This Card Stack Up with its Peers ?

Card	Airline	Overseas Spend
UOB PRVI Miles Elite	0.41 MPR	0.83 / 1.00 MPR
UOB Visa Infinite	0.08 MPR	0.83 MPR
CIMB Travel World Elite	0.67 MPR	0.67 MPR

As you may know, the UOB Visa Infinite (UOB VI) and the UOB PRVI Miles Elite (UOB PME) are very similar, with the major difference being that the UOB Visa Infinite offers 0.41 MPR for Dining, while the UOB PRVI Miles Elite offers 0.41 MPR for Airline. Since the focus here is on Overseas Spend, and with UOB PME now offering a superior earning rate, we are more inclined to recommend the UOB PME over the UOB VI.

The CIMB Travel World Elite (TWE) is another solid option for overseas spend. It also gives you access to a much wider range of Frequent Flyer Programs (FFPs), or what we like to call Seafood Miles.

Foreign Currency Transaction Cost

Without going into too much detail, foreign currency transactions cost for UOB PME is approximately 2.25%.

That means for SGD, THB, IDR and VND (the ASEAN Tigers), the cost of miles is about 2.25 CPM. For other currencies, the cost of miles is about 2.70 CPM.

You can estimate the cost using the Mastercard Currency Converter Calculator.

Airline Transfer Partners

You can convert UNIRM to Enrich, Krisflyer and Asia Miles. The conversion rate for UOB PRVI Miles Elite card holder is 12000UNIRM : 1000 Miles, effectively 0.83 MPR for overseas spend).

We recommend converting UNIRM to Meat Miles (Krisflyer Miles and Asia Miles) for the best value.

Lounge Access

The card provides 8x Lounge Access at Plaza Premium Lounges at many major airports worldwide.

You can view the list of lounges here. Note that you cannot access Plaza Premium First at KLIA with this card.

Payment Network

Despite the word “Elite” in its name, this card is on the World Mastercard tier, not the World Elite Mastercard tier. You get the perks of World Mastercard listed on this website.

Free Ride Home from KLIA T1

The card offers a Complimentary Grab Ride Home program when you complete 3 overseas transactions (online or offline).

You can only redeem twice a month capped at RM80 per redemption, which offsets the cost of a normal Grab ride to Klang valley (plus/minus toll). This is a really useful perk for those who travel home to Klang valley from KLIA T1.

Pro tip: This doesn’t work at KLIA T2. But you can take the KLIA Express from T2 to T1 (cheap and fast), then enjoy the Grab ride home from KLIA T1 instead.

Other Benefits

World Mastercard Perks: You automatically enjoy World Mastercard benefits listed on this website.

Insurance: The card provides decent free insurance with coverage up to RM300,000 for 24-hour overseas personal accidents, overseas medical and travel inconvenience, COVID-19 protection, and purchase protection. View Policy provided by Chubb. We wrote an article to review UOB PME’s insurance here.

Exclusions

We are pleased that the exclusion list is not too punitive, allowing flexibility for big ticket payments such as insurance and medical fees abroad. The list of exclusions can be found in the Terms and Conditions here.

Income Requirement and FD Pledge

This card has an annual income requirement of RM100,000. Alternatively, those who do not meet the income requirement or do not have the required credit background can obtain this card via FD Pledge. The FD Pledge option is not advertised or officially mentioned by the bank, but we have unofficial reports of people getting it with RM30,000 in FD Pledge.

Is the annual fee worth it?

UOB is currently giving 1-year annual fee waiver until 30 June 2025 for new cardholders, which is very generous considering the amount of perks provided.

If you are not eligible for the RM600 annual fee waiver, this card could still be worth your money, which attempt evaluate as follows:

The total value recouped is approximately RM 890, which more than offsets the annual fee of RM 600. However, keep in mind that this is based on Peter’s usage—always calculate based on your own spending habits to determine if it’s worth it for you.

Conclusion

Overall, BolehMiles rates this card as “Boleh”. We highly recommend having this card or the UOB Visa Infinite Card in your miles card portfolio for foreign currency transactions.

If you’re new to UOB and want to support BolehMiles, consider applying for the card through our link here.

See you on the next post!