Side-by-side · honest numbers
OCBC 365 Credit Card vs UOB PRVI Miles Card
Honest side-by-side comparison of OCBC 365 Credit Card, UOB PRVI Miles Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
Same spend profile for all cards. How we calculate net annual value
Customize your spend
Change spend profile or swap cards — results update live below.
Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
OCBC 365 Credit Card
OCBC
UOB PRVI Miles Card
UOB
Your adjusted comparison
| Feature | OCBC 365 Credit Card OCBC | UOB PRVI Miles Card UOB |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | $192 | $256 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | $30,000/mo | $80,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | $696/yr | $411/yr |
| Online shopping | $500 × 3% = $15/mo ($180/yr) | — |
| Groceries (offline) | $500 × 6% = $30/mo ($360/yr) · issuer max $80/mo | — |
| Dining & delivery | $300 × 6% = $18/mo ($216/yr) · issuer max $80/mo | — |
| Fuel | $200 × 6% = $12/mo ($144/yr) · issuer max $80/mo | — |
| Travel | — | $300 → 420 pts/mo × $0.02/pt = $8.40/mo ($101/yr) |
| Top reward rate | 6% | 1.4 miles/S$1 |
| Primary reward cap | $80 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | Complimentary lounge access at select airports · No minimum spend required for lounge access |
| Key exclusions | Insurance · Government payments · Balance transfers | Insurance · Government payments · Balance transfers |
| Bonuses | ||
| Signup bonus | — | — |
Stack mode (hold both)
Holding both may not beat using only the better solo card on this spend.
Share this comparison
https://cardhungry.com/sg/en/compare/ocbc-365-vs-uob-prvi-miles-sgReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, OCBC 365 Credit Card leads UOB PRVI Miles Card by about $285/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · $2,400/mo
$2,400/month total spend — typical Singapore user
Groceries $500 · Online $500 · Dining $300 · Travel $300 · Other $300
| Feature | OCBC 365 Credit Card OCBC | UOB PRVI Miles Card UOB |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | $192 | $256 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | $30,000/mo | $80,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | $696/yr | $411/yr |
| Online shopping | $500 × 3% = $15/mo ($180/yr) | — |
| Groceries (offline) | $500 × 6% = $30/mo ($360/yr) · issuer max $80/mo | — |
| Dining & delivery | $300 × 6% = $18/mo ($216/yr) · issuer max $80/mo | — |
| Fuel | $200 × 6% = $12/mo ($144/yr) · issuer max $80/mo | — |
| Travel | — | $300 → 420 pts/mo × $0.02/pt = $8.40/mo ($101/yr) |
| Top reward rate | 6% | 1.4 miles/S$1 |
| Primary reward cap | $80 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | Complimentary lounge access at select airports · No minimum spend required for lounge access |
| Key exclusions | Insurance · Government payments · Balance transfers | Insurance · Government payments · Balance transfers |
| Bonuses | ||
| Signup bonus | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- OCBC 365 Credit Card has the lowest annual fee at $192.
- Which card earns more on moderate spend?
- OCBC 365 Credit Card leads with an estimated $696/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- OCBC 365 Credit Card lists a minimum monthly income of $30,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
More OCBC 365 Credit Card comparisons
- OCBC 365 Credit Card vs Citi Cash Back Card
- OCBC 365 Credit Card vs Citi PremierMiles Card
- OCBC 365 Credit Card vs DBS Altitude Visa
- OCBC 365 Credit Card vs DBS Live Fresh Card
- OCBC 365 Credit Card vs HSBC Advance Credit Card
- OCBC 365 Credit Card vs HSBC Revolution Credit Card
- OCBC 365 Credit Card vs Maybank Family & Friends Card
- OCBC 365 Credit Card vs OCBC 90°N Card
- OCBC 365 Credit Card vs OCBC Titanium Rewards Card
- OCBC 365 Credit Card vs POSB Everyday Card
- OCBC 365 Credit Card vs SC Journey Credit Card
- OCBC 365 Credit Card vs SC Smart Credit Card