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OCBC Titanium Rewards Card vs UOB PRVI Miles Card

Honest side-by-side comparison of OCBC Titanium Rewards 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 Titanium Rewards Card

OCBC

UOB PRVI Miles Card

UOB

Your adjusted comparison

Feature
OCBC Titanium Rewards Card credit card

OCBC Titanium Rewards Card

OCBC

UOB PRVI Miles Card credit card

UOB PRVI Miles Card

UOB

Fees & eligibility
Annual fee$194$256
Fee waiver thresholdNo waiver publishedNo waiver published
Min income$30,000/mo$80,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-$50/yr$411/yr
Online shopping$120 → 1,200 pts/mo × $0.00/pt = $4.80/mo ($58/yr) · cap reached—
Travel$300 → 1,200 pts/mo × $0.00/pt = $4.80/mo ($58/yr)$300 → 420 pts/mo × $0.02/pt = $8.40/mo ($101/yr)
Top reward rate10X OCBC$1.4 miles/S$1
Primary reward cap$120 eligible spend/moNo monthly cap published
Perks & restrictions
Lounge accessNoneComplimentary lounge access at select airports · No minimum spend required for lounge access
Key exclusionsInsurance · Government payments · Balance transfersInsurance · 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.

OCBC Titanium Rewards Card details →UOB PRVI Miles Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, UOB PRVI Miles Card leads OCBC Titanium Rewards Card by about $461/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

OCBC Titanium Rewards Card vs UOB PRVI Miles Card comparison table
FeatureOCBC Titanium Rewards Card

OCBC

UOB PRVI Miles Card

UOB

Fees & eligibility
Annual fee$194$256
Fee waiver thresholdNo waiver publishedNo waiver published
Min income$30,000/mo$80,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-$50/yr$411/yr
Online shopping$120 → 1,200 pts/mo × $0.00/pt = $4.80/mo ($58/yr) · cap reached—
Travel$300 → 1,200 pts/mo × $0.00/pt = $4.80/mo ($58/yr)$300 → 420 pts/mo × $0.02/pt = $8.40/mo ($101/yr)
Top reward rate10X OCBC$1.4 miles/S$1
Primary reward cap$120 eligible spend/moNo monthly cap published
Perks & restrictions
Lounge accessNoneComplimentary lounge access at select airports · No minimum spend required for lounge access
Key exclusionsInsurance · Government payments · Balance transfersInsurance · Government payments · Balance transfers
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
OCBC Titanium Rewards Card has the lowest annual fee at $194.
Which card earns more on moderate spend?
UOB PRVI Miles Card leads with an estimated $411/yr net annual value on moderate spend.
Which card has the lower income requirement?
OCBC Titanium Rewards 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.

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