Which card has the lower annual fee?

UOB One Card has the lowest annual fee at $192.

Which card earns more on moderate spend?

UOB One Card leads with an estimated $801/yr net annual value on moderate spend.

Which card has the lower income requirement?

UOB One 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.

Side-by-side · honest numbers

UOB One Card vs UOB PRVI Miles Card

Honest side-by-side comparison of UOB One 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.

Card 1

UOB One Card

UOB

Card 2

UOB PRVI Miles Card

UOB

Your adjusted comparison

Feature	UOB One Card UOB	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)	$801/yr	$411/yr
Online shopping	$500 × 10% = $50/mo ($600/yr) · issuer max $100/mo	—
Groceries (offline)	$500 × 5% = $25/mo ($300/yr) · issuer max $100/mo	—
Travel	—	$300 → 420 pts/mo × $0.02/pt = $8.40/mo ($101/yr)
Top reward rate	Up to 10%	1.4 miles/S$1
Primary reward cap	$100 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	$100	—

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

UOB One Card details →UOB PRVI Miles Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, UOB One Card leads UOB PRVI Miles Card by about $390/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

UOB One Card vs UOB PRVI Miles Card comparison table
Feature	UOB One Card UOB	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)	$801/yr	$411/yr
Online shopping	$500 × 10% = $50/mo ($600/yr) · issuer max $100/mo	—
Groceries (offline)	$500 × 5% = $25/mo ($300/yr) · issuer max $100/mo	—
Travel	—	$300 → 420 pts/mo × $0.02/pt = $8.40/mo ($101/yr)
Top reward rate	Up to 10%	1.4 miles/S$1
Primary reward cap	$100 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	$100	—

Frequently asked questions

Which card has the lower annual fee?: UOB One Card has the lowest annual fee at $192.
Which card earns more on moderate spend?: UOB One Card leads with an estimated $801/yr net annual value on moderate spend.
Which card has the lower income requirement?: UOB One 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.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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