Credit Cards Deals

Get 3 mpd on groceries and some online purchases with UOB PRVI Miles Amex

You'll get 3 mpd on up to S$5,000 of online spend in a range of categories, plus contactless grocery purchases, with the UOB PRVI Miles Amex card from now until the end of June

Groceries Promo

UOB has a miles earning deal for holders of its PRVI Miles American Express card running from today (1st April 2020) until the end June 2020, with a 3 miles per dollar earning rate on selected online transactions, plus online or contactless grocery payments at the likes of Cold Storage, Fairprice and Giant.

The offer is subject to spending at least S$2,500 in the eligible spend categories during the 3-month promotion period, and is capped at S$5,000 spend per primary cardholder account.

3mpd Apr 2020 Offer

The deal is good for up to 15,000 miles earned, 8,000 of which are ‘bonus’ miles on top of your regular earn rate, when:

  • Tapping or waving this card at grocery stores in Singapore
  • Buying groceries online in Singapore
  • Making eligible online purchases

The offer

No need to register for this one – if you’re a UOB PRVI Miles American Express cardholder you’re automatically eligible to earn 7.5 UNI$ per whole S$5 spent on these transactions which are successfully charged to your card.

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That’s equivalent to 3 miles per dollar, and comprises:

  • the usual rate of UNI$3.5 per S$5 spend locally (equivalent to 1.4 miles per S$1); and
  • a bonus rate of UNI$4 per S$5 spend (equivalent to 1.6 miles per S$1).


For groceries, you must either make contactless payment at the physical store or online payment through a payment gateway in Singapore, which must be processed by the merchant as an online transaction.

  • Groceries: Grocery stores and supermarkets in Singapore with Merchant Category Code (“MCC”) 5411, with payment in Singapore dollars.

Pro Tip: Don’t worry about earning SMART$ instead of UNI$ at the likes of Giant, Cold Storage and Jasons. UOB’s PRVI Miles Amex card is excluded from that programme, so you’ll earn UNI$ as usual.

There is no formal (publicly available) MCC code database for merchants in Singapore, but we know that the following do fall under the MCC 5411 code:

  • Cold Storage
  • Giant
  • Jasons Marketplace
  • Fairprice
  • Fairprice Finest
  • Fairprice Express
  • Shen Siong
  • AEON Supermarket
Giant Storefront (Giant Singapore).jpg
Contactless payments at Giant are eligible. (Image: Giant Singapore)

Do bear in mind that if you make online or contactless payment with your UOB PRVI Miles Amex card at grocery stores and/or supermarkets which are not classified under MCC 5411, you will not receive any bonus miles.

Selected online transactions

These must be bill payments to the following companies:

  • Geneco by Seraya Energy
  • I Switch Pte Ltd
  • PacificLight Energy Pte Ltd
  • Senoko Energy Pte Ltd
  • Sembcorp Power Pte Ltd
  • SP Services
  • SP Digital Pte Ltd
  • Singtel, M1 or Starhub
  • Netflix or Spotify subscriptions

or online payments to merchants with any one of the following MCCs:

Category MCC
Department Stores and Retail Stores 4816, 5306, 5309, 5310, 5311, 5331, 5399, 5611, 5621, 5631, 5641, 5651, 5661, 5691, 5699, 5732, 5733, 5734, 5735, 5912, 5942, 5944, 5945, 5946, 5947, 5948, 5949, 5964, 5965, 5966, 5967, 5968, 5969, 5970, 5992, 5999
Supermarkets, Dining and Food Delivery 5811, 5333, 5411, 5441, 5462, 5499, 8012, 9751
Entertainment and Ticketing 7278, 7832, 7841, 7922, 7991, 7996, 7998, 7999
Transport 4111, 4121, 4789

PRVI Amex Dining Transactions are also eligible for the enhanced earn rate provided they are completed online at food and beverage establishments in Singapore (as may be
determined by UOB) with MCC 5812 or MCC 5814.

Qualifying spend on any supplementary cards does count for the promotion, but the upper cap of S$5,000 spend applies per principal cardholder.

In other words your supplementary cardholders can assist you with the promotion, but don’t get a dedicated cap of their own.

When does the bonus credit?

Initially these transactions will earn at the regular earn rate, equivalent to 1.4 miles per S$1 spent.

The bonus miles, paid as UNI$, will be credited to your account by 31st August 2020. That’s a 2-month wait after the promotion has ended for the additional miles to arrive, so hopefully you don’t need them in a hurry.



Full terms and conditions for the deal can be found on the UOB website here. Do read those carefully as there is a list of excluded transactions.


Most of us have a decent spend on groceries each month, especially in the current coronavirus situation it’s good to see those additional online grocery orders included.

There are plenty of other online categories too including bill payments, food delivery and online transactions at department stores, so it shouldn’t be too difficult to reach the S$2,500 minimum spend to qualify for this bonus offer.

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1 comment

  1. Dear Andrew,
    I was reading the terms and condition of the promotion. The title states “UOB PRVI Miles American Express® Card and UOB Preferred Platinum American Express® Card – Up to 3 miles per S$1 Spend Campaign (the “Promotion”) Terms and Conditions (the “Terms”). It should work for both cards? Anyone can help verify?

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