Explained | UOB PRVI Miles Elite 2.4 MPR on Agoda

I know many Refined Points readers have been waiting patiently for this analysis, and I appreciate your patience. I held off on publishing this until I could confirm every mechanic down to the fine print.

This article also comes right on the heels of a recent update to Agoda's Mastercard promotion, which now imposes a USD 50 cap on the total discount per booking. While this brings it closer in line with Visa's similar Agoda offer, Mastercard still wins out due to its much higher cap—making it the more attractive option for larger stays.

To recap, the UOB PRVI Miles Elite Mastercard stands out for offering up to 2.4 miles per ringgit (MPR) when booking hotels via UOB's dedicated link, provided you pay in one of four currencies: SGD, IDR, THB, or VND. Bookings in other foreign currencies via that same link earn 2.25 MPR, and Malaysian ringgit spend earns 1.5 MPR.

In contrast, Agoda’s separate 15%-off Mastercard promotion provides an instant price discount but reduces your earn rate to just 1 MPR for those four currencies. Importantly, these two offers cannot be stacked—you’ll need to pick between a cheaper room price or a higher miles earning rate.

Promotion Details: How It Works

Here’s how the two Agoda options stack up:

Option A: Mastercard 15% Off:

• Booking must be made via a public Agoda link using a Mastercard promo code.

• Earns 1 MPR for these four currencies: SGD, IDR, THB, or VND.

• Other foreign currencies earn 0.83 MPR, while Malaysian ringgit spend earns a mere 0.08 MPR.

• 15% off the hotel price, but no boost in miles.

Option B: UOB PRVI Miles Elite Agoda Link:

• Booking must be made via UOB’s dedicated Agoda link.

• 2.4 MPR on SGD, IDR, THB, or VND.

• 2.25 MPR on other foreign currencies.

• 1.5 MPR on Malaysian ringgit.

• Cannot stack with the 15% discount.

Because room types and benefits are identical, the only difference between the two options is cost vs. mileage return.

Side-by-Side Comparison Examples

To illustrate the trade-offs clearly, we’ve analyzed four real hotel bookings across various dates. The prices are shown in ringgit, after conversion from SGD. We then calculate how many extra miles you’d earn by using the dedicated link and how much additional value those miles are worth, based on a valuation of RM 0.07 per mile.

For avoidance of doubt, the miles are based on KrisFlyer miles value. It would be completely ridiculous to calculate based on Enrich Miles, given that these are worth close to nothing these days, but it's worth noting that a similar comparison can be used if you generally intend to convert to Asia Miles.

How to read this table:

• “Extra Cost” is the premium you pay by choosing the dedicated link instead of the discounted rate.

• “Extra Miles” is how many more miles you earn with the dedicated link.

• “Value of Miles” translates those miles into ringgit, using RM 0.07 per mile.

• “Net Gain” is the value of the extra miles minus the extra cost. A positive number means it’s worth paying more.

Final Thoughts

As you can see, every booking example shows a net gain from using the UOB PRVI Miles Elite Agoda link—even though it may cost more upfront. That’s because the value of the extra miles earned outweighs the additional price you pay, especially when miles are used for premium cabin redemptions. For serious mileage collectors, the 2.4 MPR rate offers a clear edge.

However, for those who aren’t actively chasing airline miles, the better strategy is simple: use the 15% Mastercard discount and pay in the same currency as the hotel (e.g., SGD for a Singapore hotel). You’ll still earn 1 MPR, and the upfront savings often make it the smarter move.

A word of caution about Agoda’s "Pay Later" option:

As stated in Agoda’s terms and conditions, selecting “Pay Later” can lead to an unexpected 5% surcharge at the time of actual payment—especially if your card is issued in a different currency or location. The final amount you pay may also vary depending on exchange rate fluctuations between the booking and charge dates.

To avoid this uncertainty, Refined Points strongly recommends paying upfront (“Pay Now”) and in the same currency as the hotel.

This ensures transparency, avoids unnecessary surcharges, and keeps your cost structure predictable—especially if you’re valuing your bookings against mile accruals.

Whether you’re maximizing value through airline miles or simply securing the best deal with a discount, knowing how these mechanics work lets you make smarter choices on Agoda.