In the quiet arithmetic of loyalty, United Overseas Bank has shifted the goalposts for its PRVI Miles American Express cardholders in Singapore, raising the annual spend required to unlock a milestone bonus from S$50,000 to S$80,000. The reward itself remains unchanged — 20,000 miles — but the higher threshold dilutes its incremental value by more than a third, from 0.4 to 0.25 miles per dollar. It is a familiar story in the economy of rewards: the terms that once made a promise worthwhile are quietly revised, leaving cardholders to reckon with whether the pursuit still serves them.