Compare Credit Cards Side by Side
Up to four cards, every field, one clear table — cashback rate, monthly cap, annual fee, income requirement, perks, promos and the fine print. Currently comparing UOB Visa Infinite Metal Card and Maybank 2 Gold Cards; change or add cards below, or tick + Compare on any card across the site to build your own line-up.
| Feature | UOB Visa Infinite Metal CardUOB Bank | Maybank 2 Gold CardsMaybank |
|---|---|---|
| Reward type | Miles | Cashback |
| Cashback rate | — | 5% |
| Cashback categories | — | Best Entry Cashback |
| Monthly cap | None / — | RM50/mo |
| Points per RM1 | — | — |
| Miles per RM1 | 0.2 | — |
| Annual fee | RM3,000 | Free for life |
| Fee waiver | Includes 300,000 UNIRM annual bonus | Free for life |
| Min income | RM150,000/yr | RM30,000/yr |
| Network | Visa | Visa |
| Tier | Infinite | Gold |
| Lounge access | ✓ Yes | — No |
| Travel insurance | ✓ Yes | — No |
| Islamic | — No | — No |
| Sign-up promo | — | — |
| 🔎 What's excluded | UNIRM exclusions per the T&C (Clause 1(G)): Balance Transfers, Easi-Payment/Flexi-Credit/0% Instalment Plans, refunded/disputed/unauthorised/fraudulent transactions, cash withdrawals, alimony/child support, court fines, bail/bond, tax and other government payments, petrol, transportation, utilities, JomPAY, charity, and annual fee/interest/late-charge/SST payments. Clause 1(D)(c) also excludes professional/advertising services on platforms like Google, Facebook, Microsoft, TikTok and Instagram from the 10X overseas multiplier, even when billed overseas. | No cashback on government-body payments, JomPAY, FPX and MyCdd transactions or e-wallet reloads; EzyCash, EzyPay Plus, Cash Treats, cash advance and balance transfers are also excluded. |
| 🔎 Min spend to earn | No spend gate on the 10X overseas rate. The 5X dining rate (MCC 5811/5812/5813/5814) requires ≥RM1,000 total dining spend in the calendar month (T&C Clause 1(E)) — below that, dining drops to 1X. | None — any weekend spend on the Amex card earns 5%, subject to the monthly cap |
| 🔎 How the cap works | No numeric cap on the 10X overseas / 5X dining earn rates in the T&C. The 300,000 UNIRM annual bonus (Clause 1(A)) is fixed, credited within 6 weeks of the annual fee payment, for cards approved/renewed 1 Jan 2025–31 Dec 2026. Unlike most UOB cards, this card's annual fee is NOT waived by an annual-spend threshold — the general UOB Credit/Commercial Card PDS explicitly states the usual spend-waiver privilege "is not applicable for UOB Visa Infinite Metal Card and UOB Zenith Card"; the fee is offset only by the fixed UNIRM bonus. | 5% weekend cashback capped at RM50 per principal cardmember per month, credited on the 1st of the following month; amounts under RM1.00 are not paid out. |
| 🔎 Foreign transaction fee | Per UOB's general Credit Card/Commercial Card PDS (valid as at Jan 2026, names this card by row): up to 1.22% Visa International administration charge plus a 1.00% UOB foreign-exchange conversion markup. Paying in MYR overseas via Dynamic Currency Conversion adds a further 1% AND drops the rate from 10X to 1X UNIRM (T&C Clause 1(D)(b)). | Converted at the Amex/Visa/Mastercard rate plus a 1% Maybank charge |
Comparing cards — FAQ
Pick a card in each dropdown above and the table shows both side by side — reward type, cashback rate, monthly cap, annual fee, income requirement, network, perks, current promo and any verified fine print. The better value on each objectively-comparable row is highlighted. Your selection is saved in the page link, so you can share the exact comparison.
Both. A high rate with a low monthly cap can earn less than a moderate rate with a generous cap. That's why the table shows the rate and the cap side by side, and our cashback calculator combines them with your actual spend to find the true winner.
Fine-print rows (exclusions, minimum spend, cap mechanics, foreign-transaction fee) appear as they're verified for each card from the official Product Disclosure Sheet. Where a row is blank, check the card's page and the bank's official terms. We never guess these details.
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