UOB Visa Infinite Card
10x UNIRM per RM1 overseas spend (≈0.83 miles/RM1)
Last updated 21 September 2026 · Reviewed by Raymond, Rates.my
UOB Visa Infinite Card overview
The UOB Bank UOB Visa Infinite Card is a Infinite-tier Visa miles card built around air miles. 10x UNIRM per RM1 overseas spend (≈0.83 miles/RM1). It best suits high-income earners, with a minimum income requirement of RM120,000 a year. It has an annual fee of RM600 (waived with min. rm50,000/yr spend). Standout perks include airport lounge access, complimentary travel insurance.
Features & benefits
- ✓10x UNIRM per RM1 on overseas FX spend (≈0.83 air miles per RM1)
- ✓5x UNIRM on local dining (min RM1,000/mo spend); 1x on other local spend
- ✓12,000 UNIRM converts to 1,000 Enrich, KrisFlyer or Asia Miles
- ✓12 complimentary airport lounge visits/yr
- ✓Annual fee waived with min. RM50,000/yr spend
Is the UOB Visa Infinite Card worth it?
The UOB Visa Infinite Card is best suited to high-income earners — its minimum income requirement is RM120,000 a year (about RM10,000 a month). As a miles card, it works best for frequent flyers who will convert spending into air miles and redeem them for flights or upgrades.
- +Annual fee waivable (waived with min. rm50,000/yr spend)
- +Complimentary airport lounge access
- +Complimentary travel insurance
- −RM600 annual fee unless the waiver condition is met
- −Higher income requirement — RM120k a year
- −Rewards only pay off if you actively redeem your points or miles
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
Eligibility & how to apply
Requirements are general guidance — UOB Bank sets the final approval criteria. Confirm current terms before you apply.
The fine print, decoded
The catches most people miss on the UOB Visa Infinite Card, in plain language — so nobody gets caught out. Always confirm against the official terms.
- What's excluded
- No UNIRM on: balance transfers, Easi-Payment/0%-instalment/Flexi-Credit plans, refunded/disputed/fraudulent transactions, CreditShield premiums, cash withdrawals, alimony/child support, court/government fines, bail/bond, tax payments, payments to government departments, petrol, transportation, utilities, JomPAY, charity/religious payments, and fees/interest/SST charged to the card. Overseas spend settled in MYR (DCC) earns only the base 1x, not the 10x overseas rate; professional/advertising services on platforms like Google, Facebook, Microsoft, TikTok and Instagram are also excluded from the 10x overseas rate.
- How the cap works
- 10x UNIRM on overseas spend has no stated cap. 5x UNIRM on Dining (MCC 5811/5812/5813/5814) requires ≥RM1,000 dining spend that calendar month — below that threshold dining earns only the base 1x. All other spend earns 1x UNIRM per RM1.
- Foreign transaction fee
- 1% UOB foreign-exchange conversion markup on the converted Ringgit Malaysia amount, plus a Visa/Mastercard International administration charge of up to 1.22% — per UOB Malaysia's general Credit Card/Commercial Card PDS (same bank-wide schedule cited on the Simple Card and ONE Card entries above); not card-specific but not found to differ for this card.
- Fee waiver
- Annual fee (RM600 principal / RM300 supplementary) waived with a minimum of RM50,000 Annual Retail Spend — per the card's own Terms and Conditions (effective 18 May 2026). A separate limited-time welcome offer (see CARD_PROMOS) adds a 1-year fee waiver for new applicants; that promo waiver is distinct from this recurring spend-based waiver.
- ⚠The card's own T&C (18 May 2026) states the RM50,000/yr spend waiver threshold — this is NOT the same as the RM120,000/yr minimum income eligibility requirement; a feature bullet on this site previously conflated the two and has been corrected in this pass.
- ⚠Airport limo transfers (12/yr) need a separate RM5,000 spend within 30 days to unlock, on top of the annual fee waiver's RM50,000/yr threshold.
Verified 18 August 2026. Summarised in our own words from UOB Bank's published terms — indicative only, and terms change. Read the official document before you apply.
📄 Official UOB Visa Infinite Cardterms & product disclosure →UOB Visa Infinite Card FAQ
You need a minimum annual income of RM120,000 (about RM10,000 a month). UOB Bank also considers your overall credit standing.
The annual fee is RM600, but it can be waived: waived with min. rm50,000/yr spend.
It earns air miles. 10x UNIRM per RM1 overseas spend (≈0.83 miles/RM1).
No — the UOB Visa Infinite Card is a conventional credit card. Check with UOB Bank for any Islamic (card-i) equivalent.
It's a good fit for high-income earners who want air miles — its main draw is "10x UNIRM per RM1 overseas spend (≈0.83 miles/RM1)". Weigh the RM600 annual fee against how much you'll earn back. Compare it with the related cards below before applying.
See how the UOB Visa Infinite Card compares
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Rates, fees and promotions are indicative and time-limited — always confirm current terms with UOB Bank before applying. Not financial advice. Rates.my is an independent comparison site, not affiliated with or endorsed by UOB Bank; card names and logos belong to their respective owners. Spotted an error or need a correction or takedown? Contact Raymond at raymond@rates.my.