UOB Visa Infinite Metal Card
Metal card — unlimited lounge + RM1m travel insurance
Apply for UOB Visa Infinite Metal Card →Last updated 21 September 2026 · Reviewed by Raymond, Rates.my
UOB Visa Infinite Metal Card overview
The UOB Bank UOB Visa Infinite Metal Card is a Infinite-tier Visa miles card built around air miles. Metal card — unlimited lounge + RM1m travel insurance. It best suits high-income earners, with a minimum income requirement of RM150,000 a year. It has an annual fee of RM3000 (includes 300,000 unirm annual bonus). Standout perks include airport lounge access, complimentary travel insurance.
Features & benefits
- ✓10x UNIRM per RM1 spent overseas
- ✓5x UNIRM per RM1 spent on dining (min. RM1,000/mo)
- ✓Unlimited lounge access for you + 1 guest
- ✓Unlimited limousine to KLIA + Visa Concierge
- ✓300,000 UNIRM annual bonus (~60,000 air miles at this card's 5,000:1,000 ratio)
- ✓By invitation only
Is the UOB Visa Infinite Metal Card worth it?
The UOB Visa Infinite Metal Card is best suited to high-income earners — its minimum income requirement is RM150,000 a year (about RM12,500 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 (includes 300,000 unirm annual bonus)
- +Complimentary airport lounge access
- +Complimentary travel insurance
- +Broad range of benefits and perks
- −RM3000 annual fee unless the waiver condition is met
- −Higher income requirement — RM150k 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 Metal Card, in plain language — so nobody gets caught out. Always confirm against the official terms.
- 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.
- 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.
- 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.
- 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)).
- ⚠Settling overseas spend in MYR via DCC drops 10X to 1X UNIRM — pay in local currency to keep the bonus rate.
- ⚠Advertising/professional-services spend on Google, Facebook, Microsoft, TikTok, Instagram and similar platforms doesn't earn the 10X overseas multiplier even when billed overseas.
- ⚠This card is carved out of UOB's usual spend-to-waive-fee privilege — only the fixed 300,000 UNIRM annual bonus offsets the RM3,000 fee, no spend threshold applies.
- ⚠Card replacement fee is RM500, vs RM15 on other UOB credit cards (general PDS).
- ⚠From 1 Sep 2026, LOCAL (Malaysia) Plaza Premium Lounge access no longer needs DragonPass app registration — present the physical card + boarding pass instead. Only 1 eligible UOB card may be used per lounge visit, even with multiple eligible cards. Overseas lounge access rules are unconfirmed.
Verified 28 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 Metal Cardterms & product disclosure →UOB Visa Infinite Metal Card FAQ
You need a minimum annual income of RM150,000 (about RM12,500 a month). UOB Bank also considers your overall credit standing.
The annual fee is RM3000, but it can be waived: includes 300,000 unirm annual bonus.
It earns air miles. Metal card — unlimited lounge + RM1m travel insurance.
No — the UOB Visa Infinite Metal 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 "Metal card — unlimited lounge + RM1m travel insurance". Weigh the RM3000 annual fee against how much you'll earn back. Compare it with the related cards below before applying.
See how the UOB Visa Infinite Metal Card compares
This card features in our ranked shortlists — compare it against the best in each category:
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.