UOB Visa Infinite Card

Min. annual incomeRM120,000RM10,000 / month equivalent

Principal annual feeRM600

Card networkVisaConventional card

View with bank ↗← All UOB cards

12 visits / calendar yearAirport Companion by DragonPass + selected Plaza Premium Lounges

BEFORE YOU FLY

Airport lounge access

Card-specific lounge programme

12 visits / calendar year

Airport Companion by DragonPass + selected Plaza Premium Lounges

Use viaAirport Companion by DragonPass; physical card at eligible Malaysia PPG lounges

Qualifying spend & allocation: 12 principal entries annually; no separate minimum lounge spend stated.
Principal / supplementary: Principal card entitlement; supplementary cards do not have independent free entries.
Guests: No complimentary guest entitlement; guest / excess charges follow the registered programme.
Where it works: Selected Asia-Pacific lounges in the Visa Infinite list; not the Metal global entitlement.

Calendar year; current issuer rules checked 3 November 2026. One eligible UOB principal card per visit from 18 August 2026; separate UOB cards cannot be stacked at the same visit.

Entry steps & validity

At eligible Malaysian PPG lounges, present physical card and boarding pass; app is not required. For other participating locations, register the eligible card in Airport Companion and present its QR / membership with boarding pass. Check remaining registered allocation.

Calendar year; current issuer rules checked 3 November 2026. One eligible UOB principal card per visit from 18 August 2026; separate UOB cards cannot be stacked at the same visit.

View eligible lounges ↗App & registration guide ↗

Check the linked card-specific list and your remaining entitlement before travelling. A lounge network logo does not mean every lounge or guest is free; entry remains subject to capacity and local rules.

THE DETAILS

Benefit breakdown

UNIRinggit points

UNIRinggit points
Eligible spending	Earn per RM1	Qualifying condition
Overseas / foreign-currency online transactions	10 UNIRM	MYR / DCC settlement does not receive the overseas multiplier
Eligible local dining	5 UNIRM	At least RM1,000 dining spend per calendar month; otherwise 1X
Other eligible retail	1 UNIRM	Excluded transactions do not earn

International advertising / professional-service transactions such as Google, Facebook, Microsoft, TikTok and Instagram are excluded from the overseas multiplier under the current terms.

Airline miles

Airline miles
Benefit	Details
Airline conversion	12,000 UNIRM = 1,000 Enrich / KrisFlyer / Asia Miles

Fees & charges

Principal annual fee: RM600
Supplementary annual fee: RM300
Annual fee waiver: Annual fee: RM600 principal; RM300 supplementary. Waiver with RM50,000 eligible annual spend before the card anniversary.
Service tax: RM25 per principal / supplementary card, including physical and virtual cards, upon approval and annual renewal.
Retail finance rate: 15% / 17% / 18% p.a. according to prompt-payment history over the preceding 12 months.
Cash advance interest rate: 18% p.a., calculated daily from the cash-release date.
Cash advance fee: 0.37% of withdrawal amount from 1 January 2026, plus prevailing service tax on the fee.
Minimum monthly payment: Higher of 5% of outstanding balance or RM50, plus contracted instalments / automatic balance-conversion repayments and unpaid previous minimum amounts.
Late payment charge: Higher of RM10 or 1% of outstanding balance excluding finance charges and fees; maximum RM100.
Interest-free retail period: 20 days from statement date when the full balance is paid on time; no interest-free period for cash advances or balance transfers.
Overseas conversion: Visa / Mastercard or UOB prevailing conversion rate, plus up to 1.22% network administration charge and 1% UOB mark-up.
Overseas MYR / DCC transactions: Additional 1% UOB fee on the converted MYR amount, on top of the merchant’s currency-conversion pricing.
Replacement card: RM15 per replacement card.

Requirements

Minimum annual income: RM120,000
Principal minimum age: 21 years
Supplementary minimum age: 18 years
Documents: Malaysian salaried: MyKad, latest 3 months’ salary slips and tax / EPF / bank evidence. Self-employed: business registration, tax evidence and latest 6 months’ business bank statements.
Foreign salaried applicants: Passport, latest 2 months’ salary slips, employment letter and work permit valid for at least 1 year; bank assessment applies.

Payment plans

UOB payment facilities

UOB payment facilities
Facility	Minimum / tenure	Pricing / conditions
Merchant Instalment Payment Plan	Participating merchants; available tenures vary	0% only on an eligible merchant offer, selected at purchase.
Easi-Payment Plan	RM500 single purchase or up to 5 unbilled transactions totalling RM500	Current offered interest / tenure at conversion; approval and available limit required.
Balance Transfer Instalment	Minimum RM1,000; up to 80% of credit limit	Quoted flat rate / tenure at application; introductory 0% offers have separate eligibility and dates.

Do not treat a flat instalment rate as an effective annual rate. Instalment repayments form part of the monthly amount due; the PDS states an early-settlement fee of up to 5% of outstanding principal for applicable conversion plans, while balance transfer has no early-termination penalty.

Visa Infinite 0% Easi-Payment offers

Visa Infinite 0% Easi-Payment offers
Spending / facility	Minimum / tenure	Pricing / conditions
Eligible education / medical / luxury purchases	RM10,000 single transaction; 12 months	0% on qualifying approved conversion
Eligible airline / hotel / travel-agent or foreign-currency purchases	RM3,000 single / combined transactions; 3 months	0% on qualifying approved conversion

Current offer runs through 31 December 2026; eligible merchant codes and conversion deadlines apply.

Product features

Airport transfers: 12 rides / year, maximum 1 per calendar month across concierge and Grab combined. RM5,000 eligible spend must include an eligible airline / hotel / travel-agent transaction; booking qualification runs for 30 days from the first qualifying posted transaction. Concierge bookings require at least 3 working days; travel within 90 days of the qualification start. Covered journey up to 70 km; excess costs are payable. Booking campaign ends 31 December 2026 (travel through 31 March 2027). Grab option: Klang Valley → KLIA T1 / T2, VIKLIA, maximum RM120 per ride; link the eligible principal card. Combined programme allocation is 7,000 redemptions, first come first served, for 2026.
Travel protection: Up to RM500,000 travel personal-accident protection when eligible full travel fares are charged; insured persons, exclusions and claim sub-limits follow the policy.
Visa Concierge: Booking assistance is available; third-party travel, shopping and lifestyle costs are not automatically free.
Points redemption: UNIRM are reward points, not cash or airline miles. Redeem through UOB Rewards / eligible UOB TMRW pay-with-points; conversion rates, available partners and minimum redemption blocks vary by card and reward.
Points expiry: UNIRM expire on the last day of the quarter after 3 years from earning. Check the statement’s expiry table / UOB TMRW for the available balance; airline miles follow their own programme rules after transfer.
Reward exclusions: Cash advances, transfers, fees, tax, refunded transactions and other programme-excluded categories do not earn retail rewards. Use the card-specific merchant / currency / posting rules; an excluded transaction may also fail to qualify toward a bonus threshold.

Product disclosure·Card terms·Terms apply

Annual fees exclude applicable tax and transaction charges. Bank approval and current product terms apply.