UOB Visa Infinite

Offering infinite travel experiences such as complimentary airport rides, airport lounge access, travel insurance, and air miles redemption as well!

Up to 8x UNIRinggit for overseas spend

Min. Income: RM10,000_/month
Annual Fee: Free*
Balance Transfer: From 0% p.a.
Easy Payment Plan: From 0% p.a.
Interest Rate: 15% p.a.
Interest-free: 20 days

Hear from our users

Find out how Malaysians start making smart financial decisions with us

Rewards

Earn up to 8X UNIRinggit Reward Points for every RM1 spent overseas, 5X UNIRinggit Reward Points on dining, and 1X UNIRinggit Reward Point for every RM1 spent locally.

UNIRinggit Reward Points
Earn	Spend
8 points on every RM -	on overseas purchases paid in Singapore Dollar, Thai Baht, and Japanese Yen
5 points on every RM1	on overseas purchases paid in other foreign currencies
5 points on every RM1	on dining
1 point on every RM1	all other local retail spends (excluding cash advance, IPP, petrol, payment to government bodies and charity organizations)

Travel

Start off your airborne journey with complimentary travel insurance when you charge air ticket bills to UOB Visa Infinite. Enjoy 4x complimentary airport lounge accesses in Asia Pacific and up to 20% discount at over 200 airport dining outlets (via Dragon Pass mobile app).

Travel Coverage	Sum Insured
Travel Insurance	Up to RM500,000
Delayed Flight	Up to RM1,000
Missed Flight	Up to RM1,000
Lost Luggage	Up to RM2,000
Delayed Luggage	Up to RM1,000

Premium

Enter the world of infinite privileges and prestige from travel to airport experiences. Enjoy 4x free limo rides, and relax in UOB Infinite Private Lounge at EmQuartier, Bangkok after your shopping spree.

Balance Transfer

Enjoy low interest rates and flexible tenures up to 18 months when you transfer a minimum of RM1,000 credit card outstanding balance to UOB Visa Infinite.

Pay Over	With Interest Rate At	When You Transfer
6 months	0% p.a. and 3%one-time upfront handling fee	from RM1,000
12 months	0% p.a. and 4%one-time upfront handling fee	from RM1,000
18 months	0% p.a. and 5%one-time upfront handling fee	from RM1,000

Learn more about UOB Balance Transfer

Pay Over	With Interest Rate At	When You Transfer
6 months	3.3% p.a. and no one-time upfront handling fee	from RM1,000
12 months	6% p.a. and no one-time upfront handling fee	from RM1,000

Learn more about UOB Fixed-Pay Balance Transfer

Easy Payment Plans

Convert a minimum of RM10,000 in a single transaction on Education, Medical and Luxury Purchases to an Easi-Payment Plan to enjoy 0% upfront interest on selected tenure.

UOB Easi-Payment Plan
Pay Over	With Interest Rate At	When You Spend
6 months	2.99% one-time upfront handling fee	RM500
12 months	3.99% one-time upfront handling fee	RM500
18 months	4.99% one-time upfront handling fee	RM500
24 months	5.99% one-time upfront handling fee	RM2,000
36 months	6.99% one-time upfront handling fee	RM2,000

Learn more about UOB Easi-Payment Plan

UOB Instalment Payment Plan
Pay Over	With Interest Rate At	When You Spend
12 months	0% p.a. and no one-time upfront handling fee	RM1,000
18 months	0% p.a. and no one-time upfront handling fee	RM1,000
24 months	0% p.a. and no one-time upfront handling fee	RM1,000
36 months	0% p.a. and no one-time upfront handling fee	RM1,000

Learn more about UOB Instalment Payment Plan

Fees & Charges

Annual Fee

RM600 primary card
Waived when you spend RM50,000 in a year
RM300 supplementary card

Sales and Service Tax

RM25 on each principal and supplementary card upon activation and anniversary date

Minimum Monthly Payment

RM50 or 5% of outstanding amount, whichever is higher

Late Payment Fee

RM10 or 1% of outstanding amount, up to a maximum of RM100

Cash withdrawal fee

RM20 or 5% of withdrawn amount, whichever is higher

Interest Rate on Cash Withdrawals

18%

Contact-less Payment Methods

Visa payWave

Requirements

Minimum Annual Income

RM120,000

Minimum Age

21 years old primary card

Who can apply

Anybody

Features

Easy Payment Plan
UOB Easi-Payment Plan: Longing for a brand new item this year? Spend with UOB credit card and convert minimum purchase of RM500 into an affordable monthly instalment plan.
UOB Instalment Payment Plan: Shop your desired items with UOB 0% Instalment Payment Plan when you shop at any UOB 0% IPP merchant outlets!
Balance Transfer Plans
UOB Balance Transfer: Enjoy flexible repayments with UOB. With a minimum payment of 5% of the outstanding amount each month you call the shots as you pay off your debts.
UOB Fixed-Pay Balance Transfer: With UOB Fixed-Pay Balance Transfer you pay the same installments every month for 6 or 12 months. Manage your mounting credit card debts now!

Review

The asking price for luxury is often steep, which is why few can actually afford it.

But for those bold enough you can get a credit card that gives you unlimited benefits to commensurate with your exclusive lifestyles.

Collect UNIRinggit Reward Points with UOB Visa Infinite

UNIRinggit Reward Points is designed to reward you for spending with UOB Visa Infinite.

Understand that your lifestyles require you to travel the world, UOB Visa Infinite gives you up to 8X UNIRinggit for every Ringgit spent overseas.

That's not all, you can get 5X UNIRinggit Reward Points when you dine at your favourite restaurant too.

Similar UNIRM Points will be credited to you when you purchase items online in foreign currency. Any other qualified transactions made outside of these categories earn you 1 UNIRinggit Point.

Plus, you can also double your UNIRinggit Points every quarter when you meet the minimum purchase requirement as set out for the quarter, subject to first-come, first served basis only.

SMART$ Rebates

With the SMART$ Programme, you can offset your future payment with SMART Dollar.

Designed to simulate the value of hard cash, every RM1 charged to your UOB Visa Infinite, you earn 1 SMART$ Rebate.

So, if you have 100 SMART Dollar, you can use that value to pay or top up your next purchase.

Watch out for merchants with the SMART$ logo at their storefront when you are out shopping because this privilege only applies to the participating outlets.

Air Miles Redemption

Collect UNIRinggit Points with every Ringgit spent with UOB Visa Infinite and redeem air miles easily.

When you activate and spend RM3,000 within 60 days from the card approval date, you receive 3,000 Enrich Miles as a welcome gift.

To redeem free flights or upgrade, just spend on your UOB credit card to collect UNIRinggit.

For every 7,000 UNIRinggit Points earned, you can redeem 1,000 Enrich Miles. Besides, you can also redeem 1,000 KrisFlyer Miles with 6,500 UNIRinggit Points earned.

Airport and Travel Experience

Enjoy infinite travel benefits with UOB Visa Infinite, ranging from airport lounge access, airport rides, immigration fast track, airport dining and air miles!

Get a complimentary travel insurance coverage worth RM500,000 when you charge your air tickets to UOB Visa Infinite
Enjoy 4x free limo rides to KLIA when you spend a minimum of RM5,000 with your UOB Visa Infinite
Up to 4x complimentary access to the Plaza Premium Lounge in the Asia Pacific
Enjoy 25% discount on Immigration Fast Track Services at over 450 international airports
Up to 20% dining discounts when you download and use Airport Companion by Dragon Pass mobile application

Click here to see the list of available airport lounges