UOB Visa Infinite Card

Catered to the affluent segment, this card offers lifestyle and travel privileges such as complimentary airport limousine service, airport lounge access and travel insurance coverage. In addition, receive up to 5X for every RM1 spent on local dining and 10X UNIRinggit for every RM1 spent overseas.

UOB Visa Infinite Card10X UNIRM for every RM1 spent overseas
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

Get a FREE
Apple iPhone 16 Pro Max
worth RM5999
when you apply through RinggitPlus *

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Rewards

Get rewarded with 50,000 UNIRinggit as a Welcome Gift when you activate and spend a minimum of RM5,000 within 60 days from the card approval date. Earn 10X UNIRinggit for every overseas spend using foreign currencies. On top of that, local dining spending gets you 5x UNIRinggit points! The accumulated UNIRinggit can then be redeemed for air miles between Enrich Miles, KrisFlyer Miles or Asia Miles. Every 12,000 UNIRinggit is equal to 1,000 air miles each.

UOB UNIRinggit
EarnSpend
10 points on every RM1on overseas spend paid in foreign currencies
5 points on every RM1on local dining spend (minimum of RM1,000 of total dining spend monthly)
1 point on every RM1on local dining spend (less than RM1,000 of total dining spend monthly)
1 point on every RM1on all other local spends (excluding cash advance, IPP, petrol, payment to government bodies and charity organisations)

Travel

Start your airborne journey with complimentary travel insurance of up to RM500,000 when you charge air ticket bills to a UOB Visa Infinite Card. Enjoy 12x complimentary access to selected airport lounges in Asia Pacific that can be accessed via Airport Companion by the DragonPass mobile app, including exclusive access to the private lounge in KLIA1. Additionally, get up to 12x complimentary limo services from KL/PJ to KLIA/KLIA2 (subject to a minimum spending amount of RM5,000 in 30 days). Plus, enjoy access to the UOB Infinite Private Lounge at EmQuartier Bangkok, Thailand, from 11.00 am to 8.00 pm daily, valid until 31 December 2024. Terms apply to all privileges mentioned.

Travel CoverageSum Insured
Travel InsuranceUp to RM500,000
Delayed FlightUp to RM1,000
Missed FlightUp to RM1,000
Lost LuggageUp to RM2,000
Delayed LuggageUp to RM1,000

Premium

Enter the world of infinite perks from travel to airport experiences. Enjoy double the air miles redemption during your birthday month, a 20% off TBR Luxury Airport Transfer Service when you're overseas, and a 25% discount for the Immigration Fast Track Program at over 450 international airports via the airportspeedpass.com - both discounts are valid until 31 December 2024, and advance bookings of at least 72 hours are required. Additionally, get up to RM150 cashback daily on minimum spending of RM2,000 in foreign currencies, valid until 31 December 2024. The cashback you'll earn is capped at RM150 per eligible card per day, subject to a daily pool of RM10,000 allocated on a first-come first-served basis. Enrol by sending "UM1" via SMS to 66300 from your registered mobile number with UOB. All perks are subject to terms and conditions.

Balance Transfer

Are credit card bills hanging heavy over your shoulder? Enjoy 0% and 1% one-time upfront handling fees over 6 months for new and existing UOB credit card holders, respectively, via UOB Balance Transfer. The UOB Balance Transfer Instalment also offers a fixed 1.99% p.a. interest for new cardholders while existing cardholders get as low as 2.99% p.a. interest over 12, 24, 36, 48 and 60 months. These offers are valid until 31 December 2024 with a minimum transfer of RM1,000 or up to 80% of the credit limit/available limit, whichever is lower.

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a.and no one-time upfront handling feefrom RM1,000
6 months0% p.a. and 1%one-time upfront handling feefrom RM1,000
12 months0% p.a. and 4%one-time upfront handling feefrom RM1,000
18 months0% p.a. and 5%one-time upfront handling feefrom RM1,000
Learn more about UOB Balance Transfer
Pay OverWith Interest Rate AtWhen You Transfer
12 months1.99% p.a. and no one-time upfront handling feefrom RM1,000
24 months1.99% p.a. and no one-time upfront handling feefrom RM1,000
36 months1.99% p.a. and no one-time upfront handling feefrom RM1,000
48 months1.99% p.a. and no one-time upfront handling feefrom RM1,000
60 months1.99% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about UOB Balance Transfer Instalment

Easy Payment Plans

Valid until 31 December 2024, enjoy 0% interest on easy payment plans for selected categories. Spend a minimum of RM10,000 in a single transaction on selected Education, Medical or Luxury categories, you can split the payments into a 12-month tenure. For selected Airlines, Hotels or Travel Agent categories, you can split your payments into 3 months, provided you have spent a minimum of RM3,000 in a single/combined transaction(s). Last but not least, convert your retail purchases made at participating merchants with other UOB easy payment plans and enjoy lower interest rates.

UOB Easi-Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
3 months2.99% one-time upfront handling feeRM500
6 months2.99% one-time upfront handling feeRM500
12 months8.15% p.a.and no one-time upfront handling feeRM500
24 months8.15% p.a.and no one-time upfront handling feeRM500
36 months8.15% p.a.and no one-time upfront handling feeRM500
48 months8.15% p.a.and no one-time upfront handling feeRM500
60 months8.15% p.a.and no one-time upfront handling feeRM500
Learn more about UOB Easi-Payment Plan
UOB Instalment Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
12 months0% p.a. and no one-time upfront handling feeRM500
18 months0% p.a. and no one-time upfront handling feeRM500
24 months0% p.a. and no one-time upfront handling feeRM500
36 months0% p.a. and no one-time upfront handling feeRM500
Learn more about UOB Instalment Payment Plan

Fees & Charges

Annual Fee
  • RM600 primary card

    Waived when you spend RM50,000 and above annually. In addition, eligible cardmembers whose application is submitted during the Campaign Period and successfully approved by UOB Malaysia will be entitled to enjoy a 3-year annual fee waiver

  • 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 a UOB credit card and convert a minimum purchase of RM500 into an affordable monthly instalment plan.
UOB Instalment Payment Plan
Shop your desired items from gadgets to retail fashion and others with a UOB 0% Instalment Payment Plan at any participating merchant outlets!
Balance Transfer Plans
UOB Balance Transfer
Get flexible repayments with UOB and enjoy 0% and 1% one-time upfront handling fees over 6 months for new and existing UOB credit cardholders, respectively, valid until 31 December 2024.
UOB Balance Transfer Instalment
With the UOB Balance Transfer Instalment, you pay the same instalments every month for up to 60 months. Manage your mounting credit card debts now and enjoy fixed 1.99% p.a. interest for new cardholders while existing cardholders get as low as 2.99% p.a. interest.

Review

The asking price for luxury is often steep, which is why few can afford it. But for those bold enough you can get a credit card that gives you unlimited benefits commensurate with your exclusive lifestyles.

50,000 UNIRinggit as a welcome gift

Yup, you read it right the first time. Upon getting your UOB Visa Infinite Card approved, you can get rewarded with 50,000 UNIRinggit.

Just make sure to spend a minimum of RM5,000 within 60 days from the card approval date, and the attractive UNIRinggit reward points are yours to keep! Click here to view the T&C.

Collect UNIRinggit reward points with UOB Visa Infinite Card

UNIRinggit is designed to reward you for spending with the UOB Visa Infinite Card. 

Understand that your lifestyle requires you to travel the world, the UOB Visa Infinite Card gives you up to 10X UNIRinggit for every overseas spending made in all foreign currencies. Similar UNIRinggit 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 1X UNIRinggit Point. 

Local dining spending gets you 5x UNIRinggit only if you have a monthly spend of RM1,000 or above. Otherwise, you'll get 1x UNIRinggit for monthly spending lower than RM1,000 for dining.

Annual fee waiver

The annual fee of the UOB Visa Infinite Card is RM600 for the Principal card, and RM300 for the Supplementary card. However, you can get them waived when you spend RM50,000 and above annually!

Note: In addition, eligible cardmembers whose application is submitted during the Campaign Period of the RinggitPlus flash deal and successfully approved by UOB Malaysia will be entitled to enjoy a 3-year annual fee waiver. Check our page to find out more about the flash deal.

Air miles redemption

Collect UNIRinggit Points with every Ringgit spent with a UOB Visa Infinite Card and redeem air miles easily. To redeem free flights or upgrade, just spend on your UOB credit card to collect UNIRinggit. 

For every 12,000 UNIRinggit Points earned, you can redeem 1,000 Enrich Miles, KrisFlyer Miles or Asia Miles; whichever to your liking and preference.

12,000 UNIRinggit1,000 Enrich Miles
12,000 UNIRinggit1,000 KrisFlyer Miles
12,000 UNIRinggit1,000 Asia Miles

Airport and travel experience

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

  • Get complimentary travel insurance coverage worth up to RM500,000 when you charge your air tickets to a UOB Visa Infinite Card (terms and conditions apply)
  • Enjoy 12x free limo rides to KLIA/KLIA2 when you spend a minimum of RM5,000 within 30 days with your UOB Visa Infinite Card (terms and conditions apply)
  • 12x complimentary access to participating Plaza Premium Lounges in the Asia Pacific via Airport Companion by DragonPass mobile app, including exclusive access to the private lounge at KLIA1 (terms and conditions apply)
  • Enjoy a 25% discount on Immigration Fast Track Services at over 450 international airports (terms and conditions apply, valid until 31 December 2024)
  • Enjoy a 20% discount for TBR Luxury Airport Transfer Service when you're overseas (terms and conditions apply, valid until 31 December 2024)
  • Access to the UOB Infinite Private Lounge at EmQuartier Bangkok, Thailand (from 11.00 am to 8.00 pm daily, valid until 31 December 2024)

Up to RM150 cashback daily on foreign currency spending

Valid until 31 December 2024, spend a minimum of RM2,000 in foreign currencies and grab this chance to earn up to RM150 cashback daily!

If you're keen, enrol by sending "UM1" via SMS to 66300 from your registered mobile number with UOB.

Please note that the cashback is capped at RM150 per eligible card per day, subject to a monthly pool of RM10,000, allocated on a first-come-first-serve basis. Click here to view the T&C.

UOB Visa Infinite Card flexible instalment plans

Don't limit your shopping appetite on local soil. The UOB Easi-Payment Plan charges you 0% when you convert a minimum of RM10,000 in a single transaction on a selected Education, Medical or Luxury Purchases category over a 12-month repayment tenure. 

You can also convert a minimum of RM3,000 in a single/combined transaction(s) on selected Airlines, Hotels or Travel Agents categories.

Spend CategoryMinimum Conversion AmountRepayment TenureValidity Period
Education
Medical
Luxury Purchases
RM10,000 in a single transaction12-monthUntil 31 December 2024
Airlines
Hotels
Travel Agents
RM3,000 in a single/ combined transaction(s)3-monthUntil 31 December 2024

What documents should I prepare to make an application?

If you are a salaried employee, please prepare:

  • A copy of your IC (both sides)
  • Latest 3 months' salary slips OR the latest EPF statement
  • Latest 6 months' bank statements
  • Latest BE form with an official tax receipt

If you are self-employed, please prepare:

  • A copy of your IC (both sides)
  • A copy of Form 9, 24 & 49 OR Business Registration Certificate
  • Latest 6 months' company bank statements
  • Latest B form with an official tax receipt
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