UOB Visa Infinite credit card

UOB Visa Infinite

The card that caters to your luxury lifestyle – earn extra reward points for overseas purchases, air miles conversion at special rate, complimentary airport lounges accesses, limo rides and many more

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 7.77% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM600.00 annual fee
  • Earn up to 5x reward points 

Apply online now for UOB Visa Infinite

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Because you should be rewarded for giving the bank your business

Earn 5X UNIRinggit Reward Points for every RM1 spent overseas and 1X UNIRinggit Reward Point for every RM1 spent locally.
UNIRinggit Reward Points
5 points on every RM1on overseas purchases
1 point on every RM1all other local retail spends (excluding cash advance, IPP, petrol, payment to government bodies and charity organizations)
Your UNIRinggit Reward Points earned expires in  3 years
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 OverWith Interest Rate AtWhen You Transfer
6 months7.77% p.a. and no one-time upfront handling feefrom RM1000 
12 months7.88% p.a. and no one-time upfront handling feefrom RM1000 
18 months7.99% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about UOB Balance Transfer
Pay OverWith Interest Rate AtWhen You Transfer
6 months3.3% p.a. and no one-time upfront handling feefrom RM1000 
12 months6% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about UOB Fixed-Pay Balance Transfer
Easy Payment Plan (EPP)
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.
Pay OverWith Interest Rate AtWhen You Spend
6 months2% one-time upfront handling feefrom RM500 
12 months3% one-time upfront handling feefrom RM500 
18 months4% one-time upfront handling feefrom RM500 
Learn more about UOB Easi-Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
12 months0% p.a. and no one-time upfront handling feefrom RM1000 
18 months0% p.a. and no one-time upfront handling feefrom RM1000 
24 months0% p.a. and no one-time upfront handling feefrom RM1000 
36 months0% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about UOB Instalment Payment Plan
Redeem Air Miles from your favorite frequent flyer programs with UNIRM Points! Then, start off your cross-border journey with a complimentary travel insurance of RM500,000 when you charge air ticket bills to UOB Visa Infinite.
Travel CoverageSum Insured
Travel InsuranceUp to RM500000
Delayed FlightUp to RM1000
Missed FlightUp to RM1000
Lost LuggageUp to RM2000
Delayed LuggageUp to RM1000
Enter the world of infinite privileges and prestige from golfing to travel and airport experiences. Enjoy year-long complimentary green fees and discounts at selected golf clubs, in addition to 4x free limo rides and airport lounge accesses.

Fees & Charges

There are always fees but how much are they?

Annual Fee
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM20.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods
Visa payWave


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Who can Apply


Get some extra help from your credit card when you need it most

Easy Payment Plan
UOB Easi-Payment Plan
UOB Instalment Payment Plan
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Balance Transfer
UOB Balance Transfer
UOB Fixed-Pay Balance Transfer
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

UOB Visa Infinite review

What's so good (or not so good) about it?

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.

UNIRinggit Reward Points

UNIRinggit Reward Points (UNIRM 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 5 UNIRM Points for every Ringgit spent overseas. 

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 UNIRM Point. 

Plus, you can also double your UNIRM Points every quarter when you meet the minimum purchase requirement as set out for the quarter, subject to first come, first serve 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 store front when you are out shopping because this privilege only applies to participating outlets.

Golf Privileges

Golfing is the sports for the elites, who are chosen to benefit from a host of privileges. With that in mind, you can enjoy perfecting your swing at zero green fee all year long at selected golf clubs in Malaysia. 

If you're taking your business overseas, don't forget to pay a visit or two at 30 participating golf clubs in 8 Asian countries as you are entitled to a 30% discounts on green fee every weekday!

Air Miles Redemption

First of all, when you activated and spent a minimum of RM3,000 on your newly-approved UOB Visa Infinite within 60 days, you will get 3,000 Enrich Miles as a welcome gift, subject to terms and conditions.

After that, just spend your UOB Visa Infinite to earn more UNIRM Points. For every 7,000 UNIRM Points earned, you can redeem 1,000 Enrich Miles. Besides, you can also redeem 1,000 KrisFlyer Miles with 6,500 UNIRM Points earned.

Travel Benefits

Start your journey right from the beginning. First off, charge your full air tickets to UOB Visa Infinite to get a complimentary travel insurance coverage worth RM500,000. 

Then, spend a minimum of RM5,000 per month to enjoy 4x free limo rides to KLIA. Next, skip the crowded departure hall and head over to the Plaza Premium Lounge with a flash of your UOB Visa Infinite, up to 4x times a year.

Upon landed on foreign soil, you will be given 25% off on Immigration Fast Track Services at over 450 international airports. Feeling hungry after touchdown?

Head over to any dining outlets in the airport and get up to 20% dining discounts when you download and use Airport Companion by Dragon Pass mobile application.

After all is said and done, finish off your overseas business or leisure trip with a 20% off airport limo transfers when you book prior to the pickup date.

Flexible Instalment Plans

Don't limit your shopping appetite on local soil. Spending overseas on credit can be made affordable too via a 0% easy payment plan for 3 months when you convert a minimum of RM3,000.

Other than that, an Easi-Payment Plan also charges you 0% when you convert a minimum of RM10,000 in a single transaction on Education, Medical and Luxury Purchases.

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