UOB Visa Infinite Card

Enjoy complimentary airport limousine service, airport lounge access and travel insurance coverage. 5X UNIRM on local dining and 10X UNIRM on overseas spend.

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

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worth RM5499
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Rewards

Earn 10X UNIRinggit for every overseas spend using foreign currencies. Plus, local dining spending earns 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 equals 1,000 air miles.

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 private lounge access at KLIA1 (1X access per day, subject to availability). Additionally, get up to 12x complimentary ride to KLIA/KLIA2 (subject to a minimum spending amount of RM5,000 in 30 days). Book your ride by calling UOB Visa Infinite Concierge or make an instant booking in the Grab app from anywhere in Klang Valley.

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

Balance Transfer

Feeling weighed down by credit card bills? UOB Balance Transfer offers flexible repayment options for both new and existing UOB cardmembers. New cardmembers can enjoy 0% p.a. for 6 months, while existing cardmembers enjoy rates from 3.80% p.a., with tenures of up to 60 months. Transfer a minimum of RM1,000 or up to 80% of your credit/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
12 months3.8% p.a. and no one-time upfront handling feefrom RM1,000
24 months3.8% p.a. and no one-time upfront handling feefrom RM1,000
36 months3.8% p.a. and no one-time upfront handling feefrom RM1,000
48 months3.8% p.a. and no one-time upfront handling feefrom RM1,000
60 months3.8% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about UOB Balance Transfer

Easy Payment Plans

Valid until 31 December 2026, 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, and you can split the payments into a 12-month tenure. For selected Airlines, Hotels or Travel Agent categories, you can split your payments into 6 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
12 months3.99% p.a.and no one-time upfront handling feeRM500
24 months3.99% p.a.and no one-time upfront handling feeRM500
36 months3.99% p.a.and no one-time upfront handling feeRM500
48 months3.99% p.a.and no one-time upfront handling feeRM500
60 months3.99% 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
68 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're a New To Bank customer for the first year (campaign ends 31 December 2026).

    Waived when spend a minimum of RM50,000 per year (effective 1 January 2026)

  • 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, whichever is higher
Cash withdrawal Fee
0.37% of outstanding amount
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
Visa payWave

Requirements

Minimum Annual Income
RM120,000
Minimum Age
  • 21 to 60 years old primary card
Who can apply
  • Anybody

Features

Easy Payment Plan
UOB Easi-Payment Plan
Convert up to 5 big purchases with a minimum of RM500 into affordable monthly instalments. Spend with your UOB Credit Card and enjoy attractive interest rates!
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
Enjoy flexible payment tenures up to 60 months. New card members get 0% p.a. for 6 months, while existing card members enjoy rates from 3.80% p.a.

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 with unlimited benefits that match your exclusive lifestyle.

Collect UNIRinggit reward points with the UOB Visa Infinite Card

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

Understanding that your lifestyle requires you to travel the world, the UOB Visa Infinite Card gives you up to 10X UNIRinggit for every overseas purchase in any foreign currency. You'll also earn UNIRinggit Points 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 earns you 5x UNIRinggit only if you spend RM1,000 or more per month. Otherwise, you'll get 1x UNIRinggit for monthly dining spend below RM1,000.

Annual fee waiver

The annual fee of the UOB Visa Infinite Card is RM600 for the Principal card, and RM300 for the Supplementary card. 

New customers can enjoy a 1-year annual fee waiver when they apply for this card within the campaign period from 1 March 2026 until 31 December 2026. 

Additionally, you can get it waived for subsequent years when you spend RM50,000 or more annually!

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 upgrades, 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 you prefer.

Airport and travel experience

Enjoy endless travel benefits with the UOB Visa Infinite Card, including 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 rides to KLIA/KLIA2 when you spend at least RM5,000 within 30 days with your UOB Visa Infinite Card (terms and conditions apply). Make a ride booking through UOB Visa Infinite Concierge by calling +603 26123399 or emailing [email protected]. Or make an instant booking in the Grab app from anywhere in Klang Valley, with a drop-off set to KLIA Terminal 1 or KLIA Terminal 2, using promo code “VIKLIA”. Link your Grab app to your UOB Visa Infinite Card before using the promo code. Follow the correct steps to redeem your complimentary ride to the airport.
  • 12x complimentary access to participating Plaza Premium Lounges in the Asia Pacific via Airport Companion by DragonPass mobile app (terms and conditions apply)

Note: Complimentary access to airport lounges at KLIA Terminal 2 will no longer be available.

UOB Visa Infinite Card flexible instalment plans

Don't limit your shopping appetite to 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 Category Minimum Conversion Amount Repayment Tenure Validity Period
Education
Medical
Luxury Purchases 		RM10,000 in a single transaction 12-month Until 31 December 2026
Airlines
Hotels
Travel Agents 		RM3,000 in a single/ combined transaction(s) 3-month Until 31 December 2026

What documents should I prepare to apply?

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 3 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 the Business Registration Certificate
  • Latest 6 months' company bank statements
  • Latest B form with an official tax receipt

For foreigners, please prepare the documents below.

Salaried employee:

  • Copy of Passport and
  • Latest 2 months' salary slips**
  • Work permit valid for at least one (1) year at the time of application and
  • Letter of employment

**The number of months of salary slips required will depend on the nature of the applicants' jobs.

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