UOB · Visa Infinite · Miles

UOB Visa Infinite

Good for

Spend abroad. 10X UNIRM per RM1 (0.83 miles), no cap.
12 free lounge visits a year across Asia Pacific, plus up to 12 rides to KLIA when you spend RM5,000 on travel in 30 days.
Local dining earns 5X UNIRM once you spend RM1,000 on dining in the month.

Other local spend earns only 1X UNIRM, about 0.08 miles per RM1.
Lounge visits are for the main cardholder only. Guests and supplementary cardholders pay.
RM600 annual fee unless you spend RM50,000 a year.

UNIRinggit, per RM spent, and the miles they make in Enrich, KrisFlyer or Asia Miles.

Spending	Earns	Details
Spending in a foreign currency	10 points per RM	0.83 miles per RM.
Dining in ringgit	5 points per RM	When you spend RM1,000 or more a month. 0.42 miles per RM.
Spending in ringgit	1 point per RM	0.08 miles per RM.
Petrol, Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers and more	Nothing	Petrol, Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers and Utilities.

Enrich: 12,000 points for 1,000 miles Moved in blocks of 12,000 points.
KrisFlyer: 12,000 points for 1,000 miles Moved in blocks of 12,000 points.
Asia Miles: 12,000 points for 1,000 miles Moved in blocks of 12,000 points.

Airport lounges: 12 free visits a year DragonPass (Airport Companion app), 650 in Asia Pacific lounges. Main cardholder only. Plaza Premium in Malaysia with the card, other lounges through the app. Guests get 50% off at Plaza Premium in Malaysia.
Overseas spending fee: 2.22% Up to 1.22% Visa or Mastercard plus 1% UOB
Paying in ringgit abroad: 1% When a shop abroad charges you in ringgit.

Free. The cover starts once you pay the full fare with this card. For a package tour, at least 80% of its cost.

Travel accident: Up to RM500,000 For accidents on a plane or other public transport paid with the card, including the ride to and from the airport. Children get up to 10% of that.
Travel inconvenience: Flight delay up to RM1,000 Baggage delay up to RM1,000 and lost baggage up to RM2,000. The same limits cover the whole family.
Shopping and fraud cover: Not listed UOB does not list this cover for this card.
Insurer: Liberty General Insurance Berhad Claims go to Liberty, not UOB. Hotline 1800 888 121.

What it costs if you don't pay in full, or use it for cash.

Annual fee: RM600
Extra (supplementary) cards: RM300 a year Free if your combined spend reaches RM50,000 a year. The RM25 service tax still applies each year.
Service tax: RM25 a year per card A government charge on every credit card in Malaysia, billed by the bank.
Interest: 15%, 17% or 18% a year Depends on how many minimum payments you made on time over the last 12 months. None if you pay the full balance by the due date (20 days after your statement).
Minimum monthly payment: 5% of the balance, or RM50 Whichever is higher, plus any instalments and unpaid past minimums.
Late payment: 1% of the balance, RM10 to RM100 Charged when the minimum payment is late.
Cash withdrawal: 0.37% fee Plus 8% service tax on the fee, and 18% a year interest from the day you take it out. No interest-free days.
Replacement card: RM15

Income: RM120,000 a year or more
Age: 21 or older Extra cardholders from 18.
Documents: MyKad copy (both sides)
Employees: latest 3 months' payslips, plus your latest Form B/BE with tax receipt, EPF statement or 3 months' bank statements
Self-employed: business registration form, latest BE form with tax receipt and 6 months of bank statements showing business turnover
Foreigners: passport, latest 2 months' payslips, a work permit valid for at least 1 year and an employment letter
How many payslips you need depends on your job.

Concierge: Visa Concierge Recommendations and reservations. Call 1800 805 574 or WhatsApp +60 1800 805 572.
Card network: Visa Infinite