UOB Visa Infinite Review (2026): Still Worth It?
Updated: Aug 9
Originally published: 4 October 2024 | Last updated: 9 August 2026
Refined Points Recommendation: Recommended — with conditions
The UOB Visa Infinite has changed considerably since I first reviewed the card in October 2024.
What was once a relatively straightforward premium travel card has since gone through multiple rounds of changes affecting everything from annual-fee waivers and airport lounge access to the types of transactions that qualify for accelerated UNIRM earnings.
Yet somewhat surprisingly, my overall view of the card hasn't deteriorated nearly as much as my view of UOB's broader credit-card portfolio.
In 2026, the UOB Visa Infinite remains one of UOB Malaysia's strongest open-market premium credit cards. It continues to offer 10X UNIRM on overseas spending, 5X UNIRM on qualifying local dining, 12 annual Asia-Pacific airport lounge visits and up to 12 airport transfers to KLIA. The minimum income requirement also remains a relatively attainable RM120,000 per annum for a card positioned at this level.
The problem is that this isn't a particularly good general-spend card.
Its value is concentrated around very specific spending behaviours. If you dine out frequently, travel overseas regularly and can make meaningful use of its travel benefits, there is still plenty to like. If most of your spending is ordinary local retail expenditure, the proposition deteriorates very quickly.
That distinction forms the basis of this updated review.
Refined Points Verdict
Best for: Frequent travellers who spend meaningfully on overseas transactions and local dining.
Main strength: A strong combination of 0.83 miles per Ringgit on overseas spend, 0.41 MPR on qualifying local dining and 12 annual DragonPass lounge visits.
Main weakness: Extremely weak general local earning, restricted Asia-Pacific lounge coverage, no complimentary guest or supplementary lounge entitlement, and a RM50,000 annual-spend requirement to avoid the RM600 annual fee.
Bottom line: The UOB Visa Infinite is still worth obtaining in 2026, but I no longer view it as a universally good premium card. Its value proposition is highly concentrated. Use it for the categories it was designed for and it remains excellent; use it indiscriminately as an everyday card and it quickly becomes mediocre. UOB currently requires RM120,000 annual income, charges RM600 annually for the principal card, and requires RM50,000 of annual spend to enjoy the card without that fee.
UOB Visa Infinite: Key Card Details
Feature | UOB Visa Infinite |
Minimum Annual Income | RM120,000 |
Principal Annual Fee | RM600 |
Supplementary Annual Fee | RM300 |
Annual Fee Waiver | RM50,000 annual spend |
General Local Spend | 1X UNIRM = 0.08 MPR |
Local Dining | 5X UNIRM = 0.41 MPR |
Overseas Spend | 10X UNIRM = 0.83 MPR |
Airline Partners | Enrich, KrisFlyer, Asia Miles |
Standard Conversion | 12,000 UNIRM = 1,000 Miles |
Airport lounges | 12 visits per calendar year |
Lounge Network | DragonPass Asia Pacific |
Guest Access | No |
Supplementary Lounge Access | No |
Airport Transfer | Up to 12 trips/year, conditions apply |
Travel Insurance | Up to RM500,000 |
Payment Network | Visa |
UOB's published terms confirm the 1X/5X/10X earning structure and its current conversion rate of 12,000 UNIRM to 1,000 Enrich, KrisFlyer or Asia Miles
What Has Changed Since My Original Review?
The UOB Visa Infinite has undergone several meaningful changes since this review was originally published in October 2024. Most importantly, supplementary lounge access has disappeared, annual-fee waivers now require RM50,000 of yearly spend, and UOB is revising its lounge-access mechanics again from September 2026. These changes are incorporated throughout this review rather than treated as historical footnotes.
Eligibility & Annual Fee
The UOB Visa Infinite requires a minimum annual income of RM120,000, equivalent to RM10,000 per month.
The principal card carries an annual fee of RM600, while supplementary cards cost RM300 annually. From 2026 onwards, the principal Visa Infinite requires RM50,000 of annual card spend to enjoy the card without its annual fee.
This changes the economics of the card more than it initially appears. RM50,000 works out to approximately RM4,167 of spending per month.
I wouldn't recommend deliberately putting RM50,000 of poorly rewarded expenditure onto the UOB Visa Infinite simply to save RM600. That's backwards.
The waiver works when the RM50,000 consists predominantly of spending you would have placed on this card anyway, particularly overseas transactions and dining.
If you're forcing ordinary 0.08 MPR local expenditure onto the card solely to hit an annual-fee threshold, you should seriously consider whether another card would provide more value in the first place.
This is precisely why I now view the Visa Infinite as a conditional recommendation rather than a blanket recommendation.
Airline Miles Earn Rate
The UOB Visa Infinite has three fundamentally different earning rates.
General Local Spend — 0.08 MPR
Ordinary eligible local expenditure earns 1X UNIRM per RM1. At the standard Visa Infinite conversion rate of 12,000 UNIRM to 1,000 airline miles, this works out to approximately: 0.08 airline miles per Ringgit. That's terrible.
There is little reason for a serious airline-miles collector to intentionally route ordinary local expenditure through the UOB Visa Infinite when substantially stronger earning options exist elsewhere. The card isn't designed to reward indiscriminate local spending.
Local Dining — 0.41 MPR
This is where things become much more interesting. The Visa Infinite earns 5X UNIRM for every RM1 spent on qualifying local dining, provided your total qualifying dining expenditure reaches at least RM1,000 during the calendar month. If you spend less than RM1,000, those dining transactions earn only 1X UNIRM.
At the normal 12,000 UNIRM : 1,000 miles conversion: 5 UNIRM/RM ÷ 12 UNIRM/mile = 0.4167 MPR or approximately 0.41 miles per Ringgit.
UOB currently recognises dining transactions coded under:
MCC 5811 — Caterers
MCC 5812 — Eating Places and Restaurants
MCC 5813 — Drinking Places
MCC 5814 — Fast Food Restaurants.
I continue to regard this as one of the card's most useful characteristics. MCC 5813 is particularly relevant because bars, pubs and other drinking establishments can qualify. For anyone who frequently entertains clients, eats out, visits cafés or simply spends a meaningful amount on restaurants every month, reaching RM1,000 isn't especially difficult.
One caution remains from my original review: merchant coding determines your rewards, not what you personally consider to be “dining.”
A restaurant operating inside a hotel, for example, could potentially be processed under the hotel's merchant code instead of MCC 5812. If that happens, the transaction won't magically become eligible merely because you ate dinner there.
Overseas Spend — 0.83 MPR
The other reason to hold the UOB Visa Infinite is overseas expenditure. UOB awards 10X UNIRM per RM1 of eligible overseas spend, translating into approximately: 0.83 miles per Ringgit.
That remains very respectable. And unlike the card's local general-spend rate, 0.83 MPR is sufficiently meaningful for the Visa Infinite to become a genuine travel-spend card rather than merely a card that happens to include travel benefits.
There is, however, an important technical distinction: Always avoid Dynamic Currency Conversion if you're chasing the 10X rate. UOB explicitly states that overseas spending settled in Malaysian Ringgit—including transactions where you choose MYR through Dynamic Currency Conversion—earns only 1X UNIRM, rather than the 10X overseas rate.
So if a terminal in Tokyo asks: JPY or MYR? Choose JPY. The same principle applies everywhere else. Pay in the merchant's foreign currency and allow the card network/UOB to perform the conversion.
Miles Conversion Partners
The UOB Visa Infinite allows UNIRM to be transferred into three major airline programmes:
Malaysia Airlines Enrich
Singapore Airlines KrisFlyer
Cathay Pacific Asia Miles
The standard Visa Infinite conversion rate is currently: 12,000 UNIRM = 1,000 airline miles across those programmes. This is important because the headline “10X UNIRM” sounds much more exciting than it actually is. UNIRM isn't an airline mile. Once conversion is accounted for, your real earning rates are approximately:
1X UNIRM → 0.08 MPR
5X UNIRM → 0.41 MPR
10X UNIRM → 0.83 MPR
That is the metric I use across Refined Points when comparing the card against competing airline-miles cards.
Airport Lounge Access
Airport lounge access remains one of the headline reasons to consider the UOB Visa Infinite. The card currently provides:
12 complimentary lounge visits per calendar year
Asia-Pacific lounges only
DragonPass Airport Companion network
Principal cardholder only
No complimentary guest access
No supplementary cardholder access.
The 12-visit allowance itself is excellent. The geographical restriction is not. If most of your travel takes place around Malaysia, Singapore, Thailand, Hong Kong, China, Japan, South Korea or Australia, the Asia-Pacific limitation may barely concern you.
If you regularly travel through London, Paris, Frankfurt, Dubai or the United States, it becomes much harder to accept from a premium Visa Infinite product. This has always been my biggest frustration with UOB's standard Visa Infinite.
How Good Is the DragonPass Lounge Network?
The network is substantially broader than simply “a few Plaza Premium Lounges.” UOB's lounge list updated on 27 May 2026 contains extensive coverage across Asia Pacific, including numerous lounges in China, Japan, Singapore, Australia and Malaysia.
In Malaysia, the published list currently includes locations such as:
Plaza Premium Lounge at KLIA Terminal 1
Travel Club Lounge at KLIA Terminal 1 Satellite Building
Sky Suite Airport Lounge at KLIA Terminal 1
Kepler Club
Plaza Premium Lounge at Penang International Airport
Plaza Premium Lounge Langkawi
Travel Club Lounges in Kuching and Kota Kinabalu
Sky Lounge at Subang Airport.
Notably, the current published list does not contain KLIA Terminal 2. That's worth knowing before arriving at the airport and discovering it at the lounge entrance.
The UOB Private Lounge at KLIA Terminal 1
Visa Infinite cardholders also retain access to the UOB Private Lounge at KLIA Terminal 1. Despite the name, this isn't some enormous standalone UOB flagship lounge. It is a dedicated UOB area located within the Plaza Premium Lounge at KLIA Terminal 1's Contact Pier, with features such as a priority access lane, curated menu and welcome drink.
It's a nice incremental benefit. I just wouldn't choose the UOB Visa Infinite because of it. There are far more important considerations when deciding whether a RM120,000-income travel card deserves space in your wallet.
Important Lounge Change From 1 September 2026
From 1 September 2026, UOB Visa Infinite principal cardholders accessing participating Plaza Premium Lounges in Malaysia will be able to present their physical card and boarding directly.
No DragonPass app is required for those eligible Malaysian Plaza Premium Lounge visits.
UOB is also introducing a rule that each cardmember may present only one eligible UOB credit card per lounge visit, regardless of how many qualifying UOB cards they hold. Misuse involving multiple cards or supplementary cards can result in the applicable lounge charge being posted back to the principal account.
For the Visa Infinite specifically, I don't regard the physical-card change negatively. It's arguably more convenient. The bigger issue remains unchanged: your 12 visits remain tied to the principal cardholder and geographically restricted to Asia Pacific.
Complimentary Airport Transfers
UOB advertises up to 12 airport transfers annually, but each requires RM5,000 of qualifying travel spend, is limited to one redemption per month, and remains subject to programme quotas and booking conditions.
Grab redemptions are capped at RM120. From September 2026, revised Concierge conditions include a 70km standard distance allowance and expanded scheduling rules.
I regard this as a useful bonus rather than a reason to obtain the card. The RM5,000 qualifying-spend requirement makes the benefit considerably less frictionless than the headline suggests.
Important Exclusions You Need to Know
This is probably the most important new section compared with my old review. UOB's rewards structure now has enough exclusions that simply looking at “10X overseas” or “5X dining” isn't sufficient.
Dining below RM1,000 per month
If your total qualifying local dining expenditure doesn't reach RM1,000 during the calendar month, the relevant dining spend earns only 1X UNIRM, not 5X.
Overseas transactions settled in MYR
Dynamic Currency Conversion or other overseas purchases settled in Ringgit earn 1X, rather than 10X.
International advertising / professional-service expenditure
Certain professional services and transactions involving companies such as Google, Facebook, Microsoft, TikTok and Instagram are specifically excluded from the 10X overseas category.
Transactions that don't earn UNIRM
The current Visa Infinite T&Cs exclude a fairly broad collection of transactions entirely, including petrol, transportation, utilities, government payments and taxes, JomPAY, cash withdrawals, balance transfers and certain instalment/payment-plan transactions, among others.
The Optimal UOB Strategy in 2026
This is probably where my view has changed most dramatically since the original version of this review. Back then, I spent considerable time trying to construct an “optimal UOB strategy” using multiple UOB cards. I don't think most people should bother anymore.
The UOB Visa Infinite is strong precisely because it already covers the two spending categories that matter most to its proposition: Dining and Overseas spend.
The rest of UOB's ecosystem has become increasingly difficult to justify when annual-fee requirements, lounge-access reductions, category exclusions and overlapping benefits are taken into account.
My own 2026 UOB strategy therefore moved away from the old Visa Infinite + PRVI Miles Elite combination and towards treating the Visa Infinite as the only UOB card really necessary for this strategy. The logic is straightforward.
If you already earn 0.83 MPR overseas on the Visa Infinite, does it really make sense to take out another premium UOB card, route another RM50,000 of annual expenditure through it and manage another set of conditions merely to squeeze out incremental value?
For most people, I don't think it does.
UOB Visa Infinite vs Other UOB Premium Cards
UOB Visa Infinite vs UOB PRVI Miles Elite
In my view, the Visa Infinite is now the better standalone UOB card.
The PRVI Miles Elite has faced increasingly awkward annual-fee and lounge economics, whereas the Visa Infinite retains the useful dining accelerator, DragonPass access and the same broad overseas-spend philosophy without requiring a second RM50,000 annual-fee strategy. UOB's current annual-fee schedule requires RM50,000 annual spend on either card to avoid their respective RM600 fees.
UOB Visa Infinite vs UOB Privilege Banking Visa Infinite
If you already qualify for UOB Privilege Banking, the PBVI is objectively more attractive in several travel areas. Its lounge benefit is worldwide rather than Asia-Pacific-only, and principal cardholders can bring one accompanying guest.
However, that's no longer an apples-to-apples comparison. The standard UOB Visa Infinite is available on a RM120,000 annual-income criterion without requiring you to establish a qualifying Privilege Banking relationship. For the general affluent market, the normal Visa Infinite is therefore considerably easier to access.
How Does It Compare With Other Banks?
This is where the Visa Infinite becomes more difficult to call an outright market leader. If your highest priority is simply: earning overseas miles + local dining miles + travelling around Asia Pacific alone, the UOB Visa Infinite remains extremely competitive.
If your requirements expand into: global lounge access, supplementary-card lounge benefits, family travel, broader airline transfer flexibility or stronger general local earn rates, there are competing ecosystems worth examining.
This is also why I've increasingly gravitated back towards CIMB when considering my broader 2026 airline-miles strategy: its lounge proposition better accommodates the way I actually travel, particularly when supplementary cardholders and travel outside Asia Pacific enter the equation.
That doesn't make the UOB Visa Infinite bad.
Who Should Get the UOB Visa Infinite?
I would seriously consider the card if you:
earn at least RM120,000 per year;
comfortably spend RM1,000 or more on qualifying local dining each month;
travel internationally and generate meaningful foreign-currency expenditure;
travel predominantly within Asia Pacific;
don't require complimentary lounge access for your spouse, family or supplementary cardholders;
can naturally reach the RM50,000 annual-fee waiver threshold without diverting poorly rewarded spending;
value Enrich, KrisFlyer or Asia Miles;
want one relatively straightforward UOB miles card rather than an elaborate multi-card strategy.
For that profile, the Visa Infinite remains compelling.
Who Should Avoid the UOB Visa Infinite?
I'd look elsewhere if you:
spend predominantly on ordinary local transactions;
don't reach RM1,000 of dining spend monthly;
want a card for petrol, utilities or transport expenditure;
frequently use airport lounges in Europe, the Middle East or North America;
travel regularly with a spouse or family and need guest/supplementary lounge access;
won't naturally reach RM50,000 of annual spend;
want a single card with strong earning across virtually every spending category.
There are better cards for those objectives.
Refined Points Final Verdict
The UOB Visa Infinite is a surprisingly resilient travel card. Despite several rounds of devaluation, its core proposition remains coherent: 0.41 MPR on qualifying local dining, 0.83 MPR overseas and 12 annual Asia-Pacific DragonPass visits.
Its weakness is equally obvious. At just 0.08 MPR on ordinary local spending, this is not a card you should use indiscriminately. The Asia-Pacific lounge restriction and absence of complimentary guest access also limit its appeal for family travellers.
For the right profile, however, I continue to recommend it. If you regularly dine out, spend overseas and travel predominantly around Asia Pacific, the Visa Infinite remains arguably the most straightforward way to maintain a UOB miles strategy without overcomplicating your wallet.
Refined Points Recommendation: Recommended — with conditions.
How to Apply for the UOB Visa Infinite
If the UOB Visa Infinite fits your spending and travel profile, you can apply through the Refined Points partner link below.
Refined Points may receive a commission if you apply through this link, at no additional cost to you. Our affiliate relationships do not influence our editorial recommendations.
Frequently Asked Questions
Is the UOB Visa Infinite worth it in 2026?
Yes, for the right spender. The card is particularly strong for local dining and overseas spending, but its 0.08 MPR general local earning rate makes it unsuitable as an indiscriminate everyday card.
How many miles does the UOB Visa Infinite earn?
The card earns approximately 0.08 MPR on eligible general local spending, 0.41 MPR on qualifying local dining and 0.83 MPR on eligible overseas transactions based on UOB's standard 12,000 UNIRM : 1,000 miles conversion.
Which airline programmes can UOB Visa Infinite points transfer to?
UNIRM can currently be converted to Malaysia Airlines Enrich, Singapore Airlines KrisFlyer and Cathay Pacific Asia Miles.
Does the UOB Visa Infinite provide airport lounge access?
Yes. Principal cardholders currently receive 12 complimentary Asia-Pacific lounge visits per calendar year through Airport Companion by DragonPass.
Can supplementary UOB Visa Infinite cardholders use airport lounges for free?
No. UOB's current T&Cs restrict complimentary Visa Infinite lounge access to principal cardholders. Accompanying guests and supplementary cardmembers are not entitled to the complimentary allocation.
How do I waive the UOB Visa Infinite annual fee?
From 2026, the RM600 principal annual fee can be avoided by meeting RM50,000 of annual spend during the applicable 12-month measurement period.
Does the UOB Visa Infinite have airport transfers?
Yes. Principal cardholders can receive up to 12 transfers to KLIA per calendar year, limited to one per month and subject to RM5,000 of qualifying travel-related spending and other programme conditions.
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