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Review: UOB Visa Infinite Metal Card

This is our full review of the UOB Visa Infinite Metal Card .

The UOB Visa Infinite Metal Card is UOB’s offering for the crowded 120k credit card space. In this segment of the market, banks are targeting higher-income earners looking for benefits that can elevate their lifestyle. These cards typically provide better card benefits over their ability to earn frequent flyer miles.

For folks who are in the market for shiny metal credit cards, UOB’s got your back. It even deliberately named it the “Metal Card” probably for SEO purposes.

The card has undergone some big transformations to its benefits in June 2023. Prior to that, it had never been the most exciting credit card in the 120k category. However, because of the change, it has become more enticing and provides a lot more value for the high annual fee that it charges. We’ll see if it now deserves a coveted spot in your wallet.

UOB Visa Infinite Metal Card

A good set of benefits, but not enough to justify its high annual fees.

Earning Miles

⚠️ mpd stands for “miles per dollar”. It’s the number of miles you’ll earn per dollar spent on the card.

You’ll earn UNI$ when you spend with the UOB Visa Infinite Metal Card. These UNI$ can then be transferred into frequent flyer programs for flight redemptions.

The UOB Visa Infinite Metal Card has a reasonable mpd earning rate for a general spending card. Unfortunately, it does not have any bonus categories that can let you earn more miles for your spending.

In general, this is not a card that you’ll want to use to accumulate miles for your next free business-class flight.

UOB Transfer Partners

The UOB Visa Infinite Metal Card does not boast the most transfer partners compared to its competition from other banks . It only has the standard KrisFlyer and Asia Miles programs that most other credit cards have.

As a UOB Visa Infinite Metal Card cardholder, all transfers from UNI$ to frequent flyer miles are free of charge . This can amount to a substantial saving as those ~S$25 transfer fees can add up over time.

Does UOB Pool Points Together?

Yes, UOB allows you to pool your hard-earned UNI$ across different UOB credit cards together when making a redemption.

This is great if you have other UOB cards like the UOB Preferred Platinum Card or the UOB Lady’s Cards which are amazing cards for earning a ton of FFP miles. Remember, as a card member of the UOB Visa Infinite Metal Card, you do not need to pay any fees to transfer UNI$ over to FFP miles.

Therefore, having the UOB Visa Infinite Metal Card can be a great amazing hack to avoid paying those S$25-27 fees to transfer UNI$ earned through other UOB cards.

Expiry of UNI$

UNI$ earned from the UOB Visa Infinite Metal Card will expire 2 years after the end of the quarter from which they were earned . This is quite a mouthful, so let’s break it down with a simple example.

Earn an additional 15,000 miles Every Year

You can earn an additional 15,000 miles at card renewal every year if you’ve spent a minimum of S$100,000 in the previous membership year.

S$100,000 is a considerable sum of money to spend every year on a single credit card. Moreover, the standard earning rates of the UOB Visa Infinite are not high enough for me to even recommend them for regular spending. The opportunity cost of using this card for spending is too high, considering there are many cards out there that provide 4-6 mpd on bonus category spending.

Therefore, I would imagine this is a benefit that will be applicable to a very small subset of individuals only.

Sign Up Offer

The sign-up offer is available to new and existing UOB credit card members . The main difference lies in the number of miles awarded.

You are considered a new UOB credit card member if you do not currently have any UOB credit cards and have not cancelled any UOB credit cards within the last 12 months before your application.

For both sign-up offers, cardholders must pay the 1st year annual fee of S$648 and spend S$4,000 within 30 days of your card approval .

⚠️  Sign up for the UOB Visa Infinite Metal Card here!

Monthly GrabGift Vouchers

You’ll receive 2 S$5 GrabGift vouchers every month for being a UOB Visa Infinite cardholder. The voucher codes will be sent via SMS and they can be used across various Grab services like Transport, Food, Mart and Express.

Over the course of a year, that adds up to S$120 in value . If you’re a frequent user of Grab services, you should be able to use the vouchers with ease and can count them at face value.

Unlimited Complimentary Airport Lounge Access

The UOB Visa Infinite Metal Card provides unlimited complimentary airport lounge access for the primary cardholder and 1 guest via Dragon Pass.

This is one of the most generous lounge offerings out of most other credit cards in the market. The only other card that comes close would be the Citi Prestige Card which has similar complimentary limits but is provided by the Priority Pass program instead.

Personally, I’d choose Priority Pass over Dragon Pass because Priority Pass has a restaurant program that gives you complimentary meals in select airport restaurants.

Pan Pacific DISCOVERY Platinum Status

UOB Visa Infinite Metal cardholders will be upgraded to Pan Pacific’s DISCOVERY Platinum Status .

The Pan Pacific Group has 550 hotels that span across 77 countries.

It does not have the footprint of more prominent hotel brands like Marriott or Hilton, but if you stay at Pan Pacific hotels frequently, this status upgrade can be fairly useful for you.

Dining Benefits

The UOB Visa Infinite Metal Card offers various discounts across various dining establishments. These restaurants are mostly situated within hotel properties.

COMO Group Benefits

It appears that UOB has struck a good deal with the COMO Group. There are multiple COMO Group-related deals for card members.

• 10% off at Club21 and Kids21 Stores
• 4th night free at select COMO Hotels and Resorts
• 20% off COMO Shambhala Anywhere App annual subscription

These are very specific benefits and can only really benefit you if you’re already a COMO group patron.

As for the 4th night free at select COMO Hotels and Resorts, there are some valuable properties in the Maldives that this offer applies to. A night at any of these hotels easily goes for S$1300 , so you’re making a huge saving if you can take advantage of this. This promotion only lasts until 31 December 2023 .

Golf Benefits

As a luxury credit card, it provides several golfing benefits and discounts around Singapore and the region.

For the overseas golf benefits, it has to be booked through Visa’s booking portal here .

Personally, I’m not a golfer, so this benefit does not apply to me. Doing a quick search on the green fees for Sentosa Golf Club for a weekday reservation, it easily goes for S$240 per person for members and S$370 per person for visitors. This can be a huge saving if you are able to take advantage of this benefit.

Travel Insurance

The UOB Visa Infinite Metal Card provides up to US$1,000,000 in personal travel accident insurance for the primary cardholder and a spouse. This includes accidental death or permanent disability that arises due to a covered trip.

In addition, it also provides travel inconvenience coverage such as lost baggage, flight delays and missed connections. This travel inconvenience coverage is quite extensive and contains most of what other common travel insurance has.

To be eligible for travel insurance, you’ll have to charge the airfare of the trip to the UOB Visa Infinite Metal Card.

As a rule, we always advocate to not solely rely on a credit card’s travel insurance for travel. It’s always better to purchase a standalone travel insurance package as most credit card insurances are not extensive. However, the UOB Visa Infinite Metal Card’s coverage is one of the best we’ve seen out there and can easily stand in for those short trips to nearby countries.

Eligibility

You’ll need to have a minimum annual income of S$120,000 to be eligible for the UOB Visa Infinite Metal Card.

This makes the UOB Visa Infinite Metal Card a mid-tier credit card when it comes to its eligibility criteria.

The annual fee of S$648 is strictly non-waivable.

For paying the annual fee every year, you’ll receive 25,000 miles. That translates to purchasing the miles at 2.59 cents per mile which is very steep when compared to similar cards. However, we have to take into account other benefits provided to get a holistic view of the card.

My Verdict – Should you get the UOB Visa Infinite Metal Card?

It depends. Personally, it’s hard for me to justify owning the UOB Visa Infinite Metal Card.

It has a higher annual fee than the other 120k credit cards. With that, it needs to have more benefits that can help me “recoup” the annual fee. For me, the most applicable benefits would be the Grab Gift Vouchers and the very generous lounge access policy.

It’s unlikely I’d take advantage of the other benefits it offers as they do not apply to my usual lifestyle. I do not golf, I do not regularly patronize COMO establishments and I do not frequently dine in hotel restaurants if I’m not staying there.

Ultimately, I believe it depends a lot on your lifestyle and whether these benefits apply to you.

As a comparison, I would think that the Citi Prestige Card offers more bang for the buck within this category of credit cards.

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I believe Dragon Pass offers a restaurant programme as well. In fact, at Changi Airport, there’s 7 restaurants on the Dragon Pass app offering set meals (at the expense of 1 visit), compared to 4 restaurants from the Priority Pass app.

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Travel Insurance

You'll love.

• Hassle-free online buying experience

You'll Need

• To buy Insure & Travel before you leave Singapore
• To be a Singaporean or is a Singapore PR, or Work Permit or Employment pass holder or has a Long Term Visit Pass

Key Benefits

Important information, general exclusions.

• Up to S$300,000 for Personal Accident^
• 50% premium discount for Child travelling with an Insured adult on Single Trip Individual Plan^
• Up to S$15,000 for Loss of Deposit/Cancellation^
• Up to S$2,000 for Baggage Delay^

^The relevant policy terms and conditions apply.

Geographical Areas

Eligibility for cover.

• You must be domiciled in Singapore.
• The Trip must not be for the purpose of seeking medical treatment.
• Insured Person above Age 70 years old is not eligible for Preferred Plan

Family Plan

Maximum enrolment age,   other information.

• Age means the age of the Insured or Insured Person on his/her next birthday on the start date of the Period of Insurance stated in the Certificate of Insurance and/or Policy.
• Child means a fully dependent child under the Age of eighteen (18) years or up to twenty- three (23) years who is studying full-time in a recognized institution of higher learning and is not married nor in any employment at the time of purchase of this Certificate of Insurance and/or Policy.
• Male who is serving National Service or waiting for enlistment is not construed as a Child .
• Annual Multi-Tri Individual Plan is not available for Insured Person who is below the Age of 21 years old.

  Commencement of Coverage

• All trips must start and end in Singapore.
• Travel Insurance must be purchased before commencement of trip from Singapore.

  Maximum Duration of Trip(s)

• Single Trip: Up to 185 days.
• Annual Multi-Trip: Multi-trips, subject to maximum 90 days per Trip.

  Premium Discount for Child

  calculation of premium, refund and cancellation policy, summary of major exclusions applicable to insure & travel:.

• War and kindred risks and government acts
• Nuclear/Chemical/Biological Terrorism (LSW 1176)
• Nuclear hazards
• Unreasonable care and attention
• Racing, motor sports, mountaineering, flying as a pilot and crew member or other hazardous pursuits and underwater activities except leisure scuba diving under the supervision of a qualified diving instructor
• Self-inflicted injury or illness
• AIDS or AIDS Related Complex
• Alcoholism or drug abuse
• Pre-existing medical conditions
• Pregnancy including childbirth, caesarean operation, abortion, miscarriage (and all complications therefrom) except miscarriage due to accidental bodily injury as provided under Section 3(c) of the Policy contract
• Medical treatment (except as specified) in Singapore
• Non-essential treatment or surgery
• Medical treatment being the specific purpose of the trip
• Failure to notify travel agent/tour operator or provider of transport or accommodation immediately if it is found necessary to cancel or curtail the travel arrangement
• Failure of the Insured Person to check-in according to the itinerary supplied to him
• Strike or industrial action which was in existence at the date of purchase of this insurance
• Normal wear and tear
• Confiscation or detention by customs
• Damage to fragile articles
• Losses not reported to the police within 24 hours at the place of loss
• Baggage losses not reported to the carrier immediately
• Injury to employees or members of the Insured Person's family
• Liability arising out of the use of vehicles, aircraft or watercraft
• Property belonging to or held in trust or in the custody or control of the Insured Person
• Liability directly arising from the Insured Person's specific pursuit of any trade, business or profession
• Liability assumed by the Insured Person by agreement

Review: UOB Visa Infinite Metal Card Singapore

As connoisseurs of credit cards that promise luxury and exclusivity, we find the UOB Visa Infinite Metal Card commanding attention in Singapore’s competitive premium card market. Boasting an eye-catching metal design, the UOB Visa Infinite Metal Card caters to discerning clients with a penchant for travel, dining, and comprehensive perks. The card’s recent updates have potentially transformed it from an underperformer, as once perceived, to a valuable asset in a high-net-worth individual’s wallet.

Unpacking the UOB Visa Infinite Metal Card reveals a compelling reward system. New cardholders are greeted with a substantial welcome offer of air miles, which, coupled with category-specific rewards, aim to enhance shopping and travel experiences. Perks including access to exclusive lounges and gourmet dining deals outline UOB’s commitment to fulfilling lifestyle aspirations, while advanced security features underline the institution’s focus on client safety. The card’s recognition in Singapore stems from a blend of luxury benefits and practical day-to-day uses.

Key Takeaways

• The attraction of UOB Visa Infinite Metal Card lies in its combination of style and substance with a strong emphasis on travel and lifestyle perks.
• The reward system is designed to cater efficiently to high spenders, offering a substantial air miles program and exclusive dining privileges.
• Security measures and customer service form the backbone of this premium offering, enhancing its appeal in comparison to similar cards.

Card Overview

In this section, we will cover the UOB Visa Infinite Metal Card’s key aspects such as eligibility, fees, and its distinct metal design. These details are essential in understanding the value proposition of the card.

Eligibility Requirements

To apply for the UOB Visa Infinite Metal Card, applicants must meet the following criteria:

• A minimum annual income of S$120,000 is required.
• The card is targeted towards high earners looking for premium credit card features.

Annual Fees

• Primary Card : The annual fee for the UOB Visa Infinite Metal Card is S$642 (inclusive of GST).
• Supplementary Card : Fees may apply for additional cardholders.
• Air Miles Rewards : The card offers up to 40,000 air miles as part of the membership benefits—25,000 miles upon joining or renewal, and an additional 15,000 miles upon a minimum spend of S$100,000 in a membership year.

Metal Card Design

• Material : The card features a sleek, metal design that distinguishes it as a premium product.
• Aesthetics : Emphasizing exclusivity, the card has a sophisticated appearance, reflecting the status of its cardholders.

Reward System

The UOB Visa Infinite Metal Card offers a comprehensive reward system designed for the discerning spender. We’ll explore the earn rate, redemption options, and exclusive benefits that make this card stand out.

The earn rates for the UOB Visa Infinite Metal Card are competitive. Members can accrue rewards through the following means:

• Local Spend: Earn 1.4 miles per S$1 spent locally.
• Overseas Spend: Receive 2 miles per S$1 spent overseas.

Redemption Options

Cardholders have various redemption options for accumulated miles which include:

• Flight Bookings: Miles can be used to book flights across multiple airlines.
• Hotel Stays: Redeem miles for hotel accommodations worldwide.
• Lifestyle Rewards: Use miles for experiences and exclusive items.

Exclusive Benefits

The UOB Visa Infinite Metal Card also comes with an array of exclusive benefits:

• Airport Lounge Access: Complimentary access to VIP airport lounges.
• Concierge Services: 24/7 concierge service to assist card members.
• Dining Privileges: Up to 50% off at selected dining establishments.

Travel Features

When discussing the UOB Visa Infinite Metal Card, it’s essential to outline the array of travel features offered. Two standout benefits in this category are Airport Lounge Access and Travel Insurance – offerings that frequent travellers often prioritize.

Airport Lounge Access

• DragonPass Membership : Cardholders are entitled to unlimited lounge visits.
• Complimentary Guest Access : Accompanying guests can also enjoy lounge access, enhancing the overall travel experience.

Travel Insurance

• Comprehensive Coverage : The UOB Visa Infinite Metal Card provides robust travel insurance for peace of mind.
• Variety of Protections : Coverage extends to travel accidents, travel inconveniences such as baggage delays, and more.

Dining Privileges

Our UOB Visa Infinite Metal Card offers a suite of dining privileges that enrich the culinary experiences of our cardholders. From fine dining access to exclusive discounts, we ensure our customers savor the best for less.

Fine Dining Access

We offer our cardholders the opportunity to indulge in fine dining experiences at select restaurants. With the UOB Visa Infinite Metal Card, access to exquisite and high-end culinary delights is at your fingertips, reinforcing our commitment to providing premium privileges.

Dining Discounts

• Weekday Discounts: Cardholders enjoy a 50% discount for dine-in on weekdays at participating restaurants, subject to one card per table and a maximum of two persons per bill.
• Group Dining: For larger gatherings, we offer discounts for groups up to 15 persons per bill, ensuring that the joy of dining is better shared.

Please note that privileges are subject to the terms and conditions applicable at the time of dining.

Additional Perks

In our exploration of the UOB Visa Infinite Metal Card, we’ve identified an array of additional perks that cater to our sophisticated lifestyle and leisure preferences. Among these, concierge services and golfing privileges stand out, offering convenience and exclusive access to premium experiences.

Concierge Service

The UOB Visa Infinite Metal Card offers us a dedicated concierge service designed to assist with our various personal requests. Whether it’s booking reservations at top-tier restaurants or sourcing tickets for sought-after events, the concierge is there to facilitate these arrangements on our behalf. This service exemplifies the card’s commitment to providing a seamless and personalized experience for all cardholders.

Golfing Privileges

For those of us who enjoy golf, the UOB Visa Infinite Metal Card grants access to some of the most prestigious golf clubs locally and worldwide. We can take advantage of complimentary green fees, preferential booking status, and special golfing events that are exclusive to cardholders. These privileges enable us to indulge in our passion for the sport while experiencing the luxury and convenience that come with the card.

Security Elements

When discussing the UOB Visa Infinite Metal Card, we prioritize the importance of security features designed to protect our cardmembers. Two critical components include fraud protection and the convenience of contactless payments.

Fraud Protection

We implement multiple layers of fraud protection to ensure the security of every transaction. This involves continuous monitoring for unusual activity and instant alerts to cardmembers for potential fraud. Our system is designed to detect and react promptly, safeguarding our cardmembers’ financial interests.

Contactless Payments

Our card supports contactless payments , offering both security and convenience. These transactions use secure encryption, which significantly reduces the risk of skimming or unauthorized data retrieval. Just tap the card on the reader for a quick and secure checkout.

Customer Feedback

In evaluating the UOB Visa Infinite Metal Card, we’ve gathered insights from actual users and experts in the field to offer a comprehensive view based on experiences and professional analysis.

User Testimonials

• Users often mention the 80,000 air miles for new customers as an impressive sign-up perk.
• Repeat customers value the 40,000 reward miles when they stay loyal to the card.
• The annual fee of S$654 is a common point of discussion, with some users noting it as a significant cost for the card’s benefits.

Expert Reviews

• The UOB Visa Infinite Metal Card’s benefits are acknowledged, but experts like The MileLion have pointed out that it used to be overpriced when compared to its offerings. However, recent reviews suggest a turnaround in the perceived value.
• Compared to other cards in the market, professionals from SingSaver note the cost per mile at 2.61 cents positions the card competitively, albeit not the cheapest option available.

Comparative Analysis

In assessing the UOB Visa Infinite Metal Card, we consider its standing against its peers and its unique place in the Singaporean market.

Competitor Comparison

When evaluating the UOB Visa Infinite Metal Card, it is essential to compare it directly with other premium metal credit cards available to consumers in Singapore. Here are some key points of comparison:

• Annual Fees : We find that, like other premium cards, the UOB visa Infinite Metal Card commands a high annual fee. Compared to others in its category, the fee is competitive and aligns with the industry’s standards for luxury cards.
• Earning Requirements : The card stipulates a minimum earning requirement that might surpass some of its competitors, reflecting its targeting towards an affluent clientele.
• Exclusive Perks : The card offers a suite of benefits including unlimited airport lounge access , air miles, and dining privileges. These perks are comparable to the best offerings in the segment.

*It is crucial to note that specific features and benefits can be subject to change, and consumers should verify current terms.

Market Positioning

The UOB Visa Infinite Metal Card occupies a distinct niche in the Singaporean credit card market:

• In terms of Status : Its metal design and premium benefits package position it as a status symbol within the local market.
• Regarding Rewards and Benefits : The card provides a competitive rewards structure, particularly in relation to travel and dining, positioning it favorably for consumers valuing these luxuries.
• Accessibility : This card distinguishes itself from cards available only through invitation by being accessible through direct application, increasing its appeal to qualified applicants seeking immediate luxury card access.

Best Credit Cards With Complimentary Travel Insurance Coverage (2024)

Several credit cards offer complimentary travel insurance. That is, on the condition that you charge your full flight fares to them. Which of them have the best travel insurance coverage and complement your everyday lifestyle? We analyse it in further detail below.

AMEX Credit Card Travel Insurance

American Express Singapore Airlines KrisFlyer Credit Card

American Express Singapore Airlines KrisFlyer Ascend Credit Card

Cimb visa signature travel insurance.

CIMB Visa Signature

CIMB Visa Infinite

Dbs altitude travel insurance.

DBS Altitude Visa Signature Card

DBS Vantage Visa Infinite Card

Uob prvi miles travel insurance.

UOB PRVI VISA Miles Card

UOB PRVI MASTERCARD Miles Card

UOB PRVI Miles American Express Card

Dcs cashback card travel insurance.

DCS CASHBACK Card

Ocbc 365 travel insurance.

OCBC 365 Credit Card

Exclusive: Most Popular Credit Cards in Singapore

MoneySmart has helped over 3 million users find the best credit cards in the market. Curious to know what people searched for? Find out in this members-only report and get insights on which card you can apply for next! Plus, try out our personality quiz to find which card matches your taste!

Frequent Asked Questions

Do you get travel insurance with your credit card, does travel insurance cover me if i cancel my flight, does my credit card's complimentary travel insurance cover discounted flights, related links.

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UOB Travel Insurance Review 2022: Promo, Covid-19, Complimentary Insurance

UOB travel insurance is something of a hidden gem. When you buy travel insurance, the usual names that come to mind are NTUC ,  MSIG ,  FWD and so on.

But in my opinion, UOB travel insurance offers pretty decent coverage – and I’m saying this as someone who is not a fan of UOB at all. This is a pleasant surprise because local banks usually don’t try very hard with their insurance products. 

Let’s take a closer look so you can decide if it’s worth your money. 

• UOB Travel Insurance: Summary
• UOB Travel Insurance: Coverage
• UOB Travel Insurance Covid-19 Coverage
• UOB Travel Insurance Promo
• UOB Complimentary Travel Insurance
• UOB Travel Insurance: Extreme Sports
• UOB Travel Insurance Claims Review
• Should I buy UOB Travel Insurance?

1. UOB Travel Insurance: Summary

UOB travel insurance is sold under the brand UOB Insure & Travel. It’s actually provided by UOI (United Overseas Insurance) which is UOB’s insurance arm. 

This is not to be mixed up with the complimentary travel insurance UOB offers its commercial cardholders. UOB’s InsureTravel is like any other travel insurance provider offering their travel insurance plans for purchase. You don’t have to be an existing UOB customer to buy UOB’s InsureTravel plans. 

2. UOB Travel Insurance: Coverage

Two years ago, the UOB travel insurance had only 2 tiers – Essential and Preferred. 

Now, UOB InsureTravel comes in 3 tiers:

• Basic Plan (cheapest, lowest coverage)
• Essential Plan
• Preferred Plan (most expensive, highest coverage)

UOB InsureTravel has categorised their insurance premiums into 3 areas for its single-trip plans:

• Area 1 : Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand and Vietnam 
• Area 2 : Asia countries excluding Middle East countries, Central Asia countries and Russian Federation. Australia and New Zealand included. 
• Area 3 : Anywhere in the world 

On the other hand, UOB InsureTravel’s annual plans has categorised their insurance premiums in 2 areas for its annual trip plans:

• Area 4 : ASEAN, Asia countries excluding Middle East countries, Central Asia countries and Russian Federation. Australia and New Zealand are included under Area 4
• Area 5 : Anywhere in the world

UOB InsureTravel’s coverage, claim limits, and key benefits are as follows:

UOB InsureTravel’s plans range from $46 to $123. Even when it’s not discounted, UOB InsureTravel is definitely on the more affordable end of travel insurance plans. 

We love a good deal any day of the week but does UOB InsureTravel’s coverage really give you a bang for your buck? 

In terms of coverage, UOB travel insurance seems pretty legit. Medical coverage is excellent for its price, travel inconvenience benefits are not the best but still decent, and if you’re using a UOB credit card you also get bonus fraud protection. Even with a Basic plan, the claim limits are pretty high. 

Comparison of UOB travel insurance prices vs other travel insurance providers:

Looking at the table above, UOB InsureTravel might not seem like the best in class travel insurance product . However, the thing to note is of the four insurance providers listed, only UOB InsureTravel’s policies include Covid-19 coverage. 

Covid-19 coverage has to be purchased as an add-on for FWD and Tiq by Etiqa travel insurance policies. Given that what you pay for UOB InsureTravel’s travel insurance plans also includes Covid-19 coverage, you get your money’s worth in coverage. 

Total Premium

FWD Premium

[ Score a Rolex, Apple iPhone, MVST Luggage & More! | MoneySmart Exclusive]        • Enjoy up to 25% off your policy premium. • Get S$20 iShopChangi e-voucher   and Eskimo Global 1GB eSIM with every policy purchased. T&Cs apply.        BONUS:  For a limited time only, there are over S$19,600 worth of gifts to be given away: • 1x Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • 1x Apple iPhone 15 Pro 128GB (worth S$1,664.25) • 5x MVST TREK Aluminium Large Suitcase (worth S$790) • 1x Sony WH-1000XM5 Wireless Noise Cancelling Headphones (worth S$589) and many more! Increase your chances of winning when you refer friends  today. T&Cs apply        PLUS, score S$100 iShopChangi vouchers in our giveaway on top of existing rewards.  T&Cs  apply.

Key Features

Enjoy cashless medical outpatient treatment in Singapore, access to emergency assistance and your travel policy documents through the FWD SG app!

Add on coverage for COVID-19 available for both Single & Annual Trips for travel period of 90 days or less.

Optional add on coverage available when your trip is cancelled for any reason for Single Trips. (To be purchased within 7 days of your initial trip deposit for your trip).

Optional add on coverage available for pre-existing Medical Conditions for Single Trips plans (up to 30 days) with S$50,000 coverage for medical expenses incurred overseas and 50% co-payment for trip cancellation, postponement and more!

[GIVEAWAY | MoneySmart Exclusive | FLASH SALE]     • Enjoy 40% off your Single Trip policy premium and 80% off Covid-19 add-on for Annual Plans. T&Cs apply • Get S$10 iShopChangi e-vouchers with every policy purchased.  T&Cs apply.    PLUS, score S$100 iShopChangi vouchers in our giveaway on top of existing rewards.  T&Cs  apply.       New to Tiq? Get FREE Travel Insurance (worth S$30) from Tiq . T&Cs  apply.     [Etiqa's 10th Year 2024 Grand Draw] Stand a chance to win S$10,000 cash or a Singapore Mint Lunar Dragon 1 gram 999.9 fine gold medallion (worth S$173) with eligible Etiqa/Tiq by Etiqa plans purchased. T&Cs apply.

Comprehensive Covid-19 add-on, protecting you before, during and after your trip

Covers Cruise to Nowhere

Instant claims encashment via PayNow

24-hour worldwide emergency travel support

Get paid upon a 3-hour flight delay, even without submitting a claim

3. UOB Travel Insurance Covid-19 Coverage

Given how affordable UOB’s InsureTravel policies are, it might come as a surprise to you that its plans already include Covid-19 coverage: 

UOB InsureTravel’s Covid-19 coverage is also worthy of singing praises. Even the basic plan’s overseas medical expenses coverage limit is $100,000. In comparison, FWD’s Covid-19 coverage will set you back by an additional $20.60-$34.04 for $200,000 in overseas medical expenses. 

Given just how pocket-friendly UOB InsureTravel plans are, upgrading to the Preferred plan is still cost competitive with other insurance providers who offer Covid-19 coverage as an add-on. 

4. UOB Travel Insurance Promo 

We’ve mentioned a fair bit about how affordable and price competitive UOB InsureTravel’s plans are. I don’t know about you, but I really hate buying stuff at full price, especially when I just know there’s going to be a sale just around the corner.

UOB travel insurance is kind of like that. When there’s a promotion, UOB travel insurance can be downright cheap, making it one of the best prices you can get in Singapore. Currently, there’s an ongoing promotion of 30% off on single-trip plans and 10% off on annual plans . 

Here are the UOB InsureTravel prices after the 30% discount:

After discount, UOB’s InsureTravel policies certainly give you the best value for money especially considering that it also includes Covid-19 coverage. 

You can keep tabs on the latest promotions on the  UOB travel insurance page. 

5. UOB Complimentary Travel Insurance  

If you’re a UOB cardholder, you can qualify for UOB’s complimentary travel insurance if you charge the entire fare of your air ticket to any of the following cards:

• UOB One Credit Card
• UOB EVOL Card
• UOB Absolute Cashback American Express Card
• UOB Visa Signature 
• UOB PRVI Miles American Express
• UOB PRVI Miles World Mastercard
• UOB PRVI Miles Visa
• KrisFlyer UOB Credit Card

Who does love free things? But as the old adage goes, there are no free lunches in the world. The UOB complimentary travel insurance coverage is extremely limited compared to the normal (paid) UOB travel insurance. It’s coverage is limited to the following:

• Personal Accident coverage of $500,000
• Emergency Medical Assistance, Evacuation & Repatriation coverage up to S$50,000 due to an accident or illness (including due to COVID-19 with effect from 1 April 2022)

UOB’s complimentary travel insurance coverage is incredibly bare bones. You’d definitely need to purchase your own travel insurance even if you are a UOB cardholder and qualify for the complimentary coverage. 

Plus, there’s the added trouble of having to sign-up online to qualify for the complimentary travel insurance. 

6. UOB Travel Insurance: Extreme Sports Outdoor Adventure

As we’ve seen in the sections above, the UOB travel insurance is actually legit. 

However, UOB isn’t the most lenient of insurers when it comes to adventure activities, so UOB travel insurance is not for thrill-seekers who really want to test fate. 

Here’s a list of outdoor activities that are covered, taken from the  UOI policy wording document which is rather hidden from view. The notable exceptions are activities in which you’re airborne – bungee jumping, skydiving and so on.

If you’re an adventure junkie planning to chase an adrenaline rush while you’re on holiday, the UOB InsureTravel plans are definitely limited in its extreme sports and outdoor adventure coverage. D efinitely consider DirectAsia’s Extreme Sports travel insurance rider as an add-on to your UOB InsureTravel plan. It helps that UOB InsureTravel policies are wallet-friendly to begin with. 

7. UOB Travel Insurance Claims Review

UOB travel insurance’s cumbersome claims process that seems to be stuck in time might just be my least favourite thing about UOB InsureTravel. To submit your claim, you have to: 

UOB travel insurance claims: Download the claim form from the UOB travel insurance page and email the completed form with supporting documents and receipts. Successful claims will then be credited to your account or the cheque will be sent to you via mail. 

The inconvenience aside, UOB does have a 24-hour emergency hotline to tend to your queries anytime of any day. The details are as follows:

Emergency assistance hotline: +65 6222 7737 

While there isn’t much fodder online about UOB travel insurance’s claims process, we did find one customer review being less than enthused about a full voicemail box. However, we’d take it with a pinch of salt given that it dates all the way back to 2013.   

8. Should I buy UOB travel insurance?

UOB InsureTravel’s travel insurance is one of the most bang-for-buck ones out there – even the mid-tier Essential plan has excellent coverage. 

It doesn’t make sense to overpay for your travel insurance unless you’re embarking on a high-stakes trip, like a thrill-seeking adventure. If you have an itinerary that’s heavy on extreme sports and outdoor adventure, you will definitely want to get an add-on that is more niche since UOB InsureTravel’s coverage in that category is greatly limited. 

Overall, UOB travel insurance offers very good travel insurance benefits all around, from medical coverage to travel inconveniences that may arise from Covid-19. It’s an added plus that unlike other insurance providers, UOB’s InsureTravel travel insurance plans are inclusive of Covid-19 coverage. 

The UOB InsureTravel policy also differentiates itself from other providers with additional benefits that are not common practice. For instance, UOB’s InsureTravel plans extend coverage to compassionate visits by a friend or family member. 

On top of that, if you’re a UOB cardholder, you also enjoy the following exclusive benefit:

Looking to buy UOB travel insurance?  Compare all Singapore travel insurance policies by price and coverage first .

Related Articles

Travel Insurance Singapore Guide (2024): Must-Knows for Choosing the Best Travel Insurance

Airline Travel Insurance – What does SIA, Scoot, Jetstar travel insurance cover?

Best Travel Insurance Plans in Singapore [content outdated due to Covid]

Travel hacking from Singapore

Upgraded: Breaking Down the Enhanced Card Benefits of the UOB Visa Infinite Metal Card

This article is brought to you by UOB Cards.

The UOB Visa Infinite Metal Card , the bank’s premium credit card, has recently undergone some enhancements, bringing more value to cardmembers. It now comes with improved overseas earn rates and an array of enhanced travel benefits.

Let’s have a closer look at what it has to offer and how cardmembers can make the most of this card and enjoy exceptional travel and fine dining experiences.

Table of contents

Receive strong, uncapped earn rates of 1.4 miles per dollar on local (SGD) spend and 2.4 miles per dollar (previously 2 mpd) on foreign currency spend.

Take note that Miles are awarded as UNI$, and 1 UNI$ is equivalent to 2 miles.

Earn Miles on typically-excluded transactions

Education and Hospital transactions are excluded from earning miles/points/cashback from most Singapore cards. But not this one!

Click here to view the list of exclusions in the terms and conditions.

Free Conversion to Miles

Cardmembers get to enjoy unlimited free conversion of UNI$ to miles in the following frequent flyer programs:

Singapore Airlines KrisFlyer

Cathay pacific asia miles.

This is a fantastic benefit, as most banks charge at least S$25 per conversion.

UNI$ can be converted in blocks of 5,000 UNI$ (10,000 miles).

Convert UNI$ earned on other UOB Cards for free too

As UNI$ earned across all UOB Cards are pooled together, cardmembers of the UOB Visa Infinite Metal Card can convert UNI$ earned on other UOB Cards for free too.

This benefit makes other great UOB Cards like the UOB Lady’s Card and UOB Preferred Platinum Card even better !

Miles Expiry

UNI$ expire 2 years after they are earned. As cardmembers are entitled to free unlimited conversions , I recommend converting them to a frequent flyer program close to the expiry date , if you are not ready to redeem them. This would extend your miles’ validity to at least 5 years!

Here are the miles expiry terms of both frequent flyer programs:

1 A one-time extension of 6/12 months is allowed, with a fee . 2 Asia Miles do not expire, as long as a minimum of 1 mile is earned, converted or redeemed at least once every 18 months.

Complimentary Airport Lounge Access

One of the notable enhancements is that cardmembers can now enjoy unlimited airport lounge access (via DragonPass ) at over 1,300 lounges worldwide, plus the added perk of bringing along a guest. This is a significant improvement from the previous benefit, which only allowed access four times a year.

Having airport lounge access can greatly improve your pre-boarding experiences, especially when there is a lengthy transit period before the connecting flight.

To register for this privilege, simply download the Airport Companion App (available on Apple App Store and Google Play Store) and sign up for the programme.

To access a participating airport lounge , simply present your DragonPass membership on the App, along with a same-day boarding pass. It does not matter which airline or cabin class you are flying in!

Other Card Benefits

Here are other key benefits that come with the UOB Visa Infinite Metal Card .

Complimentary GrabGifts Vouchers Monthly

Cardmembers receive two complimentary S$5 GrabGifts vouchers monthly, with a total annual value of S$120 ! These vouchers can be used for Transport, Food, Mart or Express services by Grab.

Complimentary Travel Insurance

Book your flights with the card to automatically qualify for complimentary travel insurance with a total personal accident coverage of up to US$1,000,000 for you and your spouse.

It also covers travel inconveniences like flight delays and loss of luggage.

📝 Travel Insurance Terms and Conditions

Complimentary Purchase Protection

Purchases made with the card qualify for purchase protection. This covers purchases (made locally or overseas) that are lost or damaged, up to S$10,000 per purchase.

📝 Purchase Protection Terms and Conditions

Pan Pacific DISCOVERY Platinum Membership

Cardmembers can get a complimentary fast track upgrade to the Pan Pacific DISCOVERY Platinum Membership status till December 2023. If you do not already have a Pan Pacific DISCOVERY membership, sign up here .

Pan Pacific DISCOVERY Platinum members get to enjoy perks like a room upgrade and late check-out (up till 3pm) at GHA DISCOVERY properties like Pan Pacific, PARKROYAL, Anantara, Kempinski and Capella.

Complimentary welcome drinks at a curated list of Michelin-starred and fine dining restaurants

Get a complimentary glass of wine (per set menu ordered) at selected Michelin-starred and fine dining restaurants locally and overseas such as Braci, GEMMA, Sommer and 80/20, Bangkok, Thailand.

Up to 50% off dining bill at selected hotel restaurants

Enjoy exclusive discounts of up to 50% at participating restaurants from Pan Pacific Hotels Group, The Fullerton Hotels Singapore, The Ritz-Carlton Millenia Singapore and Sheraton Towers Singapore

UOB Visa Infinite Concierge

Making a luxury purchase or booking a table at a Michelin-starred restaurant? Cardmembers can contact UOB Visa Infinite Concierge for assistance at the following hotlines:

Local : 1800 253 2288 Overseas : +65 6253 2288

Sign-Up Bonus

From now to 31 August 2023, you can receive up to 80,000 bonus miles (equivalent to a First/Suite Class one-way ticket to Japan) and $200 worth of Grab vouchers when you sign up for the UOB Visa Infinite Metal Card .

Here’s a breakdown of the sign-up bonus:

📝 Sign-Up Bonus Terms and Conditions

How Fast can you Accumulate Miles?

As there is no minimum spending required, with an uncapped earn rate, cardmembers can expect to accumulate miles consistently, no matter how much is spent in a particular month.

Here’s an example of how much miles a cardmember can accumulate in 6 months:

*As a reminder, transactions in SGD earns 1.4 miles per dollar spent, while those in foreign currency are rewarded with 2.4 miles per dollar spent.

Best Ways to Redeem Miles from UOB Cards

After conversion from UNI$, cardmembers can redeem miles from Singapore Airlines KrisFlyer and Cathay Pacific Asia Miles for flights to almost any region in the world, even on partner airlines like Japan Airlines, Finnair, ANA, Turkish Airlines and SWISS.

However, because of the low amount of miles required to travel to/from the following cities, I see these “sweet spots” as some of the best ways to redeem miles earned from UOB cards. In other words, you can’t go wrong with any of these high-value redemptions!

Singapore Airlines publishes an award chart that shows the amount of miles required for travel to/from each region.

Here are some of the best ways to redeem your KrisFlyer miles (on Singapore Airlines, at Saver rates):

Key points to note about KrisFlyer miles:

• KrisFlyer miles can be redeemed at “Saver” or “Advantage” rates (as shown in the award chart ). Aim to redeem your miles at the Saver rate for better value.
• Around the middle of every month, Singapore Airlines shares a list of last-minute destinations for you to redeem KrisFlyer miles at a 30% discount.

Miles earned from UOB cards can be converted to Cathay Pacific Asia Miles too, occasionally, with a bonus of 10% to 20% !

Here are some of the best ways to redeem your Asia Miles:

Eligibility and Fees

As a premium card, the UOB Visa Infinite Metal Card has a higher minimum annual income requirement of S$120,000 (previously S$150,000).

The card’s annual membership fee is S$648 (inclusive of 8% GST). Cardmembers can also apply for a supplementary card for a loved one, which will be free for life. Subsequent supplementary cards come with an annual fee of S$290.69 (inclusive of 8% GST).

Is the annual fee worth it?

The annual fee may sound steep, but to me, it is well-justified, considering the generous sign-up bonus (up to 80,000 miles and S$200 worth of Grab vouchers) for the first year.

Renewing the card membership for subsequent years also comes with 25,000 miles, plus 15,000 additional miles upon spending a minimum of S$100,000 in a membership year (total 40,000 miles).

Other great benefits like unlimited airport lounge access for you and your partner, complimentary S$10 worth of GrabGifts vouchers every month (S$120 annually) and dining benefits further improves the value proposition!

Bottom Line

The UOB Visa Infinite Metal Card has undergone significant enhancements, providing cardmembers with a strong local (SGD) earn rate of 1.4 miles per dollar and an enhanced foreign currency earn rate of 2.4 miles per dollar.

Travel and dining benefits of this premium card have been enhanced too, as cardmembers now get unlimited airport lounge visits (+1 guest), up to 50%-off dining bills at selected fine dining restaurants in Singapore and the valuable concierge service, among others.

Click here to find out more about the UOB Visa Infinite Metal Card!

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UOB Visa Infinite Metal Card

All style, all substance.

• 25,000 welcome miles with your annual membership/renewal fee payment 
• Up to 2 miles per S$1 spent overseas, 1.4 miles per S$1 spent locally
• Up to 6 additional bonus KrisFlyer miles with Krisflyer UOB account
• 4 complimentary global lounge access per membership year to over 1,200 global airport lounges
• Up to 25% discount at over 1,000 participating restaurants in airports worldwide
• 5% discount on Limousine and Meet & Greet services
• Unlimited Singtel ReadyRoam during your travels
• Enjoy unsurpassed value at prestigious properties such as Peninsula, Park Hyatt, Shangri-La and more around the world
• International car rental service benefits in 150 countries worldwide
• Up to US$1,000,000 Travel Personal Accident Insurance for you and your spouse
• Travel inconvenience coverage includes lost baggage, flight delays and missed connections
• Indulge in dining privileges of gastronomic proportions at renowned restaurants, all curated for your refined palate.
• UOB Travel Concierge
• UOB Visa Infinite Concierge
• UOB Medical Concierge
• Visa Golf Programme
• And more…

Minimum Age

Minimum income - singaporean/pr, minimum income - foreigner, annual fee (principal card).

S$642 a year

Annual Fee (Supplementary Card)

S$288 a year per card (waived for the first year)

Annual Fee Waiver

Visa Infinite: Everything you need to know, from rental car perks to lounge access

I f you have a card like the Chase Sapphire Reserve® , United Club℠ Infinite Card or the U.S. Bank Altitude Reserve Visa Infinite® Card , you may have noticed that it carries " Visa Infinite " branding.

Since only a few cards in the U.S. are Visa Infinite products, we don't blame you if you're a bit clueless as to what this designation entails. In addition to the cards mentioned, there aren't many other Visa Infinite cards that are easy to obtain.

We'll outline the perks of the Visa Infinite program below, but the first thing to know is that Visa Infinite cards are a step up from the more common Visa Signature designation found on cards like the Chase Sapphire Preferred® Card .

As we review the benefits, remember these are the possible perks available through the Visa Infinite program. Specific issuers can tweak or exclude certain ones, as you'll see with the variation in lounge access benefits.

The information for the U.S. Bank Altitude Reserve card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: The 10 most valuable World Elite Mastercard benefits

Travel and lifestyle benefits

Global entry application fee credit.

This Visa Infinite program will reimburse you for the $100 fee when you apply for Global Entry . While this program is worth signing up for to breeze through immigration, several other premium travel rewards cards also offer a Global Entry fee reimbursement , so this shouldn't factor too heavily in your decision to get a Visa Infinite card.

Car rental privileges

Cardholders get special discounts at car rental providers such as Avis , National and Hertz and are eligible for various VIP amenities. The Visa Infinite program offers primary car rental insurance (more on that later in the post), so using an eligible card could be a great choice for renting a set of wheels.

Visa Infinite Luxury Hotel Collection

When you book a hotel stay with a Visa Infinite card, you'll enjoy perks such as an automatic room upgrade on arrival (when available), free Wi-Fi and complimentary continental breakfast. Your Visa Infinite card will get you all the benefits available to Visa Signature cardholders, plus an extra amenity at over 200 locations.

Note that the extra amenity you receive will vary by location. If you're looking for a particular one, it's a good idea to verify what amenity you'll receive before booking.

Visa Infinite Concierge

Like most premium card programs, the Visa Infinite program includes a dedicated concierge service that can assist with travel and dining arrangements, shopping, access to exclusive events and more. You can expect great service and assistance with almost whatever outing you plan. The service is available 24/7, 365 days a year, and can be used domestically or abroad.

Priority Pass lounge access

Having a credit card with airport lounge access can be a game changer, and Priority Pass is the biggest airport lounge network with more than 1,500 locations worldwide. The exact lounge access privileges you'll get vary depending on the card.

For example, the Sapphire Reserve comes with a full Priority Pass Select membership , which gets the cardholder and up to two guests unlimited lounge visits. On the other hand, the Altitude Reserve card comes with eight Priority Pass lounge visits per year. Each person who visits, whether they're a guest or the primary cardholder, will use up one of these eight passes, so plan accordingly.

Airline incidentals statement credit

With your Visa Infinite card, you may enjoy rebates for certain expenses associated with your flight. Examples include checked luggage charges and inflight food purchases. This benefit isn't included on all Visa Infinite cards, so check your particular card's terms and benefits. For example, the Sapphire Reserve offers an up to $300 travel credit and airline incidental fees are included under eligible charges.

Related: Get perks just for signing up with these loyalty programs

Travel and lifestyle protections

Primary rental car insurance.

Through Visa Infinite, you can get primary coverage* for up to $75,000 due to damage (caused by collision or theft) to a rental car. Visa Infinite cards aren't the only options to offer this coverage — the Chase Sapphire Preferred and a few others do as well — but this is a great perk to have since you won't need to file a claim with your own insurance company in the event of an accident or theft.

Trip cancellation, interruption and delay insurance

Visa Infinite cards offer trip cancellation and interruption insurance.** This includes reimbursement of up to $2,000 per insured trip for nonrefundable expenses when you cancel a trip for a covered reason or when your trip is interrupted or delayed for a covered reason.

There's a full list of "covered reasons," but if you're suffering from a serious illness or injury, you can expect this benefit to be offered. In addition, Visa Infinite provides trip delay insurance.*** You'll get coverage for expenses (up to $500 per day) when a purchased trip is delayed more than six hours or requires an overnight stay.

Lost luggage reimbursement

Yet another travel protection Visa Infinite cardholders enjoy is lost luggage reimbursement.*** If your checked or carry-on baggage is lost or stolen on a common carrier, the program will reimburse you up to $3,000 (up to $2,000 for New York residents) per covered trip.

You're eligible for this coverage when you pay for at least a portion of the travel with your Visa Infinite card or with the rewards associated with the card. Having lost luggage protection is a great way to relieve stress during a trip. It's frustrating when an airline loses your luggage, but you can at least get some compensation with the right protection.

Extended warranty, purchase protection and return protection

When you purchase a product with a warranty of three years or less, you'll get an extra year of coverage*** for up to $10,000 per claim and up to $50,000 per cardholder. This isn't the only coverage option out there; for more options, take a look at our list of the best cards with extended warranty protection .

If an item is stolen or damaged within 90 days from the purchase date — and you purchased it with a Visa Infinite Card — you'll be covered for up to $10,000 per claim (up to $50,000 per cardholder). With purchase protection coverage,*** you can either be reimbursed, have the item repaired or get a replacement.

In addition to purchase protection that covers you in the event of theft or damage, the Visa Infinite program offers return protection*** coverage of up to $300 per item and $1,000 per year when you're unhappy with a product and the retailer won't accept a return. To be eligible, you must pay for the purchase with your Visa Infinite card and file a claim within 90 days of the purchase date.

Other protections that may be included with your Visa Infinite card include cellphone protection, emergency evacuation, hotel theft protection and price protection. Check the benefits of your specific Visa Infinite card to find out if it offers these protections.

*Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit https://usa.visa.com/pay-with-visa/cards/visa-credit-cards/visa-infinite-credit-cards.html#2 for details. Policies are underwritten by Indemnity Insurance Company of North America.

**Terms, conditions and limitations apply. Visit https://usa.visa.com/pay-with-visa/cards/visa-credit-cards/visa-infinite-credit-cards.html#2 for details. Policies are underwritten by Federal Insurance Company.

***Terms, conditions and limitations apply. Visit https://usa.visa.com/pay-with-visa/cards/visa-credit-cards/visa-infinite-credit-cards.html#2 for details. Policies are underwritten by Indemnity Insurance Company of North America.

Related: Should you get travel insurance if you have credit card protection?

Bottom line

Like other premium credit card programs, Visa Infinite offers a nice array of benefits for your rewards credit card .

The airport lounge access and primary car rental insurance can certainly come in handy. Other perks like car rental discounts and special treatment at hotels aren't unique to the program, but they can absolutely add to the value you get from your card — not a bad thing if you're paying $550 a year for the Chase Sapphire Reserve .

Related: United Club Infinite Card vs. Chase Sapphire Reserve

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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Inspire the globetrotter in you with the first one-stop travel portal in Southeast Asia designed by a bank that inspires, helps you plan, and lets you book in one place.

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Skip to higher interest with UOB One Account

Get up to 6% p.a. interest in just two steps. Apply now and get up to S$230 cash! T&Cs apply. Insured up to S$100k by SDIC.

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There's a card for everyone. Click here to find out more on the sign-up offers.

Borrow services.

• Home Loan Calculator
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Get instant cash at 0% interest and low processing fees. Select from flexible tenors of 3, 6 or 12 months.

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Wealth on UOB TMRW. Designed around you.

View and manage your portfolio in one place. Invest, insure, and convert FX easily with just a few taps.

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Get PRUCancer 360 from just S$3.70 per week. Sign up now and enjoy 35% off your first-year premium. T&Cs apply.

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Meet UOB TMRW, the all-in-one banking app built around you and your needs. Bank. Invest. Reward. Make TMRW yours.

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UOB Visa Infinite Metal Card: Get up to 80,000 air miles when you apply today

New-to-card customers: 80,000 air miles

Existing-to-card customers: 40,000 air miles

To qualify, simply spend S$4,000 within 30 days from your Card approval date and make full payment of the non-waivable Card Membership Fee of S$654 yearly (inclusive of 9% GST).

Apply Now   Learn More

Things you should know

Terms & conditions.

• Click  here for up to 80,000 air miles full terms and conditions.

Already an existing UOB Credit Cardholder?

If you are already an existing Principal UOB Credit Cardmember, you can send an SMS application to 77672: Yesvim ‹space› Last 4 digits of existing UOB Card ‹space› NRIC# Example: Yesvim 7890 S1234578H

Here’s something else you may like

UOB One Credit Card

Up to 10% cashback on daily favourites at McDonald's, DFI Retail Group, Grab, SimplyGo, Shopee and UOB Travel.

UOB PRVI Miles Visa Card

Enjoy limitless fun with the highest limitless miles card.

UOB EVOL Card

Own every evolution with the UOB EVOL Card. Get rewarded for shopping at all your go-tos, in-app or online.

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• TD® Aeroplan® Visa Infinite Privilege* Review

The Forbes Advisor editorial team is independent and objective. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive payment from the companies that advertise on the Forbes Advisor site. This comes from two main sources.

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TD Aeroplan Visa Infinite Privilege Review 2024: A Travel Card With Tons Of Additional Benefits

Updated: Jun 4, 2024, 6:49am

Fact Checked

The TD® Aeroplan® Visa Infinite Privilege* card is a top-of-the-line travel credit card. With some of the highest earning potential among comparable cards, and a bevy of additional benefits, including comprehensive travel insurance, this card can be well worth its staggering annual fee.

That said, people who don’t require the additional travel insurance benefits can likely find comparable cards with much lower annual fees, and higher net earnings. But, as it stands, this card is ideal for frequent flyers seeking extensive additional rewards.

• Extensive travel insurance benefits
• High Aeroplan earn rates
• Earns double the Aeroplan points on eligible Air Canada purchases (including Air Canada Vacations®)
• $599 annual fee
• $150,000 minimum personal income requirement
• $199 additional cardholder fee

Table of Contents

Introduction, quick facts, td aeroplan visa infinite privilege rewards, td aeroplan visa infinite privilege benefits, eligibility, how to apply for the td aeroplan visa infinite privilege card, ways to access your td credit card account, ways to pay with your td aeroplan visa infinite privilege card, how the td aeroplan visa infinite privilege stacks up, methodology, is the td aeroplan visa infinite privilege card right for you, advertiser’s disclosure, featured partner offers.

TD Cash Back Visa Infinite* Card

On TD’s Secure Website

Welcome Bonus

Up to $500 in value†

$139 (Get an annual fee rebate available in the first year)

Regular APR (Purchases) / Regular APR (Cash Advances)

20.99% / 22.99%

TD® Aeroplan® Visa Platinum* Card

$89 (first year of annual fee rebated)

TD® Aeroplan® Visa Infinite Privilege* Card

Up to $2,700 in value† including up to 75,000 Aeroplan points†

High-end perks while collecting Aeroplan points? Sign up for the TD Aeroplan Visa Infinite Privilege

• Earn up to $2,700 in value† including up to 75,000 Aeroplan points (enough for a round trip to Honolulu†) and additional travel benefits. Conditions Apply. Account must be approved by September 3, 2024.
• Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†
• Earn an additional 25,000 Aeroplan points when you spend $12,000 within 180 days of Account opening†
• Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening†
• Enroll for NEXUS and once every 48 months get an application fee rebate†.
• Share first free checked bags with up to 8 travel companions† and get unlimited access to Maple Leaf Lounges†, including complementary access for one guest.
• Plus, primary card holders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program†.
• This offer is not available to residents of Quebec.
• †Terms and conditions apply.

The TD Aeroplan Visa Infinite Privilege card offers a wide array of benefits out of the many Aeroplan cards on the market. In addition to a generous welcome bonus, the card has commendable earning potential. Every $1 spent earns 1.5 points on common purchases, namely gas, groceries, travel and dining. With groceries being at peak prices due to inflation, you can expect to earn more points in this economic climate.

Though the $599 fee is high, cardholders have access to many travel-enhancing benefits including complete travel insurance (medical, flight cancellation, baggage, etc.) and up to 28 days of auto rental collision coverage. Cardholders that spend $25,000 annually can purchase a companion pass for their travel partner starting at $99. Perks like these make the higher than average annual fee worth the cost.

• Each dollar spent earns 2 points on Air Canada specific purchases, 1.5 points on gas, dining, travel and grocery purchases and 1.25 points on all other purchases.
• Redeem points for vacations, merchandise, gift cards, hotels and activities.
• Earn double the Aeroplan points by purchasing items with your card and presenting your Aeroplan member number to Aeroplan partner brands—or online through the Aeroplan eStore.

Earning rewards

The TD Aeroplan Visa Infinite Privilege card has robust earning potential with Air Canada direct purchases earning 2 points per dollar; gas, dining, groceries and travel purchases earning 1.5 points; and all other purchases earning 1.25 points per dollar. Compared to other Aeroplan cards, users can expect to earn points at a much faster rate as few other cards have staple purchases (for example, groceries ) at a mid-tier earn rate.

Keep in mind that there is a purchasing cap of $100,000 annually across all categories. Once that limit is reached, all purchases will only earn 1.25 points. Still, a solid base rate.

Plus, there are ways to earn even more points even faster by adding up to three additional cardholders without paying an annual fee. They may receive many of the same benefits you will as the primary cardholder, including purchase security and extended warranty protection, visa zero liability, travel medical insurance, trip cancellation/trip interruption insurance, delayed and lost baggage insurance, mobile device insurance, hotel/motel burglary insurance and even a TD Auto Club Membership. You can also earn extra points at a rate of 1.25 per dollar by setting up recurring bill payments.

If you really want to see how many points you can earn in the first year, TD helps you out with a points calculator where you can use a slider to figure out how much you spend annually in the various purchase categories with accelerated earn rates each month on top of the welcome bonus of 20,000 provided you meet all the spending requirements.

In addition to rewards, cardholders will earn 1,000 Status Qualifying Miles (SQM) and one Status Qualifying Segment (SQS) for every $5,000 charged to the card in net purchases made by the primary or additional cardholders, which earns the primary cardholder additional benefits on Air Canada flights when they reach Elite Status.

Redeeming Rewards

Cardholders can redeem their points on the Air Canada or Aeroplan websites. Options for redemption include flights, flight upgrades, hotels , car rentals, vacation packages or merchandise. Users can also donate their points to a charity of their choice.

The Aeroplan program in general offers decent flexibility when it comes to redeeming points, since users can also use a combination of points and cash.

It is worth noting that Aeroplan points do not necessarily have a fixed dollar value when redeeming them for flights. The value of your points for a flight booking depends on multiple factors such as market value, distance and demand. Cardholders looking to make strategic redemption choices will need to pull out a calculator—for better or worse.

Your points can take you many different places. Air Canada will fly you to over 200 destinations and to over 1,300, together with over 30 airline partners. The Aeroplan homepage also has a points predictor tool where you can see exactly what your points will earn you. Plus, if you’re the primary cardholder, it will take fewer Aeroplan points to get to your destination when you book through aircanada.com.

Rewards Potential

With a $599 annual fee—one of the highest on the Aeroplan card market—one would expect high rewards potential. Based on average Canadian spending, Forbes Advisor estimates cardholders earning a total of $377.71 after subtracting the annual fee. Compared to lower-cost cards, such as the TD Aeroplan Visa Platinum card with an approximate return of $360.80, cardholders should not expect this credit card to have the highest net earning potential among competitors. That said, it’s based on average annual spending, so big spenders might find more rewards value overall.

However, though the card may have moderate rewards potential, its extra benefits, such as travel insurance and priority perks, solidify its place as a high-value card to have for Canadian flyers.

Card Benefits

• Earn a $99 (minimum fee) round-trip companion pass by spending $25,000 annually.
• Access to priority check-in, boarding, baggage handling and airport standby for the cardholder and up to eight companions.
• Full suite travel insurance, including medical coverage up to $5 million for the first 31 days of a trip.

Air Canada Travel Benefits

• Annual Worldwide Companion Pass. As the Primary Cardholder,. you get a companion pass automatically on your Card anniversary if you have spent $25,000 on net purchases and you can buy a companion ticket on flights for $99 on an annual round-trip.
• Priority check-in. You and up to eight travelling companions will receive priority check-in for any trip originating on an Air Canada flight.
• Priority boarding. You get on your flight first every time.
• Priority stand-by. If your put on stand-by, you’ll be the first to be called when seats become available.
• Priority baggage handling.  You and up to eight travelling companions will see your bags among the first on the carousel at baggage claim.
• Priority upgrades.  Be the first to be called upon for upgrades.
• Maintain Aeroplan Elite Status more easily. Primary cardholders who also hold Aeroplan Elite Status can roll over up to 200,000 Status Qualifying Miles (SQM) beyond the status level for which they’ve qualified, from the prior qualification year towards the next qualifying status the next year.
• Enjoy eUpgrades longer.  Primary cardholders that will get Aeroplan Elite Status just by virtue of having this card will also be able to roll over up to 50 Air Canada eUpgrades into the next status year. However, to qualify, you must be approved for the card by December 15th of the current calendar year.
• Complimentary upgrade to Avis President’s Club.  Get two car-class upgrades, a dedicated phone line, expedited service and more just because of this included Avis President’s Club upgrade.

Exclusive Benefits

• Complimentary Visa Infinite Concierge.  Available 24/7, wherever you are with your card, the concierge can fulfill nearly any request, including making hard-to-get reservations, booking tickets, reserving car rentals and more.
• Global Airport Lounge Access.  A complimentary membership in the Visa Airport Companion Program by DragonPass, which entitles each cardholder to six free visits to over 1,200 airport lounges worldwide per year.
• Visa Infinite Privilege Airport Benefits. Receive exclusive perks at Toronto City Airport Terminal, Vancouver Airport, Ottawa Airport and Montreal-Trudeau International Airport, including priority security lanes at domestic and international terminals, priority airport limo and airport taxi lane and 20% off parking.
• Access to exclusive dining events.  These events are hosted by reputable chefs and come with notable wine pairings.
• Seven exclusive hotel benefits. These include late checkout, free Wi-Fi, room upgrades and more when you book through Visa’s Luxury Hotel Collection.
• Access to special events, screenings, wine tastings and golf courses and lessons.  These are from the Visa Infinite Screening Series, the Visa Infinite Wine Country Program and platinum status with Troon Rewards at golf courses around the world.
•  Visa RSVP Rewards Benefit . Enroll  a nd automatically receive Diamond status delivering benefits at over 60 participating Sandman, Sandman Signature and Sutton Place Hotels across Canada and internationally.

Travel Benefits

• Travel medical insurance.  $5 million coverage for the first 31 days. If you or your spouse is aged 65 or older, you are covered for the first four days of your trip. Plus, additional top-up coverage is available if you need it.
• Trip cancellation/interruption. Up to $2,500 per person to a combined maximum of $5,000.
• Flight/Trip delay insurance.  Up to $1,000 in coverage when your flight is delayed up to four hours.
• Delayed and Lost Baggage Insurance . Up to $1,000 of coverage per insured person for the purchase of essentials, such as clothing and toiletries, when your flight is delayed up to four hours. Up to $2,500 in coverage per person for lost baggage.
• Common Carrier Travel Accident Insurance.  Up to $500,000 in coverage for covered losses on common carriers, such as a plane, bus, train, ferry or vehicle rental.
• Auto Rental Collision/Loss Damage Insurance.  Up to 48 consecutive days of coverage.
• Emergency Travel Assistance Services.  A toll-free contact number for  personal emergency help when travelling.
• NEXUS application fee rebate.  An application fee rebate up to $100 every 48 months for priority and expedited passage across the U.S.-Canada border.
• Hotel/Motel burglary insurance. Up to $2,500 of coverage per occurrence for eligible personal items stolen from your hotel/motel room that belong to the Cardholder or eligible family members travelling with them.

Partner Benefits

• Avis Rent A Car or Budget Rent A Car. Save a minimum of 10% off the lowest available base rates in Canada and the U.S., and a minimum of 5% off the lowest available base rates internationally, on qualifying car rentals at participating Avis and Budget locations.
• Rocky Mountaineer. Earn 2 Aeroplan points for every dollar spent on eligible purchases with Rocky Mountaineer.
• Starbucks. Earn 50% more Aeroplan points and 50% more Starbucks Rewards Stars at participating Starbucks stores. Simply link your card to your Starbucks® Rewards account. Conditions apply.

Security Benefits

• Chip & PIN technology. Prevents unauthorized use of the card.
• TD Fraud Alerts. You can automatically receive TD Fraud Alerts to your mobile phone any time we suspect suspicious activity on your card or the card of any additional cardholder
• Visa Secure.  Extra convivence and security when you shop online.
• Cash Advances. You can ask for an emergency cash advance in an amount up to $5,000 (subject to your credit limit).
• Mobile device insurance. Up to $1,500 of coverage in the event of loss, theft, accidental damage or mechanical breakdown for eligible mobile devices.
• Purchase Protection and Extended Warranty.  Get purchase protection if your purchase is lost, stolen or damaged within 120 days of buying it and if there’s a one-year warranty on the product, it will be doubled up to 24 months.
• Manage your card from the TD app. Lock your card and restrict international purchases from the TD app.

Optional Benefits

• Optional TD Auto Club Membership.  Chose from deluxe, standard and business TD Auto Club memberships, which includes 24/7 emergency roadside and towing assistance. Depending on the level chosen, you may receive meals and accommodations or not and towing distance restrictions or not.
• Optional TD Credit Card Payment Protection Plan. The optional TD Credit Card Payment Protection Plan is designed to help you deal with your TD Credit Card payment obligations when you lose your job, become disabled, or die.

Interest Rates

• Regular APR: 20.99%
• Cash Advance APR: 22.99%
• Balance Transfer APR: 22.99%
• Cash Advance fee: 22.99%
• Balance Transfer fee: 3%
• Foreign Transaction Fee: 2.5%
• Annual Fee: $599
• Any other fees: $199 to add an additional cardholder

To be eligible for the TD Aeroplan Visa Infinite Privilege, you need to fulfill the following requirements.

• You are a Canadian resident and are of the age of majority in your province/territory of residence.
• Have $150,000 annual personal income or $200,000 annual household income.
• Have a valid email address for digital transactions.
• You can be approved for a credit limit of at least $10,000.

If you are looking to apply for the TD Aeroplan Visa Infinite Privilege Card, follow the steps below once you navigate to the TD Bank website.

• Make sure you fulfill all eligibility requirements.
• Click “Apply” on the TD Aeroplan Infinite Privilege landing page.
• Review the terms and conditions and click “I Agree” to continue.
• Enter your full name, date of birth, phone number, email address and residential address.
• Fill out your employment status, annual income and confirm your residential status
• Review your information and submit your application.

There are several ways to access your TD credit account with the following services:

• EasyWeb (TD’s online banking interface)
• EasyLine (TD’s telephone banking interface)

There are several payment options that are built into the TD Aeroplan Visa Infinite Privilege Card that you can take advantage of.

• Set up regularly recurring bill payments on your account. Save time and avoid late fees by ensuring bills will always be paid on time automatically. Plus, earn 1.25 Aeroplan points for every dollar on regularly recurring bill payments on your account.
• Apple Pay. If you have an iPhone, just a tap of your device to make a payment at participating merchants.
• Samsung Pay. If you have a Samsung Galaxy phone, just a tap of your device to make a payment at compatible merchants.
• Google Pay. If you have an Android phone, make everyday purchases by just tapping your device at merchants that have Google Pay advertised.
• Add your Card as the primary card on your favourite apps. From food delivery to transportation apps, earn Aeroplan points on purchases made through those apps on your phone.

TD Aeroplan Visa Infinite Privilege vs. American Express Aeroplan Card

Both of these cards are travel-specific cards and carry similar earning potential: both cards earn two times the points on Air Canada purchases and 1.5 points per dollar for dining. Visa’s card comes ahead in terms of earnings, as its lowest base rate is 1.25 points compared to Amex’s 1 point.

Conversely, the American Express Aeroplan Card® carries a much lower annual fee of $120—while still offering various types of travel insurance. However, the TD Aeroplan Visa Infinite Privilege comes with more robust coverage, making the higher annual fee an investment with solid returns—so long as they are utilized.

TD Aeroplan Visa Infinite Privilege vs. CIBC Aeroplan Visa Infinite Privilege Card

As both of these cards come with identical benefits through the Visa Infinite Privilege program, this comparison comes down to the wire. Both cards carry a high $599 annual fee, but CIBC’s can have $139 of it rebated every year—so long as you open a CIBC Smart Plus Account.

Both cards have identical earning potential across tiers and categories (e.g. both offer 1.5 points for grocery spending), but TD’s Visa card comes with a higher welcome bonus amount. New customers can earn up to 85,000 Aeroplan points† in the first year. CIBC on the other hand, is currently offering up to 80,000 Aeroplan points in the first year.

Taking into account the fact that both have identical earnings but dissimilar welcome offers, rebate options and that TD’s equivalent has less stringent credit rating requirements, we think TD’s offering comes out slightly ahead.

TD Aeroplan Visa Infinite Privilege vs. TD Aeroplan Visa Infinite Card

The TD Aeroplan Visa Infinite* card is TD’s travel card for those that don’t meet the stringent income requirements for the Visa Infinite Privilege. It comes with a much lower fee of $139 per year, but has limited earning potential: the top-tier earnings are 1.5 points per dollar compared to 2, and a base rate of 1 points per dollar compared to 1.25. Moreover, the lower-tier card carries less travel benefits coverage (for example, $2 million medical insurance vs. $5 million). Another major difference is the lack of worldwide companion pass for $99 and up—that’s savings TD Aeroplan Visa Infinite cardholders are missing out on.

Setting aside the travel coverage and other benefits, if you’re simply looking for a card with a high net-earning potential without bells and whistles, TD’s Aeroplan Visa Infinite card is a good match.

When determining a rating for individual credit cards, the Forbes Advisor Canada editorial team factors in an exhaustive list of data points. With rewards, the scoring model used takes into account factors such as, but not limited to, rewards rates and categories, fees, welcome bonuses and other benefits and features. Keep in mind, what may be best for some people might not be right for you. Conduct informed research before deciding which cards will best help you achieve your financial goals.

TD’s premium Visa travel card comes with substantial travel benefits for frequent flyers, but at a steep price. Its earning potential is high compared to competitors, but the price tag warrants use of the card’s additional benefits (e.g. travel insurance, companion pass) to increase its rate of return relative to costs. Consumers looking to earn Aeroplan points at a similar rate without the extra bells and whistles that accompany a high fee, will find other less-expensive cards more useful.

Related : Find the Best Credit Card for Canadians

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Frequently asked questions (faqs), is the td aeroplan visa infinite privilege card worth it.

For some. If you’re a low spender who doesn’t travel often, I’d probably skip this card. However, it’s a must-have for frequent flyers. To make the best use of the card given its high fees, it’s best to utilize its many travel benefits, such as travel insurance, rental car insurance and the like.

Do you get lounge access with the TD Aeroplan Visa Infinite Privilege?

Yes. Cardholders have free access to Air Canada’s Maple Leaf Lounge. The primary cardholder also receives a complimentary membership to the Visa Airport Companion Program, allowing them to take six complimentary lounge visits—per year—at select airports†

What is the income requirement for the TD Aeroplan Visa Infinite Privilege?

The income requirements are $150,000 annual personal income or $200,000 annual household income, respectively.

*Our partners are not responsible for anything reported by Forbes Advisor. To the best of our knowledge, everything is accurate at the time of publishing as of the date posted. For full information and details, please visit the advertiser’s website.

† Terms and Conditions Apply

Brett Surbey is a corporate paralegal and writer based out of Alberta. His work has appeared in Publishers Weekly, Thrive Insider, and various academic journals. He lives with his wife and two children.

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Save more on every Grab ride you take when you pay with any of these five Singaporean credit cards.

The 5 Best Travel Credit Cards in Malaysia

CompareHero.my Team

Let's look at the details of each travel credit card and how they can be your perfect travel companion. 

😍 HSBC TravelOne Credit Card

Here's a card that doesn't just reward you, it helps keep you safe when you travel. It offers an instant cash advance option. You'll be able to cash out with any ATM worldwide within 24 hours in cases of emergencies where credit cards are not accepted. Additionally, the card comes with a generous complimentary travel insurance coverage, up to $250,000.

Avid traveler will love the instant redemption option, available for a wide range of airlines and hotels via the HSBC Malaysia Mobile Banking app.

Apart from being able to claim reward points from hotels and airlines, you can gain points from overseas spending too. 

Main benefits:

• Reward points for a wide range of local and international travel and dining including up to 8X points for overseas spend and 5X points for local travel and dining spend.
• Complimentary travel insurance coverage of up to USD250,000 in travel insurance coverage (including travel medical, travel inconvenience – flight and baggage delay, baggage loss, COVID coverage, etc).
• 6X Complimentary access to participating Plaza Premium Lounges worldwide per year.

🌴UOB PRVI Miles

The UOB PRVI Miles Credit Card is the perfect card for those who love collecting points. The card rewards you with UNIRinggits (UNIRM) for your spending.

This includes instances when you need to make travel agency bookings, which aren't found with many other cards. 

The 50% discount on Grab rides offered by this card is bound to come in handy for  airport transfers and for domestic trips too. 

• Earn 5X UNIRM reward points on overseas, hotel, airline and travel agency spend to redeem as you please
• Get a 2,000 UNIRM bonus when you make a retail spend at least 3X per month (minimum spend applies and with limited redemptions).
• 50% OFF on Grab Rides (up to RM10 off and with limited vouchers).

🚢 Standard Chartered Journey Credit Card

Here's the card for those that want to travel in style. With the Standard Chartered Journey card, you'll be able to fully enjoy unlimited access to the comforts and amenities of the Plaza Premium Airport Lounge at both KLIA 1 and 2. Waiting for you flights will now be a luxury experience rather than a chore. 

Additionally, you can also save on travel expenses when you redeem Miles points, which rewards you for overseas spend too. Your savings will be further enhanced with complimentary Grab airport transfer and waiver of the first year annual fees .

• Redeem 1 Mile for every RM 1 spent on dining, travel and overseas purchases. Travel spend includes airlines, hotels and online travel agencies.
• Get 1 Mile for every RM5 local spend.
• Unlimited access to KLIA, KLIA2 airport lounges.
• Complimentary airport transfers via Grab.
• Travel insurance coverage of up to USD100,000.
• Complimentary E-Commerce Purchase Protection when you shop online with up to USD200 coverage.

✈️Alliance Bank Visa Infinite Credit Card

Here's a card that you can count on when you're in a pinch overseas. The Alliance Bank Visa Infinite doesn't just reward you for overseas spend, it provides you 24/7 support which will come in handy if you ever face any payment issues while travelling. 

Apart from that, you can enjoy flexible payment plans with 0% interest rates when you spend on flight tickets, hotel bookings and overseas purchases. This is bound to give you more room in managing your finances when planning a trip.  Main Benefits:

• 8X TIMELESS BONUS POINTS on e-commerce and eWallet top-ups, which will never expire. 
• 5X Timeless Bonus Points on overseas, groceries and dining spend.
• 0% Flexi Payment Plan for Flight Tickets, Hotel & Overseas spend.
• 2X Complimentary access to participating Plaza Premium Lounges worldwide.
• 24/7 personalized assistance in dining, travel and entertainment at home or abroad!

🚋 Hong Leong Sutera Platinum

The Hong Leong Sutera platinum is the best travel credit card in Malaysia for young adults and solo budget travelers. With its minimum income limit at RM3,000 this highly accessible card allows you access to various travel perks. 

Chief of these benefits is 8X reward points for online, overseas, groceries and dining spend. These reward points can then be used to redeem hotel and dining vouchers, as well as frequent flier miles. 

Hong Leong also covers you with up to RM1.7 million in terms of travel insurance if you're a card holder. 

🌏CIMB Travel Platinum

This accessible card from CIMB comes with perks for everyday use, and not just for travel. Although it is a travel-centric card, you'll be able to own it with just a minimum monthly income of RM2,000. On top of that, it has ZERO annual fees, which is waived for life. 

Enjoy 5X Bonus Points for every RM1 spent on airlines and overseas transactions. Additionally, you'll get up to RM1 million travel insurance coverage and 4X complimentary access to Plaza Premium Lounge annually.

😁 Maybank Visa Infinite

For the luxury business traveller, there's the Maybank Visa Infinite, which is designed for those who need to travel frequently for work. Among the attractive features include access to both international and local golf clubs, and a Visa Airport Speed Pass at over 280 international airports, where you'll be fast-tracked at immigration. 

There's also 5X complimentary access to Plaza Premium Lounge, and various promotions and discounts at fine dining establishments. Earn up to 5X TreatsPoints on overseas spend and an annual fee waiver on the first year of use. 

In subsequent years, you'll enjoy free annual fees when you spend at least RM80,000 per year on the card.

The Bottom Line

As a frequent traveler, a travel-friendly credit card will give you plenty of perks and advantages. However, it's the savings you get when you redeem airmiles points that will truly make your trip worthwhile. 

At CompareHero, you'll see all our travel-centric credit cards on one platform. This lets you weigh your options and make more informed decisions as to which cards truly suit your travel style. 

If you're still unsure, find out more by contacting us and we'll help you along with any questions you may have.

The CompareHero.my team is comprised of many talented individuals, sharing their knowledge, experiences and research to help others make better financial decisions.

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Which credit cards have the smallest miles conversion blocks?

From 1 mile to 10,000 miles, the minimum conversion blocks for Singapore credit cards differ greatly. Here's how to make sense of it.

Unless you’re spending on an airline cobrand card like the AMEX KrisFlyer Ascend or KrisFlyer UOB Credit Card, you’re technically earning bank points , not airline miles. 

Therefore, you’ll need to convert your points into miles before redeeming them, which then raises the question: how many must you convert at one time? This is known as the minimum conversion block.

How does the minimum conversion block vary by bank?

The minimum conversion block starts from as little as 1 mile and goes as high as 10,000 miles. 

Don’t assume a bank applies the same policy across all its cards! Some banks have multiple points currencies, each with its own minimum conversion blocks. For example:

• OCBC Rewards/Premier Visa Infinite Cardholders transfer OCBC$ in minimum blocks of 25,000 points (10,000 miles)
• OCBC 90°N Cardholders transfer 90 ° N Miles in minimum blocks of 1,000 points (1,000 miles)
• OCBC VOYAGE Cardholders transfer VOYAGE Miles in minimum blocks of 1 point (1 mile)

Even if the points currency shares a common name, the minimum conversion block may vary depending on card:

• Standard Chartered Visa Infinite and Journey Cardholders transfer SC Rewards Points in minimum blocks of 25,000 points (10,000 miles)
• All other Standard Chartered cardholders transfer SC Rewards Points in minimum blocks of 34,500 points (10,000 miles)
• AMEX Platinum Charge and Centurion Cardholders transfer Membership Rewards Points in minimum blocks of 400 points (250 miles)
• All other AMEX cardholders transfer Membership Rewards Points in minimum blocks of 450 points (250 miles)

I’ve also added a green label indicating whether points are pooled. Points pooling means the points earned on different cards within the same bank can be combined and redeemed at one go, and mitigates the effect of a larger conversion block.

For example, DBS has a minimum conversion block of 10,000 miles, and pools points. If I have 5,000 miles on my DBS Altitude AMEX and 5,000 miles on my DBS Vantage, I can redeem one block of 10,000 miles.

In contrast, Citibank has a minimum conversion block of 10,000 miles, but does not pool points. If I have 5,000 miles on the Citi Rewards Mastercard and 5,000 miles on the Citi Rewards Visa, I cannot transfer anything until I earn a further 5,000 miles on each card.

Also note the unique arrangement that HSBC has. While you need to convert a minimum of 10,000 miles, the subsequent conversion block after that is just 2 miles. For instance, you could convert 10,496 miles or 30,338 miles if you were so inclined. This means that so long as you have at least 10,000 miles in your account, you can cash out your entire balance with almost nothing leftover. 

Why do smaller conversion blocks matter?

While most banks have gone with 10,000 miles as their default minimum conversion block, smaller conversion blocks are much more customer-friendly.

Maintain flexibility

Most banks offer conversions to multiple frequent flyer programmes, and a small conversion block enables you to transfer just the number of miles you need, keeping the rest of your points for transfers to other programmes as needed.

Maximise validity

Your points have “two validities”: one on the bank side, and one on the airline side.

For example, AMEX Membership Rewards points never expire. Once they’re converted into KrisFlyer miles, however, they expire in three years. UOB UNI$ expire in two years, but if you max out their life before transferring them to KrisFlyer, you get a total of five years. 

Therefore, it makes sense to keep points on the bank side until they’re needed, and smaller conversion blocks help with that. 

Avoid orphan points

In the event you need to cash out your points and close your card account, smaller minimum conversion blocks help reduce orphan points. 

For example, suppose John spends S$10,000 each on the Citi PremierMiles Card and OCBC 90°N Mastercard. At an earn rate of 1.2 mpd, he will have:

• 12,000 Citi Miles
• 12,000 90°N miles

Now suppose he wants to close both cards. Since the minimum conversion block for Citibank is 10,000 Citi Miles, he’ll have 2,000 Citi Miles leftover (known as orphan points) which can only be spent for vouchers or cash rebates at a rather poor rate. But since the minimum conversion block for OCBC is 1,000 Travel$, he can cash out his entire balance with nothing leftover.

Is there any way to reduce conversion blocks?

Auto-conversion programmes.

DBS and UOB offer auto-conversion programmes that automatically convert points to miles, with a smaller minimum conversion block

• DBS’s programme costs S$43.60 per year and is available to DBS Insignia, Treasures Black Elite and Altitude cardholders. The minimum conversion block is reduced to 500 DBS Points (1,000 miles)
• UOB’s programme costs S$50 per year and is available to all UNI$-earning cards. The minimum conversion block is reduced to 2,500 UNI$ (5,000 miles)

Reducing conversion blocks via Kris+

Kris+ supports instant transfers from Citi Miles & ThankYou points, DBS Points and UOB UNI$ to KrisPay miles, which can then be instantly converted into KrisFlyer miles at a 1:1 ratio. 

With Kris+, the minimum transfer block is reduced to as low as 200 miles, as shown below.

Here’s the catch: there’s a 15% haircut  compared to the number of miles you’d receive via the bank’s transfer portal (e.g. 100 DBS Points is normally worth 200 miles via the DBS Rewards portal, but only 170 miles via Kris+).

On the plus side, you get to avoid the bank’s usual S$27 transfer fee. Assuming you value a mile at 1.5 cents, a S$27 transfer fee would be equivalent to ~1,800 miles,  which given a 15% haircut means your indifference point is roughly around the 12,000 miles mark. If your miles account just needs a small top-up, it might make sense to take this route instead.

Other ways of doing small top-ups

If you just need a small top-off your KrisFlyer account, there are other alternatives besides transferring credit card points, such as spending with a Kris+ merchant or transferring CapitaStars, GrabRewards points or Linkpoints.

For the full details, refer to this post.

Instant and quick ways to top-up a KrisFlyer miles balance

In an ideal world, conversion blocks would be in the hundreds of miles, if not less. But unfortunately, 10,000 miles is where most of the market has settled, though there’s noticeable exceptions for American Express, OCBC and HSBC (where the conversion block is just 2 miles after the first 10,000 miles block).

All things equal, I’d try to earn points with banks that have smaller conversion blocks, just to minimise the issue of orphan miles and keep my flexibility. 

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Dbs cards offering extra $100 cashback on dining, shopping & travel, hsbc revolution nerfs 4 mpd for contactless payments and travel transactions.

DBS Insignia also waives the conversion fee

off topic but i’d think miles chasers ought to know: how voyage miles have changed now in that it is no longer full availability, am finding that a lot of the first class flights that are available directly from SQ website are not showing up on the travelwithOCBC portal. (try first class flights to NRT or SYD in March 2023)

Quite important to consider as OCBC used to market heavily on how it doesn’t need awards availability but now there is a bucket that is seemingly decreasing in availability.

Thanks for the heads up. Curious, did you try calling voyage concierge to see if they see different stuff? Per my understanding travel with ocbc and voyage concierge have 2 diff systems but I could be wrong

True they are different providers and are potentially drawing from different buckets. I have ever had Voyage Concierge book tickets which were not available on TravelwithOCBC and also vice versa bought tickets on TravelwithOCBC which Voyage Concierge insisted flight not available. In this specific case I had not asked concierge as I have not firmed up my travel plans yet.

However I find it quite disconcerting that while ample first class flights are available direct, the travel portal is returning no results.

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