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Update: UOB increased the reward rate for overseas spending on this card from 2 mpd to 2.4 mpd effective 1st Jun 2023. We estimate this has minimal impact on the overall reward yield for the Infinite Metal, increasing the yield by about 0.05% across spending levels. This change (reflected below) does not have a meaningful impact on the ranking of the card in Singapore or among the cards offered by UOB. The Infinite Metal now also offers unlimited lounge access (vs. 4 visits a year earlier), which is a more meaningful change. Our preferred cards in Singapore remain unchanged.
| Monthly Spend | S$1K | S$2K | S$4K | S$6.5K | S$10K |
|---|---|---|---|---|---|
| Reward Yield | 2.0% | 2.1% | 2.1% | 2.1% | 2.1% |
| Est. Monthly Reward (S$) | 15 | 40 | 80 | 130 | 205 |
| All-Singapore Rewards Rank* | 23 | 18 | 11 | 6 | 5 |
| Within Bank Rank* | 6 | 7 | 6 | 3 | 3 |
| * Based on est. net reward yield for more than 70 credit cards in Singapore, for each monthly spending level. Read about how we calculate the net reward yield here & here. | |||||
The UOB Visa Infinite Metal Card gives effective rewards of 3.4% on all foreign spending and 1.96% on all local spending with no monthly caps.
Overall, we estimate you can earn a reward yield of 2.0 – 2.1% on all your spending with this card in a month.
The Metal Card also bundles a number of services like limited assistance with minor home repairs, car and travel. You also get access to the Visa Concierge, UOB Medical Concierge and unlimited Dragon Pass lounge visits with this card.
The Visa Infinite Metal has a non-waivable annual fee of S$648 and requires a minimum annual income of S$120,000.
While this a pretty good card, it is hampered by the high annual fee and a lower than best-in-class reward rate.
Keep scrolling to see our recommendations for the best cards in Singapore.
| Card | UOB Visa Infinite Metal Card |
|---|---|
| Card Type | Rewards |
| Reward Features | 2.4 mpd on Foreign Spends
1.4 mpd on all Local Spends |
| Reward Caps | Unlimited |
| Other Rewards & Benefits | – Unlimited access to Dragon Pass Lounges worldwide
– Limited access to Home, Auto, Travel assistance – Access to Visa Concierge and UOB Medical Concierge – Complimentary GrabGift Vouchers Monthly |
| Preferred Redemption Method | Convert to KrisFlyer Miles @ 1 UNI$ = 2 KrisFlyer Miles on the UOB Rewards site.
Avoid cashback option as it earns S$0.01 – 0.02 / UNI$. Converting to KrisFlyer Miles earns S$0.028 / UNI$^ or nearly 40 – 140% higher. |
| Fee for Points to Miles Conversion | S$42.80 |
| Minimum Points for Conversion to Miles | 25,000* |
| * Due to the conversion fee of S$42.80, converting a smaller number of points to miles is uneconomical.
^ Assuming S$0.014 / KrisFlyer based on our estimates. |
|
| Card | UOB Visa Infinite Metal Card |
|---|---|
| Income Criteria | S$120,000 |
| Annual Fee | S$648 |
| Min. Annual Credit Card Spend for Fee Waiver |
N/A |
| Supplementary Card Fee | S$290.69 ( 1st Card Free) |
| Interest Rate | 26.90% |
| Foreign Currency Markup | 3.25% |
| Cash Advance Charge | N/A |
The Maybank Family & Friends Credit Card is the best credit card in Singapore if you charge less than S$4,000 a month to your card.
It has the highest cashback rate of 8% on 5 spending categories of your choice and also the highest monthly cashback cap of S$125.
We estimate you can earn a net reward yield of 3.0 – 4.8% with this card on monthly spends between S$800 – 4,000.
The KrisFlyer UOB Credit Card is the best rewards card in Singapore for monthly spends above S$4,000 a month.
You can earn up to 3 miles per dollar spent with this card on dining, travel & online fashion and 1.2 miles per dollar on most other transactions.
We estimate you can earn a net reward yield of 2.5 – 2.8% on all your spending with this card.
The Citi Cash Back+ is the best cashback credit card if you spend more than S$7,800 a month on your card. Its cashback rate of 1.60% with no caps, overall or by category, is one of the highest in Singapore.
Learn more about which is the best card for you by reading our pieces on the best rewards card, the best cashback card and the best card combos in Singapore.
If you drive, consider our piece on the best card for petrol and if you’re a travel bug, read about the best card for travel.
Questions? Suggestions? See a mistake? Write to us!
2.2 VOYAGE Miles / S$1 on Foreign Spends and 1.3 Miles on Local Spends. Unlimited Complimentary Airport Lounge Visits. Above average but not great, high fee.
3.2 KrisFlyer mpd on Grab, 2 mpd on Singapore Airlines & KrisShop and 1.2 miles on the rest. Overseas spends earn 2 mpd in June & December only.
6.67% cashback on Shopee, Grab, SimplyGo, Giant, Cold Storage, CS Fresh, Jasons & UOB travel. All other spending earns 3.33% cashback capped at S$200 / Qtr.
