9 Best UOB Travel Credit Cards in Malaysia to Master Your Miles this 2026

Looking for the most powerful credit cards in Malaysia that not only help you earn miles but also offer perks like airport lounge access?

Then you're in the right place. UOB’s offerings are serious contenders.

UOB’s UNIRinggit (UNIRM) rewards programme lets you redeem miles, gift vouchers, lifestyle products, and even cashback.

If you previously held Citibank travel cards, your Citi Rewards Points were moved to UOB UNIRM following the 2023 business sale. Good news: these ported points never expire, giving you the flexibility to redeem them at your own pace.

In this article, we’ll give you the lowdown on the best UOB travel credit cards for your needs and show how you can use Wise as a companion card to maximise your savings.

A quick comparison of UOB travel credit cards (2026)

The truth is, even the best Malaysian credit card for overseas spending has its limits. UOB cards are excellent for travel perks. But the high transaction fees charged by banks can quickly outweigh the rewards you've earned.

There is a great workaround, though.

By pairing your UOB travel cards with the Wise card, you’ll get the best of both worlds: you’ll get lounge access and earn points, while also spending overseas at the mid-market exchange rate.

Which UOB travel credit card is right for you?

Before going on a deep-dive, here's a brief overview of why each card is great:

UOB Visa Infinite Metal Card: The luxury flagship

For people who want the ultimate flagship travel card, the UOB Visa Infinite Metal Card is the card to aspire to. This is purely by invitation, however, so we’ll focus more on the normal Visa Infinite card that can be applied for.

The UOB Visa Infinite card comes with 12 complimentary lounge visits (in the APAC region) per year via the DragonPass app, as well as 10X UNIRM points for every 1 MYR spent overseas and 5X UNIRM points for local dining spend (with a minimum spend of 1,000 MYR per month).

Due to the higher 120,000 MYR per annum income requirement, this card is more targeted towards high earners and frequent flyers who want lounge access and are frequently spending money overseas as well as in Malaysia.

UOB PRVI Miles Elite: For frequent flyers

All overseas spending in Singapore, Thailand, Vietnam, and Indonesia on this card will net you 12X UNIRM points per 1 MYR spent, with no cap on how much you can earn.

You'll get 10X UNIRM points on all other overseas spending in other countries, which isn’t too shabby either.

Plus, you get 8 complimentary lounge visits per year, and up to 2 free Grab rides home per month (80 MYR cap) but you need to make at least 3 overseas transactions to be eligible for the latter.

There's also the standard UOB PRVI Miles card, which has a lower income requirement of 60,000 MYR per annum. It offers 5X UNIRM points on overseas spend and travel categories, and you can get an additional 2,000 bonus UNIRM with a minimum monthly spend. You do lose the lounge access perks, however.

If you’re a frequent flyer all around Southeast Asia and you want a fuss-free experience without micromanaging your spending on different cards, the PRVI Miles Elite card is perfect.

UOB Zenith Card: For playing the miles game

The UOB Zenith Card is meant for frequent flyers and people who want to get the most out of their miles redemptions.

This is the card with the most efficient redemption rate, requiring only 7,400 UNIRM points to redeem 1,000 miles for Malaysia Airlines’ Enrich Miles, Singapore Airline’s Krisflyer Miles, Cathay Pacific’s Asia Miles, or AirAsia’s AirAsia Points.

Additionally, you get 12 lounge visits per calendar year, and travel insurance coverage of up to 1,000,000 MYR.

You’ll have to be a high earner to apply for this card, however, with a 192,000 MYR income requirement per annum. For people who haven’t gotten an invitation for the Visa Infinite Metal card, this could be a good card to use in the meantime.

UOB World Card: A lifestyle and travel hybrid

If you can’t hit the high income requirements of other travel cards just yet, don’t lose hope.

The UOB World Card offers some decent travel perks like accelerated UNIRM earnings on e-commerce spend, e-wallet top-ups, spending at selected departmental stores and supermarkets, as well as overseas spend.

You also get 6 complimentary lounge visits, although it’s limited to the Plaza Premium Lounge and UOB Private Lounge at KLIA Terminal 1.

For people who aren’t earning big bucks yet, this could be a decent card with travel perks to tide you over until you qualify for other cards with better rewards.

UOB Lady’s Solitaire and Lady's Card: For fashion and groceries

Don’t let the name fool you, UOB allows both men and ladies to apply for the UOB Lady’s card, and if most of your monthly spending is on groceries and clothing, this card might work well for you.

With 10X UNIRM points per every 1 MYR spent on fashion merchants and 5X UNIRM points per 1 MYR spent on groceries, you’ll be racking those points up quickly if it fits your spending profile.

If you’re able to meet the income requirement (120,000 MYR per annum), you have the option of applying for the UOB Lady’s Solitaire card, which offers 6 lounge visits (limited to Plaza Premium Lounge and UOB Private Lounge at KLIA Terminal 1) each year and an extra 5X UNIRM for every 1 MYR spent overseas or online in foreign currencies.

Fashionistas and people who are in charge of buying their household groceries each month might want to consider this card, as they’ll be able to benefit greatly from the accelerated UNIRM earnings in those merchant categories.

Bonus: UOB EVOL Card: A digital-first cashback alternative

The UOB EVOL Card isn’t technically a travel credit card, but it does offer 5X UNIRM points on dining and entertainment spend, as well as 1X UNIRM for every 1 MYR spent on retail purchases. There’s no minimum spend or cap to get the accelerated UNIRM points.

This card is ideal for low spenders who want to chalk up points while paying for their daily expenses.

Why not pair UOB with Wise for maximum savings?

Wondering how you can get the most out of your UOB card and Wise together?

Perhaps you can use your card for lounge access at the airport, and to book big ticket expenses like your hotel stays.

But when you’re actually there, using Wise for shopping and dining at restaurants will help you save on admin fees and Dynamic Currency Conversion (DCC) fees, while offering you mid-market exchange rates so you get more out of your money.

Use money like a local with the Wise card

The Wise card lets you spend in 40+ currencies at the mid-market rate including CNY, JPY, GBP, and SGD so you know you'll be getting a great deal in over 150+ countries. Simply create a free Wise account, order a card and top-up MYR to get started.

Virtual cards are free and can be added to your Google or Apple Pay wallet, while a physical Wise card can be ordered for a low fee of 13.70 MYR. Having a physical Wise card allows you to make chip and pin payments, as well as two free ATM withdrawals to the value of 1,000 MYR each month, before low fees start.

While abroad, you can choose to spend with directly in MYR and let auto-conversion do the trick, or convert to your desired currency with your Wise account. Either way, you’ll get the exchange rate you see on Google, with low, transparent fees from 0.71%.

💳 Get your Wise card today

Frequently asked questions

Which UOB travel credit card has airport lounge access?

The invitation-only Visa Infinite Metal card has unlimited airport lounge access, while the Visa Infinite and Zenith cards get 12 lounge visits a year.

Just take note that for the Visa Infinite, lounge visits are only valid till 31 Dec 2026 for principal cardmembers, while for supplementary cardmembers, this only applies till 28 February 2026.

The PRVI Miles Elite card gets you 8 lounge visits a year, while the UOB Lady’s Solitaire and World cards get you 6 lounge visits a year, limited to Plaza Premium Lounge and UOB Private Lounge at KLIA Terminal 1.

Can I use my Malaysia UOB travel credit card overseas?

Yes, you can use Malaysian UOB travel credit cards overseas, although your transactions may be subject to admin and DCC fees when spending in a foreign currency.

What is the most prestigious travel credit card by UOB?

The most prestigious travel credit card by UOB is the UOB Visa Infinite Metal card, which is by invitation only and commands a 3,000 MYR annual fee.

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Sources:

1. UOB Visa Infinite Metal card
2. UOB Visa Infinite card
3. UOB Zenith card
4. UOB PRVI Miles Elite card
5. UOB PRVI Miles card
6. UOB Lady’s card
7. UOB World card
8. UOB EVOL card

Sources checked on 27/01/2026