UOB Visa Infinite Metal Bonus MCC Categories
The UOB Visa Infinite Metal earns bonus rewards when you spend at merchants with specific MCC (Merchant Category Code) codes. Here's a breakdown of which categories earn bonus rates:
1. Overseas FCY Spend — 2.4 MPD
Foreign-currency transactions earn UNI$6 per S$5 (2.4 MPD). SGD-charged overseas spend and FCY online purchases via SG gateways earn the local 1.4 MPD rate.
| Category | MCC Codes | Top Merchants |
|---|---|---|
| Overseas FCY Spend | All | Overseas retailers, Overseas dining, Travel spend |
Tips to Maximize UOB Visa Infinite Metal Rewards
- The S$654 annual fee is strictly non-waivable — the 25,000-mile annual bonus is effectively its compensation
- Exclusions apply to BOTH local and overseas earn (T&C §1.3/1.4)
- Unlike PRVI, the VI Metal list does NOT exclude education MCCs — but utilities, insurance, parking and quasi-cash still earn zero
- 12 DragonPass lounge visits per year (register in month 1); UNI$-to-miles conversion fee waived
Frequently Asked Questions
What MCCs are excluded from UOB Visa Infinite Metal?
Per T&C §1.5(h): 4829, 4900, 5199, 5960, 5965, 5993, 6012, 6050, 6051, 6211, 6300, 6513, 6529, 6530, 6534, 6540, 7349, 7511, 7523, 7995, 8062, 8398, 8651, 8661, 8699, 8999, 9211, 9222, 9223, 9311, 9399, 9402, 9405. Notably, education 82xx codes are NOT excluded — a difference from the PRVI Miles list.
Is the UOB VI Metal annual fee waivable?
No. The S$654 fee (incl. 9% GST) is strictly non-waivable for the principal card. Each fee payment comes with a 25,000-mile annual bonus.
What income do I need for UOB VI Metal?
Minimum annual income of S$120,000 for Singaporeans/PRs and foreigners, age 21+.
Last Updated: October 2026 | MCC codes and card rewards may change. Always verify with CheckMCC and your card issuer.