While a Visa Infinite Card might not be the status symbol it was two decades ago โ when it launched in Singapore with a minimum income requirement of S$350,000 and labelled โan exceedingly exclusive card for the mega-richโ โ itโs not quite a mass market product either.
The general rule is that applicants must earn at least S$120,000 per annum, or have a priority banking relationship in order to get a card.
But what if I told you that thereโs a secret Visa Infinite card you can get with a minimum income of just S$30,000 โ and no priority banking relationship necessary?
The UOB PRVI Miles Visa is now a Visa Infinite
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Back in 2017, I wrote about an intriguing turn of events: that the UOB PRVI Miles Visa had suddenly joined the Visa Infinite ranks. This coincided with a transition period for the card, when it was in the midst of reducing its minimum income requirement from S$80,000 to S$50,000, and then ultimately S$30,000.
However, the Visa Infinite party didnโt last long, and from April 2018, newly-issued UOB PRVI Miles Visa cards were part of the Visa Signature tier.
But now somethingโs happened again. Recent applicants have reported that newly-issued UOB PRVI Miles Visa cards have BINs (bank identification numbers) belonging to the Visa Infinite range!
For the sake of science (and an extra four lounge visits), I got The MileLioness to apply for a UOB PRVI Miles Visa, and sure enough, the BIN checker confirmed that it was indeed a Visa Infinite.
To be clear, if you have an older vintage UOB PRVI Miles Visa, it wonโt be magically upgraded to a Visa Infinite. This only applies to recently-issued cards, though exactly how recent I do not know. I suppose if you reported your card lost and got a replacement, the replacement card would be part of the Visa Infinite BIN range though.
What do you get with a Visa Infinite?
Visa Infinite Concierge
The first thing you should do is register for the Visa Infinite Concierge, which can be done via this link.
The Visa Infinite Concierge can assist with restaurant bookings, securing concert tickets, trip planning, and sourcing hard-to-find items. They donโt work miracles though, and you shouldnโt expect Centurion-level service like getting a table at a fully-booked restaurant, or tickets to a sold-out event.


That said, I have found it useful for making reservations in countries where online bookings arenโt a thing, and English isnโt widely spoken (e.g. Japan- though keep in mind that they wonโt be able to book restaurants which only open slots to high-end hotels).
You can contact the concierge via the following channels (I particularly like that theyโre on WhatsApp, which saves you the time lags of communicating over email)
- Phone: 1800 8232 049
- WhatsApp: +65 800 4481 292
- Email: SGInfinite@concierge-asia.visa.com
GHA DISCOVERY Titanium
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Visa Infinite cardholders are eligible for an instant upgrade to GHA DISCOVERY Titanium status.
Cardholders must contact the Visa Concierge to request their GHA status upgrade. Upgrade requests must be submitted by 31 December 2025, and once upgraded, your status will be valid till 31 December 2026. Thereโs no real incentive to delay, since the expiry is the same regardless of when you submit your request.
The offer is valid for both new and existing GHA DISCOVERY members. If youโre a new member, youโll need to create an account before registering. If youโre an existing member, simply provide your existing account number for the upgrade.
GHA DISCOVERY elites can look forward to the following benefits.
๐จ GHA DISCOVERY Benefits |
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Gold | Platinum | Titanium | |
Earn D$ | 5% | 6% | 7% |
D$ Validity | 18 mo. | 24 mo. | 24 mo. |
Room Upgrade | โ | Single | Double |
Early Check-in | โ | โ | From 11 a.m |
Late Check-out | โ | Till 3 p.m | Till 4 p.m |
Welcome Amenity | โ | Yes | Yes |
Share Status | โ | โ | Yes* |
Breakfast | โ | โ | Yes^ |
Silver is the entry-level GHA tier, with 4% D$ and 6 mo. D$ validity *Status sharing only applies to members who earned their status through regular means, not fast-track promos ^Selected brands only |
Avis Presidentโs Club
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Visa Infinite cardholders are eligible for an instant upgrade to Avis Presidentโs Club status, which grants benefits such as:
- Priority service at the counter
- Priority rental car availability
- Free additional driver
- Single upgrade guaranteed at rail stations and airports, upon availability at downtown locations
- Double upgrade for select car classes upon availability on weekends
Do note that benefits vary by location, so the treatment you receive as a Presidentโs Club member in Europe may be different from the USA.
Even though Avis Presidentโs Club is marketed as โby invitation onlyโ, you might want to moderate your expectations. Avis has been very liberal with the invitations, such that PC members are almost a dime a dozen when renting from some airports. Based on my experiences so far, recognition has gone from excellent (served immediately, upgraded to a luxury vehicle) to non-existent (โwhatโs Presidentโs Club?โ)
But hereโs the thing: you donโt need a Visa Infinite card to enjoy this perk, because itโs equally applicable to Visa Signature cardholders too. Yes, Visa Signature, which anyone can get with a minimum income of S$30,000!
Visa Infinite Luxury Hotel Collection
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The Visa Luxury Hotel Collection comprises of more than 900 upscale hotels worldwide. Bookings made through this programme enjoy:
- Automatic room upgrade upon arrival, when available
- Complimentary in-room Wi-Fi, when available
- Complimentary breakfast for two
- $25 USD hotel credit
- VIP Guest status
- Late check-out upon request, when available
Visa Infinite Cardholders enjoy an additional benefit at a smaller selection of ~200 Visa Infinite Luxury Hotel Collection hotels, which upgrades the credit to US$100.
Iโm not convinced this is much of a perk, because you can book similar luxury travel advisor rates through Classic Travel or HoteLux for freeโ no Visa Infinite Card necessary. Moreover, these platforms let you book the chainโs own advisor rates (e.g. Marriott STARS), which will generally be prioritised for upgrades over Visa Infinite.
Visa Infinite Golf
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Visa Infinite cardholders enjoy complimentary green fees on weekdays at Sentosa Golf Club and Tanah Merah Country Club. A minimum of one paying guest per cardholder is required.
The catch is that a maximum of 20 rounds per month are available to cardholders, and with so many Visa Infinite cards out there, slots go fast. Bookings must be made at least five working days in advance, and no more than 14 calendar days in advance, so that effectively means you can forget about playing in the second half of the month (since all slots will surely be taken by the time the booking window opens).
This benefit is capped at four bookings per year, and one booking per month.
There is a separate benefit which offers 50% off weekday golf at 50 participating golf clubs across Southeast Asia.
Harrods Rewards Gold
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Visa Infinite cardholders get an instant upgrade to Harrods Rewards Gold Tier, bypassing the usual ยฃ5,000 spending requirement.
Benefits include:
- 2 Rewards points for every ยฃ1 spent
- Two personal 10% discount days per year
- Exclusive discount days
- Complimentary UK delivery of in-store purchases of ยฃ250+
- Complimentary tea or coffee in-store
- Complimentary basic alterations with The Tailors (up to ยฃ30 credit)
I suppose it doesnโt hurt to have this, but once upon a time, Visa Infinite got you fast-tracked all the way to the Black tier!
Overview: UOB PRVI Miles Card
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Income Req. | S$30,000 p.a. | Points Validity | 2 years |
Annual Fee | S$261.60 |
Min. Transfer |
5,000 UNI$ (10,000 miles) |
Miles with Annual Fee |
N/A | Transfer Partners |
3 |
FCY Fee | 3.25% | Transfer Fee | S$25 |
Local Earn | 1.4 mpd | Points Pool? | Yes |
FCY Earn | 2.4 mpd (3 mpd for IDR, MYR, THB, VND) |
Lounge Access? | Yes |
Special Earn | 6 mpd on Agoda & Expedia | Airport Limo? | Yes (AMEX only) |
Cardholder Terms and Conditions |
UOB PRVI Miles Cards are issued across all three networks: American Express, Mastercard, and Visa. Earn rates are the same for all (1.4 mpd in SGD, 2.4 mpd in FCY, 3 mpd in selected FCY), though the American Express version has two unique features:
- 20,000 bonus miles for spending at least S$50,000 in a membership year
- Complimentary airport limo transfers with a minimum spend of S$1,000 in foreign currency per calendar quarter
All cardholders enjoy 4x complimentary airport lounge visits per calendar year via Priority Pass (though these cannot be shared with guests). UNI$ can be converted to either KrisFlyer or Asia Miles at a 1 UNI$= 2 miles ratio, with a S$25 conversion fee.
Be sure to check out my full review of the UOB PRVI Miles Card below.
Conclusion
If youโve been wanting a Visa Infinite card but canโt meet the income requirement (or donโt want to pay annual fees), then perhaps itโs time to consider a UOB PRVI Miles Visa instead.
For reasons unknown, newly-issued cards are now part of the Visa Infinite tier, with all the associated benefits. Iโm not about to question a good thing though, and while most Visa Infinite benefits are rather meh, itโs at least worth getting the GHA DISCOVERY Titanium membership.
Does the newly issues card shows VISA Infinite or VISA Signature on the card ?
Thanks.
Just Visa logo, no Infinite or Signature wording.
Hi Aaron,
โVisa Infinite cardholders are eligible for an instant upgrade to GHA DISCOVERY Titanium status.โ
When the status expires in 31 December 2026, but I am still holding on to the card, will I be able to get the GHA Titanium status extended in tandem with my card still being โaliveโ? Or is it just a one-off status match?
How does one check if their card is part of the VISA infinite tier?
Read the article carefully. There is a link to the bin checker
Does the BIN number with Visa Infinite status only apply to PRIV Visa cards? or as well as Amex or MC Priv cards? Please advise.
Read your question again!
LOLโฆ.many pp just do not read or think.
What do you think??? Visa Infinite status applies to what kind of cards???
Serious question.
Is there smtg in our water?
This kind of near dysfunctional level mental processing is SOOOO prevalent these days!
โRecent applicants have reported that newly-issued UOB PRVI Miles Visa cards have BINs (bank identification numbers) belonging to the Visa Infinite range! โ
Received my card in Nov last year and it was a VISA Infinite.
If this is helpful, my card was issued in Jan 2025 at the beginning of this year and appears to be a VISA Infinite too
Someone said in the TG chat the mastercard is mastercard world elite? Anyone tried?
I wanted to think back then that this was just a mere oversight on the bankโs part or that all the public BIN repositories online were outdated or just wrong (likeโฆwhy would any marketing department not advertise a perk while they find sneaky ways to screw you over with the $5 blocks and so on?). My guess is that Visa does set minimum credit limits applicants must get approved for in order to be issued a Visa Signature or Infinite branded card. The $5k/10k minimum credit limit seems to remain unchanged (confirmed this in person at the branch 4 monthsโฆ Read more ยป
Saw in my Mighty app that apparently new PRVI Visa cards are being sent my way. I went to ask their live chat about it and they said they are renewing PRVI Visa cards batch by batch. Wonder if they are trying to move even old PRVI Visa cards into this new tier ie. Make sure existing cardholders get to enjoy new benefits. I shall find out and update when I receive it and check its BIN ๐
I already got the new cards while the older one expires in 2027. I assume itโs UOBโs process to help existing card holders to renew to Visa Infinite