UOB Visa Infinite Metal Card: Best for concierge and support services
Among the slew of benefits you can enjoy with the UOB Visa Infinite Metal Card, you can count on top-notch concierge and support services anywhere, anytime. Your dedicated UOB Visa Infinite Concierge is available 24/7 no matter where you are to assist you from reserving seats at Michelin-starred restaurants to purchasing luxury items.
The UOB Travel Concierge can help you with anything travel-related while the UOB Medical Concierge offers 24-hour toll-free access to premier medical concierge services supported by Parkway Hospitals Singapore. Say hello to fast-tracked appointment scheduling, finding proper medical specialists and more.
You can even consult a doctor without leaving the comfort of your home via the WhiteCoat app whenever you are feeling under the weather. How does this work? You’ll be connected to an in-house Singapore-registered GP in no time. The convenience doesn’t stop there. Within 90 minutes, you can expect to receive your prescribed medication at your doorstep. If that’s not impressive, I don’t know what else is.
AMEX Platinum Card: Best for tangible, money-saving luxury perks
The AMEX Platinum Card is undeniably the priciest metal card in this bunch but this charge card is one to consider if you are on the lookout for tangible, money-saving luxury perks.
For starters, it’s hard to beat the S$800 travel credits* you’ll receive yearly, Fine Hotels & Resorts benefits worth S$750, and complimentary elite status for Hilton Honors, Marriott Bonvoy and Radisson Rewards hotel loyalty programs. Its free airport lounge access perk is one of the most generous on the market, too.
Apart from exclusive golf privileges and complimentary access into the elite, members-only Tower Club Singapore and 67 Pall Mall in London, the AMEX Platinum Card also lets you enjoy all-day free parking at Great World City from Friday to Sunday.
Besides 1-for-1 drinks with the Chillax programme, you can also look forward to saving up to 50% on your food bills with the Love Dining programme.
[⭐ UPDATE ⭐]
Starting from early 2023, Platinum cardholders stand to earn new benefits up to S$1,200 a year, in addition to existing privileges.
Some perks to expect in 2023 include:
- S$400 Global Dining Credit: Access to over 2,000 restaurants in 20 countries
- S$204 Entertainment Credit: For music streaming and news subscriptions
- S$200 Airline Credit
- S$400 Lifestyle Credit: Access to a slew of lifestyle experiences and services e.g. wine and spa services
*However, do note, the current S$800 Travel Credits consisting of S$400 Air Travel Credit and S$400 Lodging Credit will cease activity from 31 January 2023. AMEX Platinum cardholders are encouraged to redeem their credits for flight and accommodation bookings through American Express Travel Online before then.
Moreover, those bookings are eligible for a one-time bonus of 5,000 Membership Rewards points. T&Cs apply.
Otherwise, all in all, the new roster of AMEX Platinum privileges is valued at over S$7,400, with no change to the annual fee. Being spoilt for choice is an understatement.
Mile earning rates
Let’s first look at how many miles each of these cards earns for local and overseas spending. The numbers are quite tight here (except for the AMEX Platinum Charge, which clearly isn’t a miles-earning powerhouse), with local earn rates between 1.2-1.4 mpd, and overseas rates between 2.0-2.2 mpd.
Metal Card | Local Miles per Dollar | Overseas Miles per Dollar |
Standard Chartered Bank X Card | 1.2 | 2.0 |
Citibank Prestige | 1.3 | 2.0 |
OCBC Voyage | 1.3 | 2.2 |
UOB Visa Infinite Metal Card | 1.4 | 2.0 |
AMEX Platinum Charge Card | 0.78 | 1.95 (if you spend on SQ or Scoot) |
Miles with annual fee
In addition to earning miles from your everyday spending, you can also receive miles by paying the annual fee on most of these cards.
Metal Card | Annual Fee (Miles) | Cents per Mile |
Standard Chartered Bank X Card | S$695.50 (30,000) | 2.32 |
Citibank Prestige | S$535 (25,000) | 2.14 |
OCBC Voyage | S$488 or S$3,210 (15,000 or 150,000) | 3.25 or 2.14 |
UOB Visa Infinite Metal Card | S$642 (25,000) | 2.57 |
AMEX Platinum Charge Card | S$1,712 (None. Spend S$20,000 in the first 6 months to get 46,875 bonus miles) | N.A |
The Citi Prestige and OCBC Voyage offer the lowest cost miles at about 2.14 cents per mile. This is followed by the SCB X Card at 2.32 cents per mile, and the UOB Visa Infinite Metal Card at 2.57 cents per mile.
It’s worth mentioning that the AMEX Platinum Charge doesn’t actually offer miles with the payment of the annual fee. Instead, you’ll be able to earn 46,875 bonus miles (75,000 MR points) when you spend S$20,000 in the first six months of card membership approval.
Airport lounge access and limo benefits

Complimentary airport lounge access can be a great perk, especially when you’re flying economy or on a budget airline. But again, not all metal cards are made equal in this respect. Some offer extremely anemic benefits (like the SCB X Card with only two free visits), while others offer access to multiple lounge networks, complete with guest privileges.
Metal Card | Lounge Network | Free Lounge Visit |
Standard Chartered Bank X Card | Priority Pass | 2 |
Citibank Prestige | Priority Pass | Unlimited + 1 guest |
OCBC Voyage | Plaza Premium | Unlimited |
UOB Visa Infinite Metal Card | DragonPass | 4 |
AMEX Platinum Charge Card | - Priority Pass - AMEX Lounges - Centurion Lounges - Delta SkyClub - Plaza Premium |
Unlimited + Supplementary Member + 1 guest each |
The strongest card here is undoubtedly the AMEX Platinum Charge card. Cardmembers get to enjoy unlimited Priority Pass lounge visits as well as access to American Express and Centurion airport lounges, and Delta SkyClubs when flying on Delta Air Lines. What’s more, supplementary cardholders (the first two supplementary cards are free) enjoy the same lounge benefits.
Complimentary airport transfers are another useful perk, although only two metal cards offer them at the moment – the Citi Prestige and OCBC VOYAGE.
Metal Card | Free Limo Rides | Spending Requirements |
Standard Chartered Bank X Card | 0 | N.A |
Citibank Prestige | 2 per quarter | S$12,000 per quarter |
OCBC Voyage | 2 per month | S$5,000 per ride |
UOB Visa Infinite Metal Card | 0 | N.A |
AMEX Platinum Charge Card | 0 | N.A |
The OCBC VOYAGE has a much lower spending requirement than the Citi Prestige and allows for more trips over the course of the year.
Dining benefits
Dining benefits can take the form of discounts on F&B or outright dining credit through vouchers.
Metal Card | Dining Benefits |
Standard Chartered Bank X Card | Up to 30% off dining at participating restaurants at Marina Bay Sands |
Citibank Prestige | Dining offers locally and abroad with Citi World Privileges |
OCBC Voyage | Visa Infinite dining privileges |
UOB Visa Infinite Metal Card |
Visa Infinite dining privileges Up to 50% off dining at Grand Hyatt Singapore Clink Clink's private wine concierge service |
AMEX Platinum Charge Card |
American Express Selects dining offers Up to 50% off dining with Love Dining benefits 1-for-1 drinks with Chillax |
Cardmembers can enjoy up to 50% off dining at selected hotels and restaurants with Love Dining benefits. This includes A-list restaurants like Brasserie Les Saveurs, SKAI Restaurant, Lantern, The Landing Point, Basilico, Yan Ting and Wooloomooloo Steakhouse.
To cap it off, they can get complimentary drinks under the Chillax program at Botanico, Club 5, Portman's Bar, Smoke & Mirrors, Horse’s Mouth Bar, Monti and other drinking holes.
Other card benefits
All cards offer complimentary travel insurance (although the quantum and scope of coverage can differ significantly, so be sure to read the T&Cs!), but some go beyond that by offering unique perks.
For example, the Citi Prestige gives you the fourth night free on hotel stays, which can potentially help to pay for the annual fee. The OCBC VOYAGE allows you to redeem VOYAGE miles for any cabin on any flight at a fixed cash value. The UOB Visa Infinite Metal Card offers preferential yacht chartering packages with Valencia Yachts.
Metal Card | Other Benefits |
Standard Chartered Bank X Card |
Complimentary travel insurance The Good Life® dining, shopping, travel and lifestyle privileges eCommerce purchase protection Exclusive hotel and resort benefits at The St. Regis, Shangri-La Hotels & Resorts and Mandarin Oriental Golf privileges |
Citibank Prestige |
4th night free on hotel stays Complimentary travel insurance Exclusive relationship bonus of up to 30% additional ThankYou Points Preferential rates for luxury tours and cruises, private jet charters and chauffeured car services |
OCBC Voyage |
Redeem miles for any cabin on any flight Complimentary travel insurance eCommerce purchase protection HealthPass health and wellness deals Instant 19% off on Caltex fuel spend S$25 KrisFlyer Miles redemption admin fee waiver |
UOB Visa Infinite Metal Card |
Priority booking and complimentary wine at global top restaurants Clink Clink's private wine concierge service Visa Luxury Hotel Collection privileges Up to additional 6 bonus KrisFlyer miles with KrisFlyer UOB Account Preferential Valencia Yachts charter rates Complimentary travel insurance UOB medical concierge |
AMEX Platinum Charge Card |
S$800 hotel and airline credit Complimentary elite gold status with Marriott Bonvoy, Hilton Honors and Radisson Rewards Up to 50% off dining with Love Dining benefits 1-for-1 drinks with Chillax AMEX Fine Hotels & Resorts program Tower Club access Exclusive AMEX events Complimentary travel insurance |
But it’s hard to compete with the AMEX Platinum Charge card, which offers S$800 of airline and hotel credits, Fine Hotels & Resorts benefits worth S$750, elite status with hotel chains like Hilton and Marriott, complimentary green fees, complimentary access into the elite, members-only Tower Club and much more.
The S$1,728 annual fee is the most expensive of all the metal cards here, almost three times as expensive in some cases. But if you’re willing to shell out that money, you’ll find the benefits to be pretty substantial — especially if you're looking forward to regular leisure travel again.
If you choose to get a metal card, always remember the hefty annual fees that it comes with. This means it’s a good idea to do an analysis of the costs and benefits of owning one. A metal card is meant to make your pocket heavier, not lighter after all.
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