For years, a single card tier tried to serve everyone from the comfortably affluent to the genuinely wealthy, and the strain eventually showed. Visa has now restructured its Infinite proposition across Asia Pacific into three distinct tiers — mass affluent, high net worth, and ultra-wealthy by invitation — acknowledging that wealth is not a single point but a spectrum. UOB, moving ahead of its regional peers, will begin upgrading more than 300,000 cardmembers across five ASEAN markets in September 2026, a quiet but consequential act of sorting that reveals how banks increasingly see their cust