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  • HSBC Visa Infinite Credit Card for Travel

    HSBC Visa Infinite Credit Card for Travel

    The HSBC Visa Infinite Credit Card is specially designed for someone who is used to the more luxurious things in life. This card helps you earn rewards as you charge your expenses to it. In addition to this, it also gives you luxurious travel options which are planned meticulously to suit your needs, along with exclusive dining and retail shopping privileges. There is also a range of other benefits such a dedicated butler to plan all your travel needs, stay arrangements, and airport transfers, automatic travel insurance, and a host of other features. This card gives you rewards in the form of air miles when you use it to pay for your expenses both in Singapore and when you’re abroad. You can earn miles at a faster rate when you spend abroad. With this credit card, you also get to stay at some of the world’s leading and most luxurious hotels, making your vacations and business trips that much more comfortable and pleasing, in line with the lifestyle that you’re used to.

    Key Features

    Feature Description
    Miles per S$1 on local expenses Up to 1.25 miles
    Miles per S$1 on overseas expenses Up to 2.25 miles
    Complimentary travel insurance US$2 million for the cardholder
    Hotel privileges Full suite of Visa Luxury Hotel Collection at top hotels such as Park Hyatt, Peninsula, and more.
    Concierge/Butler service Yes
    Airport lounge access Unlimited access to over 1,000 VIP lounges with Priority Pass Membership card
    Airlines that miles can be used in Singapore Airlines, Cathay Pacific, British Airways, Qatar Airways
    Limousine Yes
    Expedited Immigration Yes

    Earn Miles at a Faster Rate

    With a superior rate of earning, this card lets you earn air miles faster if you have spent more than S$50,000 on it in eligible transactions during the previous year. As a member of this exclusive card, every S$1 you spend on local transactions will earn you 1.25 air miles, and each S$1 spent overseas will get you 2.25 air miles. This means that you will get 30,000 air miles if you spend S$10,000 each, abroad and in Singapore. These can be redeemed with Singapore Airlines to get you a couple of Bali return tickets, or a single return flight ticket to Taiwan or Hong Kong.

    Travel in Style and Luxury

    Every time you travel, you probably have to put up with the chaos and commotions of an airport. But with this particular card, you can make all of that go away by checking into an airport lounge. It gives you access to more than 1,000 VIP lounges in airports all over the world without having to make a reservation, courtesy of the free Priority Pass that will be issued to you after you sign up for it. You also get free limousine airport transfers from anywhere in Singapore to the Changi Airport. You can skip the immigration line at the airport thanks to the expedited immigration process available to card members. Along with this, you are also eligible for complimentary travel insurance with coverage of up to US$2 million and 20 other benefits. The other travel privileges include accommodation at the world’s most luxurious properties such as Park Hyatt, Shangri-La, and Peninsula. You get the best rates, free room upgrades, complimentary breakfast and Wi-Fi, and VIP status, among other benefits.

    Pamper Yourself With Wellness Services

    ESPA (Resorts World Sentosa) brings you a whole variety of privileges that are designed to pamper your body and mind. Spend at least S$400 on any of their treatments and get a free meal for 2 valued at S$90. In addition to this, you can make use of the fully-equipped, world-class gym along with other facilities that are meant to give you a holistic approach to wellness and healthy living. Get discounts of up to 40% on their services and treatments. As a birthday treat, you can enjoy a discount of 50% on selected treatments as well. Other benefits include discounts on food and beverages at Tangerine and complimentary spa upgrades.

    HSBC Rewards and Golfing Privileges

    Shopping gets a whole new definition with this card. Every time you use it to pay for your shopping escapades at designer merchants and boutiques such as Diesel, Max Mara, Bank & Olufsen, TUMI, MAX&Co., and Y-3, you get 10x HSBC Rewards.

    Love playing golf? You can enjoy the golfing privileges that come along with the card. You get access to some of the most popular and beautiful golf courses around the world, and also get discounts and fee waivers along with complimentary insurance cover for golfers.

    Enjoy Exclusive Dining Offers

    The HSBC Visa Infinite Credit Card gives you a variety of dining offers that are specially curated to satisfy the gourmand in you. Get discounts of up to 50% when you spend at selected restaurants in the Singapore Marriott Tang Plaza Hotel. This card also brings you the very best of European dining options in Singapore along with a discount of 15% on your dining bills at more than 50 of the top restaurants in the country that feature European cuisine.

    A Specially Dedicated Butler

    Don’t like making travel plans and arrangements? Then don’t. Make use of the personal concierge service that’s available all through the day, 7 days a week, to plan your travel, book flights, or reserve spa appointments. Not sure of where you want to dine today? Simply ask your butler for suggestions. With this dedicated service, the solution to all your needs is just a phone call away.

    Joining Perks and Signup Bonuses

    • Get a joining gift in the form of 35,000 miles, redeemable with more than 40 airlines, when you express interest for this Visa Infinite Card.
    • The gift will be awarded in the form of 87,500 HSBC Rewards Points.
    • You’ll have to sign up for the HSBC Mileage Programme.
    • An annual fee of S$42.8 will apply for signing up for the mileage programme.
    • Under this programme, reward points will automatically be converted to miles.

    Additional Benefits

    • Enjoy various promotions on your card all through the year. Keep an eye on the offers and make sure that you never miss them.
    • Get 10x HSBC Rewards Points at selected merchants.
    • Enjoy a wide range of golfing privileges with this card. Some of them are:
      • Up to 30% off green fees at selected fairways in South East Asia.
      • Complimentary green fees at selected grounds.
      • Golfer’s insurance of up to S$500,000+.
    • Get a range of health, beauty, and spa treatments at ESPA at Resorts World® Sentosa.
    • Get a 15% discount on dining at premium European restaurants.
    • Enjoy discounts and other dining privileges at the various restaurants at Singapore Marriott Tang Plaza Hotel.

    Redeeming your Earned Rewards

    Reward Points:

    • Points can be redeemed using either of the two modes:
      • Internet banking
      • Phone banking
    • For internet banking, log onto the website and select the card account.
    • Click on the account overview button.
    • Next, click on the bonus points button.
    • You can check the reward points that you have accumulated.
    • Click on the redeem button.
    • You’ll be redirected to the rewards redemption page.
    • Redeem an item from the list available after ensuring that you have enough points to redeem it.
    • It gets added to the cart.
    • Click the confirm button to complete the transaction.
    • If you’re using phone banking, key in the 16-digit card number, followed by the 6-digit phone banking PIN.
    • Select card services. Select the card you want to redeem.
    • Follow the instructions given by the IVR to select your gift and redeem it.


    • In order to enrol into the HSBC Mileage Programme, download the relevant form from the rewards redemption page, fill it up, and return it to the bank.
    • You need to be a prior member of the frequent flyer or travel rewards programme of one of the participating airlines before you can convert HSBC Points to miles.
    • If you are yet to be a member, visit the official Asia Miles or KrisFlyer Miles website to register with a participating airline.
    • 5,000 reward points can be redeemed in blocks of 2,000 miles only.

    Calculate Rewards Point from HSBC Visa Infinite Credit Card

    Let us assume that you have met the S$50,000 spend criteria to qualify for the Step Up Earn Rate during the first year of your card ownership. Let us further assume that you have also met the criteria this year, too. You have spent S$20,000 on eligible local transactions and S$30,000 on eligible overseas transactions. Therefore, you’ll earn miles at an accelerated rate.

    You’ll get 25,000 miles for local spend and 67,500 miles for overseas spend. The total points accumulated by you are 92,500. Let’s see the places you can get a one-way or both-way free ticket to on certain airlines.

      Singapore Airlines Cathay Pacific British Airways Qatar Airways
    One-way ticket Economy ticket to Houston Business ticket to New York Business ticket to London Premium economy ticket to Lima
    Return ticket Economy return tickets to and from Japan Economy return tickets to and from New York Premium Economy return tickets to and from London Economy return tickets to and from San Francisco

    Complimentary Insurance Coverage

    Charge the full travel expense to your card and enjoy complimentary travel insurance. The following are some of the important covers available:

    Type of Cover Sum Insured
    Accident Death or Total and Permanent Disability (TPD) while availing the public conveyance Up to US$2 million
    Death or TPD due to accident on the land Up to S$100,000
    Medical expenses while abroad Up to S$100,000
    Child care cover Up to S$1,000 per benefit
    Medical evacuation and repatriation Up to S$250,000
    Cancellation of a trip Up to S$4,000 per person with an aggregate of S$10,000
    Personal liability Up to S$100,000

    Who All Will Be Covered by the Insurance Policy?

    • The cardholder.
    • Adult family members accompanying the cardholder on the insured trip.
    • Any dependent children accompanying the principal cardholder on the insured trip.

    Concierge/Butler Service Work

    You can depend on the concierge service for the following services:

    • Hotel reservations.
    • Flight booking.
    • Fixing spa appointments.
    • Other personalised services.

    Call the dedicated number to request the services of the Infinite Travel & Lifestyle Concierge.

    HSBC Visa Infinite Credit Card Interest Rates

    Type of Interest Charge
    Retail purchases 25.9% p.a.
    Cash advance 28% p.a.
    Instalment payment plan 0%

    HSBC Visa Infinite Credit Card Fee and Charges

    Type of Charge Charge
    Annual fee S$488 (Premier customers) S$650 (Other banking customers)
    Overseas transaction fee 1.5% administrative charge and an additional charge of 1% imposed by Visa
    Late payment fee S$55
    Overlimit fee S$40
    Cash advance fee S$15 or 6% of the amount drawn, whichever is more
    Supplementary card fee Free

    Activating the Card for Overseas Expenses

    EMV cards need to be activated for retail and ATM use when you go abroad. This is because most retail transaction terminals are still using magnetic stripe technology. Retail transactions can only be effected on activating the overseas features of your card.

    Call the bank’s dedicated number to activate this feature. On returning to Singapore, remember to deactivate it immediately since magnetic strips tend to be less secure.

    Ensure that your personal contact details are updated with the bank because they will send an OTP to your registered mobile on receiving an overseas card activation request. You can use any of the following modes to complete the process:

    • Through internet banking.
    • Downloading the relevant form from the bank’s website, filling it out, and mailing it to the bank.
    • By visiting any branch of the bank.

    Instalment Payment Plans Available

    • Card Instalment Plan: Here is what you need to know:
      • It’s an interest-free plan.
      • The total purchase value can be spread over 6-, 12-, 18-, or 24-month instalments.
      • The value of your purchase should be S$500 or more.
      • This plan can only be activated at a participating merchant outlet. You can find the full list of merchants on the website of the bank.
      • You’ll be liable to pay an administrative fee of S$100 if you terminate or cancel the instalment plan or the card account prior to maturity of the instalment.
      • You’ll also be liable to pay the outstanding balance in full.
    • Card Balance Conversion Plan: The salient features are:
      • It’s a flexible monthly payment plan.
      • The applied interest rate on this plan is 0%.
      • The purchase amount can be split over 3, 6, or 12 monthly instalments.
      • This plan can be activated by charging at least S$500 in an eligible transaction.
      • This plan can be used for a panoply of purchases which may include but may not be limited to:
        • Tour packages
        • Online retail transactions
        • Booking flights
        • Buying gadgets and accessories
        • Down payment on your car
      • The processing fee on this plan depends on the tenure selected. It is:
        • 3% for 3 months.
        • 3% for 6 months.
        • 5% for 12 months.
      • Use any of the following modes to apply for this payment plan:
        • Download the relevant form, fill it out, and either upload it on the bank’s website or mail it to the Robinson Road branch of the bank.
        • Send an SMS to the bank in the prescribed format.
        • Call the bank to set up the plan.

    Cash Withdrawal on the Credit Card

    • Up to S$6,000 can be withdrawn using your card in one day.
    • It will, however, be subject to availability of the credit limit on your card or as decided by the bank.
    • You can withdraw cash using either of the following modes:
      • Via ATM
      • Via phone
    • The phone facility is available to principal cardholders only.

    Eligibility Criteria

    To check your eligibility for this card, you can go to our HSBC credit cards page.

    Lost/Stolen Cards

    If you happen to lose or misplace your card or card details, do the following:

    • Report the incident to the bank at the earliest.
    • File a police report and hand over a copy of the same to the bank, if asked for.
    • Your liability for any unauthorised use of your card will be limited to S$100, provided:
      • You have informed the bank within a reasonable period of the occurrence of the incident.
      • The bank’s independent investigations have established that you:
        • Were a defaulter.
        • Were complicit in the crime.
        • Had acted in gross negligence.
      • You have pledged full cooperation to the bank in its investigations.
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    What Else Do I Need to Know About HSBC Visa Infinite Card?

    How to Enable/Disable Auto Debit & Standing Instructions?

    Via GIRO

    To set up a direct debit arrangement for paying down the outstanding balance on your card, you need to know the following:

    • It can be done using the GIRO facility.
    • It’s a free service.
    • The GIRO form can be downloaded from the bank’s website.
    • Fill it up and mail it to the Robinson Road branch of the bank for auto payment of your card dues.
    • You can instruct the bank to do any of the following:
      • Deduct the full outstanding balance.
      • Deduct a fixed percentage of the outstanding balance.
      • Deduct the minimum amount due, where applicable.
    • Payments made through GIRO would reflect on your monthly card statements.

    If you want to set up a standing instruction for direct debit from an account you hold with another bank, you need to know that your account may be debited 1 day before the date mentioned on the statement. Make sure to maintain sufficient funds.

    How to Apply for the Card and Check the Application Status?

    Through BankBazaar

    Apply for this card conveniently through our website. All you have to do is fill in some basic details about yourself and then fill out the form, validate the details submitted, and submit it for processing.

    Get in touch with the bank to check the status of your application.

    How to Check Balance?

    Via internet banking/phone banking/mobile banking

    You can apply for this card using any of the following methods:

    • Use your internet banking credentials to log onto the bank’s website and check the outstanding/unpaid balance and the transactions completed.
    • Use the automated phone banking service of the bank to check your card account balance.
    • Enjoy the convenience of checking your credit card account balance on the go by downloading HSBC’s mobile app. It can be downloaded from the App Store or Google Play.

    How Can the Bill Be Paid?

    AXS Station/Bulk cash deposit machine/Personal internet banking/Singpost SAM and post offices/7-Eleven stores/Crossed cheque/GIRO

    Pay your card bill conveniently through any of the following modes:

    • 7-Eleven.
    • AXS terminals.
    • Internet banking.
    • Bulk cash deposit machines.
    • SingPost SAM and post offices.
    • Auto debit through interbank GIRO.
    • Seal a crossed cheque in a business reply envelope and mail it to the Robinson Road branch of HSBC.

    How Much Is the Minimum Payment to Be Made on the Card?

    3% of the outstanding bill or S$50

    The minimum monthly payment that you can make on your card is:

    • The higher of the two between 3% of the outstanding balance and S$50, if your account is within limit.
    • The aggregate of 3% of the credit limit and the excess amount used, if your account is over limit.

    What Is the Grace Period?

    20 days

    The interest-free period is 20 days from the date of generation of statement if:

    • Bills are settled in full i.e. there is no outstanding balance.
    • The effective interest rate on your card account is zero.

    Which Mobile Wallets Can This Card Be Used With?

    Apple Pay/HSBC MasterPass

    Check out faster at contactless payment and online payment terminals with one of the following mobile wallets:

    • Apple Pay:
      • Make payment at a contactless terminal, in app, or online with an iPhone, an Apple Watch, a Mac, or an iPad.
      • It is completely safe because a unique code is generated and sent to your registered mobile for each transaction. A merchant can’t store your transaction details.
      • Download it from the App Store and link your card to it for quick payments.
      • Simply follow the onscreen transactions to complete a transaction.
      • Get the same rewards as your physical card.
    • HSBC MasterPass:
      • It’s a free digital wallet.
      • Payments become quick because payment and shipping information is stored at a secure place.
      • Follow the onscreen instructions to link your card to this app.
      • Click on the Buy With MasterPass once you have added the product to the shopping cart.
      • Sign in with your credentials and use your linked card to make payment.
      • Review your payment and shipping details to complete the transaction.

    How to Block or Unblock the Card?

    Call the bank

    In case your card gets stolen or it is misused, call the bank immediately to notify it. The card will be blocked by the bank immediately to prevent further misuse.

    Get in touch with the bank to find out if your old card can be unblocked once the issue has been resolved or if you’ll be issued a brand new card.

    How to Reset the PIN?

    Complete the relevant form and mail it to the bank
    • Download the relevant PIN replacement/reset from from the bank’s website.
    • Fill in the mandatory fields and tick or circle the relevant options.
    • Mail the completed bank to the Robinson Road branch of the bank.
    • An administrative fee may be charged for the service.

    What Is the Billing Cycle and the Bill Due Date?

    Check the monthly card statement
    • The bill cycle and due date can be found on the monthly statement.
    • The cycle depends on the number of days between two statement dates.

    How to Get a Replacement Card?

    Download, fill, and mail the replacement form
    • Download the relevant form from the website of the bank.
    • Fill in the mandatory and relevant fields.
    • Circle the appropriate options, where applicable.
    • Mail the form to the Robinson Road branch of HSBC.

    How to Temporarily Increase the Limit of the Card?

    Call the bank/Use internet banking facility

    In order to request the bank for a temporary credit limit increase, you can do any one of the following:

    • Call the bank’s relevant helpline.
    • Log onto the bank’s website using your account credentials and complete the process.

    A credit card is one of the most important modern tools of debt and money management. Choosing the right card can go a long way in helping you maximise the value on your spends. Use our website to know the full range of cards.

    HSBC Visa Infinite Credit Card Reviews

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