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    HSBC Visa Infinite Credit Card
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    HSBC Visa Infinite Credit Card

    Once an invitation-only card, HSBC Visa Infinite is one of the most popular premium credit cards in Singapore, offering a wide range of benefits for travelling, shopping, and dining. One of the most noteworthy features of this card is the personal butler service. Whether you need to book a flight, or just need recommendations for a nice restaurant in your area, your personal travel and lifestyle butler can assist you with almost everything.

    HSBC Visa Infinite Card Review

    If you are a frequent traveller, this card can help you accumulate air miles quickly. You will earn up to 1.25 miles and up to 2.25 miles for every S$1 spent locally and overseas, respectively. This is in addition to the 40,000 miles you get as a welcome gift. If you are a traveller, you will enjoy complimentary travel insurance coverage if you charge your complete travel expense to this card.

    Benefits

    You will enjoy the following privileges with this card:

    • Unlimited access to airport lounges: You will enjoy unlimited, complimentary access to more than 700 airport lounges across the world. No prior reservations are required; just show your Priority Pass Membership card to access any of the participating lounges.
    • Limousine transfers: Enjoy complimentary limousine transfers to Changi Airport from anywhere in Singapore with immigration clearance assistance, subject to minimum spending requirements. For every S$2,000 that you spend on eligible purchases, you will get one limousine transfer and one accelerated immigration clearance. You can enjoy this benefit up to 24 times in a calendar year.
    • 24/7 concierge: Get round-the-clock personalised assistance from a dedicated lifestyle and travel expert for all your day-to-day activities.
    • ESPA at World Resort Sentosa: Enjoy complimentary daily access to a variety of facilities at ESPA. In addition, you will receive 40% off any treatment worth S$125 or more. If it’s your birthday month, you will get a discount of 50% on various treatments as well as special gift.
    • Special privileges at luxury hotels: Enjoy room upgrade, complimentary breakfast, VIP guest status, 3:00 p.m. check-out, and special prices at over 900 luxury hotels across the world.
    • Golfing privileges: Get a discount of up to 30% on green fees at 30 participating golf clubs in South East Asia. In addition, when you charge the game fee to this card, you will get insurance coverage of up to S$500,000 against any incidents while playing.
    • Dining benefits: You will enjoy up to 50% off when you dine at any participating restaurant at Singapore Marriott Tang Plaza Hotel and charge your bill to this card.

    Joining Benefits/Perks

    • Get 40,000 air miles as a welcome gift. You will get these miles in the form of reward points, which can be converted into miles upon payment of an annual fee of S$40 (GST applicable). You can redeem your air miles with more than 40 participating airlines. If you cancelled this card in last 12 months and are re-applying for it, you will not be eligible for this welcome offer.
    • Enjoy two complimentary limousine transfers and two complimentary accelerated immigration clearances as a welcome offer, with no minimum spending condition.

    Rewards Programme

    Air miles: This is essentially an air miles card. So in the first year of your card membership, you will earn 1 air mile for every S$1 spent locally and 2 air miles for every S$1 spent overseas. Second year onwards, you will earn 1.25 miles for every S$1 spent locally and 2.25 air miles for every S$1 spent overseas.

    To earn increased air miles from second year, you will have to spend at least S$50,000 on eligible purchases in the first year. Also, all your air miles will be credited as HSBC Reward Points. These points can be converted into air miles on payment of an annual fee of S$40 (GST applicable), which is required for the HSBC frequent flyer programme.

    How you can get free flight tickets in your first year of membership:

    Assume that in the first year you spend S$20,000 locally and S$20,000 overseas. So, you will earn 20,000 air miles for your local spending and 40,000 air miles for your overseas spending. You will have a total of 60,000 air miles, which can be used to buy about four return tickets to Bali or a couple of return tickets to Taiwan or Hong Kong on Singapore Airlines.

    10x HSBC rewards: You will earn 10 HSBC Rewards Points per dollar spent on all your retail purchases at participating boutiques such as Bang & Olufsen, Diesel, Dsquared2, Max Mara, MAX&Co., TUMI, and Y-3. Up to 7.5 reward points will be credited to you quarterly. In addition, up to 3.125 reward points will be credited on monthly basis.

    Take a look at how it works:

    Assume you spend S$10,000 at a participating Diesel store with this card. So, you will earn 100,000 HSBC reward points (S$1 spent = 10x HSBC reward points). You can convert these points, once they are credited to you, into air miles to buy your free flight tickets.

    Full terms and conditions apply, visit https://www.hsbc.com.sg/1/2/personal/cards/visainfinite#lifestyle.

    Insurance Benefits with HSBC Infinite Card

    This is one of the few cards in Singapore that offer a high complimentary travel insurance amount. You can enjoy this benefit only when you charge all your travel expenses to this card. The insurance, which is issued and underwritten by AXA Insurance Singapore, covers you as well as your family members against a variety of risks including accidental death and permanent disablement. Check out the benefits of this travel insurance in detail:

    Travel insurance benefits Coverage benefits
    Accidental death and permanent disability (public conveyance) Up to US$2 million (cardholder), up to US$1 million (adult family member), and up to US$30,000 (child)
    Accidental death and permanent disability (land cover) Up to S$100,000 (cardholder), up to S$100,000 (adult family member), and up to S$15,000 (child)
    Overseas medical treatment expenses Up to S$100,000
    Post trip expenses on medical treatment in Singapore Up to S$10,000
    Allowance for overseas hospitalisation Up to S$5,000
    Foreign hospital visit and child care Up to S$1,000 (for each benefit)
    Emergency medical help and evacuation Up to S$250,000
    Trip cancellation Up to S$10,000
    Baggage loss Up to S$5,000
    Travel delay Up to S$1,000
    Baggage delay (overseas) Up to S$1,000
    Trip curtailment Up to S$5,000
    Travel documents loss Up to S$400
    Trip postponement and Traveller replacement Up to S$300 (for each benefit)
    Personal liability Up to S$100,000
    Rental car excess Up to S$2,000

    Instalment Payment Plans

    HSBC gives you flexibility to convert your retail purchases into interest-free instalments. Depending on your financial objectives, you can choose to pay for your purchase over 6, 12, 18 or 24 months. To enjoy this benefit, you will have to spend at least S$500 at a participating merchant.

    Fees & Charges

    The charges applicable on this card are listed in the table below:

    Annual fee
    • Premier customers: S$488 (inclusive of GST)
    • Non-premier customers: S$650 (inclusive of GST)
    Supplementary card fee Free
    Interest rate 25.9% per year
    Minimum monthly payment 3% of the outstanding balance or S$50, whichever is higher
    Late payment fee S$55
    Cash advance fee S$15 or 6% of the amount cash advance, whichever is higher
    Interest on cash advance 28% per year
    Over-limit fee S$40

    How to Activate/Use HSBC Visa Infinite Credit Card Overseas

    You can use your EMV chip card in any country you wish to, without any need to enrol first. This chip has been designed to protect you from fraudulent transactions. In Singapore, most merchants are using the EMV chip technology. However, in some countries, this technology isn’t as widely used yet. So, at such places, the credit card transactions are still processed through the magnetic stripe.

    Your HSBC Visa Infinite Card also comes with a magnetic stripe for transactions in such countries. However, for safety reasons, it remains deactivated until you activate it. If you are heading outside Singapore or if you are already outside Singapore, you can activate your card’s magnetic stripe by contacting the bank’s Customer Care Hotline. You can also do it through online banking.

    Foreign Currency Transactions

    When you make any purchases in a foreign currency, then those purchases are required to be converted to Singapore dollars before the transaction is confirmed. In case of HSBC Visa Infinite Card, if a transaction is made in US dollars, it can be directly converted to Singapore dollars at the day’s exchange rate.

    However, if the transaction is made in any foreign currency other than US dollars, then it will have to be first converted to US dollars before it gets converted to Singapore dollars. These conversions are made on the basis of the foreign exchange rate determined by Visa, Mastercard, and other relevant associations. Check out the fee charged by HSBC on such foreign currency transactions:

    • Administrative fee of up to 1.5% of the transaction amount is charged by HSBC.
    • Additional fee of up to 1% of the transaction amount is charged by Visa.

    A dynamic currency conversion (DCC) factor of 1% is applicable if you’re paying directly in Singapore dollars overseas.

    Cash Advance/Cash Withdrawals

    When you use your credit card to withdraw cash, it’s called cash advance. There is a fee that is charged by the credit card issuer for letting you take this advance. That fee is called cash advance fee. However, that’s not it. You will also have to pay interest on your advance and it is applicable from the day you withdraw the money.

    In case of this card, the cash advance fee charged by the bank is 6% of the withdrawn amount or S$15, whichever amount is higher. The interest charges will be 28% p.a. on the total amount withdrawn and is calculated from the date you draw the amount till the date you repay it in full or the next statement date, whichever comes early.

    How to Apply for HSBC Visa Infinite Credit Card

    You can apply for HSBC Visa Infinite Credit Card through BankBazaar.sg by just providing us with your personal, financial, and contact details.

    Eligibility Criteria

    Minimum age:

    • Primary cardholders: 21 years
    • Supplementary cardholders: 18 years

    Minimum income:

    • Salaried individuals: S$30,000
    • Self-employed and variable income earning Singaporeans and PRs: S$40,000

    Documents Required

    • Salaried individuals: A copy of NRIC, a copy of CPF contribution statement (with SingPass login), and latest computerised payslips for three months OR latest Income Tax Notice of Assessment with last month’s computerised payslip.
    • Self-employed and variable income earning individuals: A copy of NRIC and Income Tax Notice of Assessment for last two years.
    • Foreigners: A copy of passport, employment pass with validity of at least six months, and computerised payslips for last three months OR latest Income Tax Notice of Assessment.

    Interest Rates

    HSBC charges interest at the rate of 25.9% p.a. on all credit card purchases, subject to a minimum charge of S$2.50. This interest is levied when payment is not received in full by the due date, and when there is some balance that you have carried forward from your previous month statement. For cash advances, interest will be charged at the rate of 28% p.a., subject to a minimum charge of S$2.50.

    Bill Payments

    The minimum monthly payment to be made on HSBC Visa Infinite Card depends on whether the credit you have used is within the limit or over the limit. If it’s within the limit, your minimum monthly payment would be S$50 or 3% of the outstanding balance, whichever amount is higher.

    If it’s over the limit, your minimum monthly payment amount would be: 3% of your total credit limit + amount in excess of the credit limit.

    Payment Methods

    • AXS stations
    • 7-Eleven stores
    • SingPost SAM and Post offices
    • Cash deposit machines
    • Online banking

    What Should You Do If Your HSBC Visa Infinite Credit Card Is Lost/Stolen?

    You must report lost/stolen card to HSBC immediately. For any unauthorised transactions before you report the incident to HSBC, you will be liable to pay a maximum of S$100. However, you will have to prove that the loss or theft was not a result of negligence on your part. If the card is stolen, don’t forget to report it to the police and present that report to the bank.

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    HSBC Visa Infinite Credit Card Reviews

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    • HSBC Credit Card
      "Recurring telco bills, grocery and fuel cashback is good. "
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      I use my HSBC card mainly for petrol, buying groceries, and mobile bills to hit the $800 requirement every month. I've been getting $120 back every quarter, so that's pretty good.
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      "saving on my insurance premiums every month"
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      I've got a family of 5 and monthly insurance premiums eat into my savings quite a bit. I'm glad that the HSBC Advance card allows me to earn $35 cashback on insurance premiums every month. I made sure to become an Advance Banking customer to get an additional 1% cashback.
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      "not enough ancillary benefits"
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      I got the HSBC Advance card when they had a nice sign-up promotion, but aside from using it on my insurance premiums, I don't think it's a very useful card. There aren't many other perks a HSBC card gives, unlike other bank cards.
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    • HSBC Credit Card
      "gorgeous card"
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    • HSBC Credit Card
      "better than the other cashback cards of this nature"
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