It's time to fly high and in style with the HSBC Visa Infinite. Let's see if this miles card should become your go-to luxur travel companion for all your business trips and holidays alike.
The HSBC Visa Infinite Card is a premium credit card offering one of highest welcome bonus miles and exclusive travel perks such as unlimited access to airport lounges, airport limousine and expedited immigration clearance.
Targeted at the business executive who travels often, this premium credit card by HSCB makes commuting between airports, home and work/office a real breeze.
Table of contents
- Overview: HSBC Visa Infinite Credit Card
- Reasons to get the HSBC Visa Infinite Credit Card
- Eligibility, fees & charges
- How to apply?
- Should you get the HSBC Visa Infinite Credit Card?
What the HSBC Visa Infinite Card can do for you
- Local spend: Up to 1.25 miles per S$1 spend with min. S$50,000 annual spend
- Overseas spend: Up to 2.25 miles per S$1 spend with min. S$50,000 annual spend
- Up to US$2 million complimentary travel insurance coverage
- Unlimited complimentary airport lounge access
- Complimentary airport limousine transfer & expedited immigration clearance
- Annual income requirement: S$120,000
- Minimum age: 21 years old
- Annual fee: S$650 (No fee waiver)
HSBC Visa Infinite Card product summary:
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Pros ✅
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Cons ❌
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Base miles rate
Up to 1 mile per S$1 spent locally Up to 2 miles per S$1 spent overseas |
More than S$50,000 eligible spend within first 12 months of card approval to qualify for boosted miles rate
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Boosted miles rate
Up to 1.25 miles per S$1 spent locally Up to 2.25 miles per S$1 spent overseas |
Boosted miles rate (1.25 miles) for local spend not as high as other cards like HSBC Revolution (4 miles)
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Unlimited complimentary access to over 1,100 airport lounges worldwide for both primary and supplementary cardholders
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High annual income requirement of S$120,000
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Complimentary limousine transfer and expedited immigration clearance (under conditions)
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High annual fee of S$662.15
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Up to US$2 million complimentary COVID-19 travel insurance
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Must spend min. S$2,000 within calendar month to qualify for complimentary limousine service and expedited immigration clearance
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Additional 1% HSBC Everyday+ cashback for HSBC Everyday Global accountholders
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35,000 welcome bonus air miles for over 40 airlines
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Why should you choose HSBC Visa Infinite Card?
#1: 35,000 welcome bonus miles
The HSBC Visa Infinite Card comes with one of the highest welcome miles of 35,000, equivalent to one free economy-class return ticket to Hong Kong or Taipei.
#2: Unlimited access to airport lounges
The HSBC Visa Infinite Card comes with a complimentary Priority Pass membership card, which provides unlimited access to 1,300 airport lounges worldwide. Just present your HSBC Visa Infinite Card, boarding pass, and quote "LoungeKey" for complimentary access.
What's more, if you have an extra travelling companion, simply top up US$35 to bring a guest in to join and relax in the lounge with you.
See also: 6 Credit Cards Which Give Free Access to Airport Lounges
#3: Airport limousine transfer, expedited immigration clearance
Frequent travellers rely on such perks as limo transfers and airport lounge access to save time and help them stay fresh.
The HSBC Visa Infinite provides up to 24 airport limo transfers per calendar year and – get this – expedited immigration clearance for the cardholder and two guests upon arrival. This requires a minimum spend of S$2,000 spend per month.
However, do note, at least 1-day advance booking is needed for limo transfers and 3-day advance booking is needed for expedited immigration clearance.
Upon card approval, cardholders will receive two complimentary passes while HSBC Premier customers will receive four complimentary passes for the airport limo transfer and expedited immigration clearance per calendar year.
Yes, these complimentary passes will renew each year. Because who doesn't love to bypass long queues at immigration and be personally chauffeured from anywhere in Singapore straight to Changi Airport?
See also: Cheap and Free Ways to Get into Changi Airport Lounges
#4: COVID-19 Travel insurance coverage
The card comes with complimentary travel insurance coverage (cardholder and family) of up to US$2 million. This is the highest insurance coverage of any premium credit card in the market.
Meanwhile, extended COVID-19 coverage of up to S$100,000 is provided too.
Your travel ticket expense needs to be charged to your HSBC Visa Infinite card to qualify.
Refer to the full policy details for further coverage benefits.
Read more:
Where to Buy Travel Insurance With COVID-19 Coverage?
Is Travel Insurance With COVID-19 Coverage Still Necessary?
What charges or fees should you look out for?
- Annual fee: S$662.15 or S$497.12 (HSBC Premier customers)
- Late payment charge: S$100
- Minimum monthly payment: S$50 or 100% of interest, late fees, annual fee and overlimit fees + 1% of remaining outstanding balance + overlimit amount (or S$50, whichever is higher)*
- Overlimit fee: S$40
- Interest on purchases: 26.9% p.a. or a minimum charge of S$2.50
- Interest on cash advance: 28% p.a.
- Cash advance fee: 6% of amount or S$15, whichever is higher
- Foreign currency transaction fee: 3.25%
- Dynamic currency conversion fee: 1%
*Refer to the Fees and Charges section under HSBC's card FAQ for more information.
Eligibility criteria
- At least 21 years old
- Minimum annual income for Singaporeans and Foreigners: S$120,000
How to apply?
- Click any of the ‘Apply Now’ button on this page
- Complete the application form on SingSaver site.
- You might need to prepare the following documents for the application process:
- Front and back of NRIC/Passport/Employment Pass/Proof of billing address
- For Salaried employees: CPF Statement, latest Income Tax Notice of Assessment, and latest 3 months' original computerised payslip
- For Self-employed or Commission-based earners: CPF Statement, latest Income Tax Notice of Assessment (at least 1 year's), and latest original computerised payslip
- For Foreigners:
- Salaried employees: Latest 3 months' original computerised payslip, latest 3 months' bank statement with salary credit
- Self-employed: Latest Income Tax Notice of Assessment (at least 1 year's)
- Commission-based earners: Latest Income Tax Notice of Assessment (at least 1 year's) and latest 3 months' bank statement with salary credit
Should you get the HSBC Visa Infinite Card?
When regular travel is part of your lifestyle, seamless point-to-point transit helps minimise the stress of travelling. The HSBC Visa Infinite Card does that, distinguishing itself with perks that help frequent travellers do away with arguably the most tedious parts of flying.
A point to note is the high annual fee of S$662.15 (for new customers, S$497.12 for existing HSBC Premier Customers) as well as the annual income requirement of S$120,000.
But once you’ve had a taste of breezing through immigration, the time and stress saved make it all worth it, making the card a first-class premium travel card.
Find more miles credit cards on our SingSaver site.
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