HSBC Visa Infinite Credit Card Review

HSBC Visa Infinite Credit Card Review: Best for Luxury Travel Perks

Frequent travelers and flyers will find the HSBC Visa Infinite Credit Card’s unlimited VIP airport lounge access in 1,100 airports worldwide, international travel insurance, and luxurious VIP benefits from partner establishments anywhere in the world the best way to travel. However, the steep annual fees and high income required show that it won’t be easy to manage a card this powerful and exclusive.

Key Features

  • Get 2.25 air miles per S $1 spent overseas
  • Personal concierge services.
  • Global travel insurance
  • Access to over 1,100 HSBC airport lounges worldwide.
  • Expedited immigration clearance, limo rides, and more.
  • Dine in style in over 50 European restaurants and all participating merchants worldwide.
  • Annual Principal Fee: S $650
  • Supplementary Card Annual Fee Per Card: S $0
  • Late Payment Fees: S $55
  • Overlimit Fee: S $40



Here are the primary benefits that you would surely love to get from the HSBC Visa Infinite Credit Card.

1. Travel

  • You can earn up to 2.25 air miles for every S $1.00 spent overseas
  • HSBC’s international concierge service can arrange for every aspect of your travel, including hotel rooms, room upgrades, and restaurant reservations
  • You get unlimited access to over 1,100 HSBC VIP Airport lounges without reservations. Supplementary cardholders enjoy the same perks, too.
  • 24 complimentary limousine transfer rides from the airport to the hotel per year.
  • Expedited immigration clearance

2. Lodging

  • VIP guest status and preferential rates in many participating hotels, some of which are award-winning hotel and resort chains.
  • Free room upgrades where available

3. Dining and Others

  • Golf course privileges in participating golf courses worldwide.
  • Spa discounts and VIP treatment in select establishments.
  • Dining discounts at Singapore Marriott Tang Plaza Hotel.
  • Preferential rates and discounts at over 50 European restaurant chains.


Pros and Cons

Here are some of the perks and limitations of the HSBC Visa Credit Card.


  • Great exclusive benefits for frequent luxury travelers
  • HSBC concierge services are useful for quick travel arrangements anywhere in the world.
  • Participating merchant perks, discounts, and VIP treatments are greatly appealing.


  • High income requirement
  • High annual fees
  • HSBC Visa Infinite points aren’t the same and won’t pool with regular HSBC Visa Rewards Points


HSBC Visa Infinite Card: Overseas Spending Features

The HSBC miles card feature gives 1.15 miles per S $1 that you spend in Singapore. This doubles once you use your HSBC Visa Infinite overseas, giving you 2.25 miles per S $1 you spend anywhere in the world. In addition, if you’ve spent a total of S $50,000 with your card local or overseas, the 2.25 miles per S $1 becomes a permanent rate for all your local and overseas spending in the future.

All eligible purchases that you make overseas with the card will have an additional 2.8% charge above the item or service’s price. It’s wise to take note of this when traveling on a budget with the Visa Infinite.


HSBC Visa Infinite Credit Card vs. Other Cards In The Market

Here’s  how HSBC’s Visa Infinite Credit Card stacks up against other cards available in the country.

Credit Card Minimum Income Requirement Annual Interest Rate Cashback Cashback Cap Minimum Monthly Spending Rewards
HSBC Visa Infinite Credit Card S $120,000 25.90% n/a n/a n/a
  • Earn 2.25miles per S $1.00 that you spend
  • HSBC personal concierge service  for travel arrangements, from hotel bookings to dinner reservations.
  • Unlimited airport lounge access for both main and supplementary cardholders at any of the 1,100 VIP airport lounges worldwide. 
  • Luxury travel arrangements and VIP in many partner establishments all over the world
DBS Woman’s World Card S $80,000 for both Singaporeans and Foreigners  26.80% n/a n/a n/a
  • Earn 10 DBS rewards points for every S $5 local and overseas online spend with a cap of S $2,000 per month.
  • Earn 3 DBS rewards points for every S $5 overseas spend
  • Shoppers earn 1 DBS rewards point for every S $5 spent on all other categories
DBS Black Card S $30,000 (S $ S $45,000 foreigners) 26.80% 10% n/a S $1 (Visa contactless spending)
  • 1.2 miles per S$1 spend on local Visa contactless purchases
  • 1 DBS point per S $5 spent
  • 10% cashback on selected travel and retail websites
  • 0.4 miles on other purchases
  • 0% Interest Payment Plans (3, 6, 12-month payment periods only)
  • 14% fuel savings at Esso
Citi Rewards Card + Mastercard S $30,000 (S $42,000 for foreigners) 26.90% 1.6%-5% Unlimited None
  • Unlimited cashback without cap
  • Waived first-year annual interest rate
  • Cashback earned doesn’t expire
  • Pay With Points and SMS-claimable cash rebate
American Express True Cashback Card S $30,000 (S $60,000 for foreigners) 26.90% 3.0% Unlimited None
  • Unlimited cashback without cap
  • 22-Day interest-free period
  • 3% Cashback for the first six months. Spending cap of S $5,000
  • 1.5% cashback on any purchases after the first six months with no caps.
Standard Chartered Unlimited Cashback Credit Card S $30,000 (S $60,000 for foreigners) 26.90% 1.5% Unlimited None
  • The first two years annual fees waived
  • Unlimited cashback and caps
  • 1.5% cashback on all purchases with no caps
  • 22.61% Caltex Fuel Savings
HSBC Revolution Credit Card S $30,000 (S $40,000 for foreigners) 26.80% 2.5% Unlimited None
  • 4 miles or 10 points per S $1 spend online and via contactless payments (airlines, food delivery, and retail)
  • 0.4 miles (1 point) per S$1 on all other spend (non-contactless payment)
  • No minimum spend requirement and no annual fee
  • 16% off petrol at Caltex and 14% off at Shell


Man Paying With Credit Card

What We Think of The HSBC Visa Infinite Credit Card

The HSBC Revolution Credit Card outdoes the HSBC Visa Infinite by a huge mile because of its 4 miles or 10 HSBC points per S $1. Compare this with the 2.25 miles per S $1, which is the maximum per-dollar rate of the HSBC Visa Infinite, HSBC Revolution Credit Card seems like the best choice.

However, the HSBC Visa Infinite Credit Card gives you better services than the HSBC Revolution, even if it has a lower points-to-dollar ratio. You might have mileage to fly with the Revolution card, but you can only have limousine transfers, VIP room complimentary access, and huge discounts and VIP treatments from participating branches if you’re using the Visa Infinite Card.

The Bottom Line: If you prefer a luxurious travel experience worth all the cost you’ll go through with it, the HSBC Visa Infinite Credit Card is worth its low points-to-dollar ratio, high income, and annual fee requirements.


How to Apply for the HSBC Visa Infinite Credit Card

Here’s everything you’ll need to apply for the HSBC Visa Infinite Credit Card


  • Applicant must be 21 years old.
  • Applicant must have a minimum annual income of S $120,000



  • A copy of NRIC (Front & Back)
  • Latest 3 months computerized payslips
  • Company letter certifying employment and salary in SGD (dated within last 3 months from date of card application)
  • Latest min 3 months CPF Contribution History Statement
  • Latest 1 year of Income Tax Notice Assessment with latest 3 months computerized payslips / 12 Months CPF Statement.
  • A copy of your telecommunication or utility bill

Foreign applicants:

  • A copy of valid Passport
  • A copy of your Work Pass (Front & Back, min. 6 months validity)
  • A copy of your In-Principal Approval (IPA) if your Work Pass has less than 6 months validity
  • Latest 1 year of Income Tax Notice Assessment with latest computerized payslips
  • A copy of your telecommunication or utility bill.


  • Annual Principal Fee: S $650
  • Supplementary Card Annual Fee Per Card: S $0
  • Late Payment Fees: S $55
  • Overlimit Fee: S $40
  • Cash advance transaction fee: 6% (capped at S $15)


More Information About The HSBC Visa Infinite Card

Let’s answer some frequently asked questions about this card.

1. Do Miles Cards Offer Cashback?

The answer to this question depends on the card’s available features. For this card, you get a points system that’s exclusive only to the HSBC Visa Infinite. You can convert these points to miles using HSBC’s Mileage Program, which you can use to purchase flights. Alternatively, the points can buy you discount vouchers from HSBC’s Reward Points shop.

While it clearly doesn’t offer cashback, the Visa Infinite can give you discounts if you accumulate enough points.

2. Can I Save Money With The HSBC Visa Infinite Credit Card?

Based on its benefits, annual fees, other fees, and income requirements, we think that it can be challenging to save cash with the Visa Infinite. We see this card as a luxury or privilege card with services that are suitable for high-income earning individuals.

You do get discounts with preferential rates and in participating chains worldwide and by using the HSBC Reward Points shop that allows you to use your HSBC Infinite Visa points to purchase cash vouchers. However, we think that this isn’t enough to give the average spender a reason to use this card to save money when there are better choices, such as Maybank Family and Friends or grocery shopping-oriented cashback cards.


Final Thoughts

The HSBC Visa Infinite Credit Card is a great card that gives luxury travelers the chance to enjoy complimentary access to everything good that the world has to offer if they can afford the high income requirement and annual fee.

  • The HSBC Visa Infinite gives you great travel perks, such as a personal concierge service, limo transfers, exclusive hotel and dining deals, and more.
  • This card has very high income requirements and annual fee.
  • It’s more likely that average card users will spend much more than save money with this card.

The HSBC Infinite is one of the best travel cards out there, but if it’s challenging to overcome the high requirements and fees, you can always find other financial institutions for a grand overseas vacation. You can instantly find three excellent financial institutions quotes from Instant Loan. Fill out our quick 5-minute form to get your quotes right away!

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