Subscription Modal Banner
Weekly newsletter subscription
Get SingSaver’s top tips and deals, plus an exclusive free guide to investing, sent straight to your inbox.

I agree to the terms and conditions and agree to receive relevant marketing content according to the privacy policy.

Success Tick Icon
Congratulations on successfully joining Singsaver Newsletter

HSBC Visa Infinite Card Review (2023): First-Class Premium Travel Card

Emma Lam

Emma Lam

Last updated 13 January, 2023

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, it makes commuting between airports, home and work/office a real breeze.  

Click to jump to:

Looking for the best credit cards to complement your spending patterns and expenditure in 2023? Check out our Ultimate Credit Card Guide that covers all things credit cards in Singapore – from choosing between a cashback, miles, or rewards credit card to planning your credit card strategy.

What the HSBC Visa Infinite Card can do for you

HSBC Visa Infinite card product summary:



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 

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)

Unlimited complimentary access to over 1,100 airport lounges worldwide for both primary and supplementary cardholders

High annual income requirement of S$120,000

Complimentary limousine transfer and expedited immigration clearance (under conditions)

High annual fee of S$650

Automatic comprehensive COVID-19 travel insurance

Must spend min. S$2,000 within calendar month to qualify for complimentary limousine service and expedited immigration clearance

Additional 1% HSBC Everyday+ cashback for HSBC Everyday Global accountholders


35,000 welcome bonus air miles for over 40 airlines

  • Highest miles rate: 2.25 miles (per S$1 overseas spend)
  • Income requirement: S$120,000
  • Minimum age: 21 years old
  • Annual fee: S$650 (No fee waiver)

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 over 1,100 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 2x complimentary passes while HSBC Premier customers will receive 4x 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?

#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$656.08 or S$492.56 (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$50
  • Interest on card transactions: 26.9% p.a.
  • Interest on cash advance: 28% p.a.

*Refer to the Fees and Charges section under HSBC's card FAQ for more information.

Eligibility criteria

  • At least 21 years old
  • Min. annual income (Singaporean and Foreigner): S$120,000

How to apply?

  1. Click any of the ‘Apply Now’ button on this page
  2. Complete the application form on SingSaver site.
  3. You might need to prepare the following documents for the application process:
    • Front and back of NRIC/Passport/Employment Pass
    • Salaried employees: Past 12 months CPF statement (Singaporean/PR) or latest Income Tax Notice of Assessment and latest original computerised payslip
    • Self-employed: Latest Income Tax Notice of Assessment and latest original computerised payslip


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 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$650 (for new customers, S$488 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 makes it all worth it, making the card a first-class premium travel card. 

Find more miles credit cards on our SingSaver site.

Read these next:
Citi PremierMiles Card Review: Well-rounded Air Miles Card
UOB PRVI Miles Visa Credit Card Review: For Frequent Travellers
AMEX KrisFlyer Credit Card Review: Entry-Level Card For All Beginners
Cashback vs Miles vs Rewards: Which is the Best Credit Card?
Air Miles Cards: 8 Questions to Choose the Right Card

With a minor problem of ‘itchy fingers’ when it comes to checking out at flash deals and sales, Emma is on a lifelong journey to understand what being financially independent in adulthood means. That said, her inner child is still very much alive… with animals and gaming (especially Pokémon) being her weak spot.