Visa Infinite: Your Gateway to Premium Privileges in Singapore

Designed for high-net-worth individuals, the Visa Inifinite card provides a host of luxurious benefits ranging from global acceptance to hundreds of deals, discounts and privileges. Whether you’re a frequent traveller, a discerning shopper, or someone who seeks exceptional service, Visa Infinite is a card that complements your elevated lifestyle.

In Singapore, Visa Infinite has become a popular choice among those who demand the best, with bespoke privileges and protections catering to the unique needs of local users. From purchase protection to complimentary airport lounge access, the Visa Infinite card is your passport to a world of exceptional benefits.

In this guide, we’ll delve into the various features of Visa Infinite, explain how they work, and discuss why this card is a must-have for those seeking the ultimate credit card experience.

Overview of Visa Infinite benefits

Visa Infinite offers a comprehensive suite of benefits designed to enhance your lifestyle. With its unmatched combination of rewards, protections, and premium services, the card delivers value to those who demand excellence. 

Main benefits of the Infinite level

While Visa sets a standard suite of benefits for its Infinite cards, individual banks may offer additional perks or variations. Prospective cardholders should review the specific offerings of each card to determine the best fit for their lifestyle and needs.​

Some of the advantages you can get from Visa Infinite include:​

• Airport lounge access: Enjoy complimentary access to airport lounges worldwide through the Priority Pass programme. This benefit includes refreshments, Wi-Fi, and a tranquil environment for travellers.

• Luxury hotel privileges: Gain access to the Visa Luxury Hotel Collection, which provides exclusive benefits such as complimentary breakfast, room upgrades, and late check-out.

• Concierge services: Access 24/7 global concierge services for assistance.

• Visa Infinite golf: Exclusive weekday golf discounts across Southeast Asia, including complimentary golf at Sentosa Golf Club.

Other benefits for Infinite cardholders

When it comes to premium credit cards, most of us expect top-tier perks that justify the exclusivity. However, not every benefit included in these high-end cards is a luxury. 

With Infinite cards, while the spotlight often shines on their prestigious features, some of the benefits from traditional cards are also included in the Infinite cards. Some of the perks include: 

• Discounts for countless experiences: Enjoy a wide range of experiences, from attractions to aeroplane tickets, at discounted rates using your Visa cards via Expedia, Agoda, Rakuten Travel, and more

• Dine & save: Get up to 20% discount at selected restaurants with all Visa cards.

• Stay at IHG: Stay at one of IHG hotels and resorts in Singapore, Thailand, Vietnam, Korea, Indonesia, Malaysia, Philippines, Maldives, Laos, Japan, Micronesia, Australia, New Zealand, and South Pacific Islands and get up to 20% discount with any Visa cards.

• PAZZION: Get 10% off when you spend S$250 or more in a single receipt using your Visa card.

Maximising your card: VISA vs. bank perks in Singapore

As mentioned, Visa Infinite benefits are provided through two main sources: Visa itself and the individual bank or issuer offering the card.

• Visa benefits are standard perks applicable to all Visa Infinite cards globally, such as airport lounge access, concierge services, and travel insurance.

• Issuer benefits refer to added unique benefits from each bank, such as higher cashback rates, air miles, or reward points, tailored to meet the preferences of their customers.

Some of the issuer's benefits that you can get with Visa Infinite cards include:

• Travel insurance: Visa Infinite covers travel mishaps, including trip cancellations, delays, and medical emergencies.

• Dining offers: Enjoy exclusive dining privileges at some of Singapore’s finest restaurants, with discounts, complimentary dishes, and curated experiences.

• Cashback: Some cards offer cashback on overseas spending with no minimum spend or cap.

• Fee waivers: Certain Visa Infinite card issuers offer no annual fees for the first year, providing cost-effective access to premium benefits.

• Miles accumulation: Enhanced miles earning rates on both local and overseas expenses, facilitating faster accumulation of travel rewards. 

• Luxury airport transfers: Some cards, such as Maybank, provide complimentary luxury airport transfers at discounted rates.

Purchase coverage

Visa Infinite’s purchase protection feature is a valuable benefit that provides peace of mind for your everyday purchases. With this feature, you’re covered against theft or accidental damage, ensuring your investments are secure.

How it works

Visa Signature and Visa Infinite cardholders can enjoy eCommerce Purchase Protection, a feature designed to provide peace of mind when shopping online. This new protection, brought to you by AIG and sponsored by Visa, is hassle-free and requires no prior registration of your card or purchases. 

• Provides added protection and peace of mind for online shopping.

• Covers up to US$1,000 per annum for Visa Infinite cardholders.

Things to consider

• Claims and associated documentation are managed exclusively by AIG, which evaluates and pays claims directly to the cardholders.

• Claims, complaints, or disputes must be settled directly with AIG, as Visa does not handle claims or provide insurance advice.

• Visa is not responsible for claims handling, evaluation, or payment and is not liable for any losses, damages, or disputes arising from the programme.

Chargeback policy

How it works

Visa Singapore's chargeback policy provides cardholders with a mechanism to dispute transactions if their expectations are not met or if they encounter specific issues with their purchases. This policy is designed to protect consumers by ensuring fair practices and providing recourse in case of disputes.

Chargeback coverage includes:

• Online purchases if the merchandise is damaged, defective, counterfeit, or misrepresented. 

Things to consider

• Customers are encouraged to first resolve the issue directly with the merchant. 

• If unsuccessful, customers caninitiate a dispute with their card issuer, keeping in mind any deadlines imposed by the issuing bank.

Trip cancellation coverage

How it works

Each issuer has a specific trip cancellation policy. The benefit limit and coverage conditions vary by bank but generally require adherence to specific procedures, such as immediate notification to the travel operator or provider.

Visa Infinite trip cancellation insurance provides reimbursement for non-recoverable travel and accommodation expenses if a trip is cancelled within 30 days of departure due to eligible events. These typically include:

• Death, serious illness, or injury of the insured person, immediate family member, or travel companion.

• Unexpected events such as natural disasters, strikes, riots, or hijacking.

Things to consider

• The insured person must be medically fit to travel at the time of booking. Failure to inform the pre-existing condition may result in ineligibility for reimbursement.

• Insurance may not apply for certain reasons, such as unforeseen government regulations, pandemics, or trip cancellations by the insured person due to personal financial reasons.

Coverage for delayed travel

How it works

Visa Infinite travel delay coverage compensates travellers for specific inconveniences caused by flight delays, cancellations, or misconnections. However, keep in mind that each bank or card issuer may apply different policies regarding this case.

What will be typically covered and what to expect:

• If your flight is delayed by four to six hours or more (the exact duration depends on the issuer), you can claim reimbursement for essential expenses like meals, accommodation, and transportation.

• Claims must include proof of delay, such as airline documentation, receipts for expenses, and travel itineraries. 

Things to consider

• Each issuer’s policy has a cap on compensation, often shared among all insured persons per trip. Travellers should review their coverage limits to manage expectations.

• Delays caused by factors outside the listed events (e.g., personal fault, unverified claims, or onward connections not tied to specified issues) may not be eligible for compensation.

• Certain scenarios can be excluded, such as:

  • Delays occur in the traveller’s home country.

  • Delays resulting from known circumstances (e.g., ongoing strikes or weather issues existing at the time of booking).

  • Costs that are covered by other insurance, miles redemption, or reimbursed by airlines, hotels, or travel agents will not be compensated.

Travel accident insurance

How it works

Visa Infinite travel accident insurance offers protection for unexpected incidents during trips, including accidental injuries, medical emergencies, and permanent disabilities. However, it’s important to note that each card issuer may have different policies, coverage limits, and claim mechanisms. 

Cardholders should review their issuer’s specific terms to fully understand the benefits and procedures associated with this coverage.

• Coverage applies to accidental injuries, medical emergencies, and permanent disabilities incurred during domestic or overseas travel booked with your Visa Infinite card.

• Cardholders or their beneficiaries can file a claim by providing relevant medical reports, travel documents, and receipts.

Lost baggage coverage

How it works

Lost or delayed baggage can disrupt your travel plans, but Visa Infinite ensures you’re covered with its lost baggage reimbursement feature. Cardholders should check their issuer’s terms for exact coverage amounts and claim procedures.

What to expect:

• If luggage is not delivered within 48 hours, it is considered permanently lost.

• Cardholders can claim reimbursement for emergency purchases made within four days of arrival at the destination, subject to a maximum coverage limit.

• Coverage also extends to personal baggage lost or damaged due to natural disasters or events beyond the cardholder’s control, as long as reasonable precautions are taken.

Things to consider

• Claims require proof such as police reports, airline confirmation of delay or loss, and receipts for emergency purchases.

• Limits may apply to specific items, such as a cap for laptops, or single items like shoes or cameras.

• Cardholders must report incidents to the relevant authorities within 24 hours and provide written evidence for claims.

• Precautions must be taken to prevent unattended baggage in public places

Other Visa Infinite benefits

From premium travel perks and luxury hotel privileges to priority access to events, Visa Infinite ensures that every experience is elevated to a new level of convenience and sophistication.

Depending on the issuer’s programme, some of the additional Visa Infinite benefits you can enjoy may include:

• Global Customer Assistance: Assistance with lost or stolen cards, including account blocking, replacement card issuance, and emergency cash.

• Global ATM Network: Access to cash at over 1.9 million ATM locations worldwide.

• Lifestyle and entertainment discounts: Special rates at ABSURDITIES, Athleaders, BBC Maestro, ClassPass, Crane, Museum of Ice Cream Singapore, Noel Gifts International Ltd, Oasia Spa at Oasia Resort Sentosa, PAZZION, and more.

• Discounts on dining at various restaurants: Enjoy discounts at Aged & Butchered, Carbon, Ironplate, and many more.

Visa Infinite isn’t just a credit card—it’s a lifestyle companion designed for those who value exclusivity, protection, and convenience. Whether you’re dining at Singapore’s top restaurants, shopping at luxury boutiques, or jetting off to exotic destinations, Visa Infinite ensures you experience the best the world has to offer.