HSBC Visa Infinite Credit Card

Pros & cons

Who is this card for

The HSBC Visa Infinite Credit Card is best suited for frequent international travellers and high-income professionals who value premium travel experiences and can maximise the card’s extensive privileges. It’s a strong fit for business travellers who want to rack up miles efficiently on both local and overseas spend, while enjoying perks like unlimited lounge access, airport transfers, and expedited immigration clearance. The card also appeals to high earners who can comfortably meet the S$50,000 annual spend requirement to unlock elevated miles rates. Finally, value seekers who appreciate a generous 35,000-mile welcome bonus, luxury hotel upgrades, and 24/7 concierge support will find this card a rewarding long-term companion for both work and leisure.

Compare to other cards

The HSBC Visa Infinite Credit Card is designed for affluent travellers who want to enjoy the full spectrum of luxury travel privileges. It offers unlimited lounge access for both primary and supplementary cardholders, up to 24 complimentary airport limousine transfers, and fast-track immigration clearance at select airports. Cardholders also enjoy comprehensive travel insurance, a 35,000 miles welcome bonus, and access to 21 transfer partners for flexible redemption. However, its non-waivable annual fee of S$662.15 and S$50,000 annual spend requirement to unlock the best earn rates may be a barrier for those who can’t maximise its high-end perks consistently.

In comparison, the Citi Prestige Card offers similar travel luxuries, such as unlimited global lounge access via Priority Pass, 4th-night-free hotel stays, and complimentary golf games. It also comes with competitive earn rates of 1.3 miles per S$1 on local spend and 2 miles per S$1 overseas, without requiring an annual minimum spend. Its annual fee of S$540 is waivable in certain scenarios, making it more forgiving for cardholders who want premium benefits without a high threshold. The Citi Prestige card is a solid choice for those seeking consistent travel perks, excellent hotel privileges, and a concierge service tailored to both business and leisure use.

Meanwhile, the DBS Altitude Visa Signature Card caters to frequent flyers who prefer flexibility and lower commitment. With a modest annual fee of S$194.40 that is waivable, it offers 1.2 miles per S$1 on local spend, 2 miles overseas, and up to 3 miles on online travel bookings. While lounge access is limited to 2 complimentary visits per year, it’s still a strong entry-level travel card. It doesn’t offer the same tier of luxury benefits as the HSBC or Citi cards, but it’s ideal for those who want to earn air miles steadily without needing to spend tens of thousands annually — making it perfect for budget-savvy travellers or younger professionals starting their rewards journey.

HSBC Visa Infinite Credit Card

Interest rate: 27.8%

Annual fee: S$ 662.15

Minimum annual income: $120000

Benefits:

• Unlimited complimentary access to over 1100 airport lounges worldwide for primary and supplementary cardholders
• Up to 24 complimentary airport limousine transfer per year
• Expedited immigration clearance at select airports
• Complimentary travel insurance coverage of up to US$2 million
• Earn up to 2.25 miles per S$1 on overseas spend and up to 1.25 miles per S$1 on local spend (with S$50,000 annual spend)
• Access to 21 airline and hotel transfer partners with instant redemptions in small blocks
• 1-for-1 dining, lifestyle, and travel deals via the ENTERTAINER with HSBC app
• 24/7 personalised concierge service for travel and lifestyle assistance
• Complimentary green fees and golf insurance coverage of up to S$500,000
• E-commerce protection of up to US$1,000 annually for online purchases
• Visa Infinite privileges including luxury hotel perks and upgrades
• Complimentary access to Visa Luxury Hotel Collection benefits

DBS Altitude Signature

Interest rate: 27.8%

Annual fee: $ 196.20

Minimum annual income:

• $30,000 for Singaporeans and PRs
• $45,000 for foreigners

Benefits:

• Up to 1.3 miles per $1 spent locally, including bus and train rides.
• Up to 2.2 miles per $1 spent on overseas purchases in foreign currency.
• Receive 10,000 bonus miles when you pay the annual fee of $196.20
• 2 free lounge visits within each 12-month period of your membership to over 1,500 airport lounges worldwide.

Citi Premier Miles

Interest rate: 27.9%

Annual fee: $196.20 (first year waived)

Minimum annual income:

• $30,000 for Singaporeans and PRs
• $42,000 for foreigners

Benefits:

• 1.2 miles per $1 spent locally.
• 2.2 miles per $1 spent in foreign currency.
• Citi Miles never expire. Can be exchanged for a variety of frequent flyer miles, hotel stays, rewards and cash rebates.
• Use Citi PayAll to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
• Earn miles on rent, condo management fees, school fees, taxes and bills via Citi PayAll.
• 2 free airport lounge visits per year to over 1300 Priority Pass lounges worldwide.
• Up to $1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi PremierMiles Card will be updated to end on 31 March 2026. For more information, please click here.
• 11 different airline and hotel transfer partners.

Credit card application

*Important notice: HSBC has temporarily stopped applications for the HSBC Visa Infinite Credit Card.

Step 1: Begin your application via SingSaver

Click on the “Apply Now” button on this page to get started. You’ll be redirected to HSBC’s official application portal after entering your email — this allows SingSaver to send you details about your exclusive reward. For a faster process, use SingPass MyInfo to auto-fill your personal and income information. Most applicants receive an approval-in-principle within minutes.

Step 2: Provide supporting documents (if required)

HSBC may request additional documentation depending on your profile. They may require more or less documents depending on your occupational status, so do have everything ready.

Documents could include:

• NRIC 
• Notice of Assessment and CPF Statement via Myinfo
• Latest 3 months' computerised pay slips
• Latest 1 year' Notice of Assessment
• Proof of billing address (for correspondence address using office address or home address which is different from the address on NRIC/Myinfo)

Step 3: Receive and activate your card

Upon approval, your HSBC Visa Infinite Credit Card will be sent to your mailing address. You can easily activate it and manage your account through the HSBC Singapore mobile app.

Credit card application resources

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Frequently asked questions about the HSBC Visa Infinite Credit Card