HSBC Visa Infinite Credit Card

Last updated:May 2021
Min. Annual Income
1.25Miles Per Dollar
Local Spendingon local spend
2.2Miles Per Dollar
Overseas Spendingon overseas spend


Welcome Offers from HSBC


Enjoy 35,000 miles and S$30 cashback

  • Promotion valid only for new HSBC cardmembers
  • Miles are awarded in the form of HSBC Rewards Points within 30 days of card approval
  • Valid till 30 June 2021
  • Terms and Conditions apply
Airport Lounge Access
Airport Lounge Access
Big Ticket Purchases
Big Ticket Purchases
Airport Lounge Access
Airport Lounge Access
Big Ticket Purchases
Big Ticket Purchases

Great for

1 mile per S$1 spent locally (1.25 miles per S$1 from Year 2 onwards, with min. spend of S$50,000 per year)
2 miles per S$1 spent overseas (2.25 miles per S$1 from Year 2 onwards, with min. spend of S$50,000 per year)
Unlimited airport lounge access worldwide for cardmember
1 free limousine transfer to Changi Airport + expedited immigration clearance with every S$2,000 spent
Up to US$2 million travel insurance coverage when you charge your travel tickets to this card
Free Premium ENTERTAINER access, with 1-for-1 dining, lifestyle and hotel deals

Need to know

To convert HSBC rewards points to air miles, you need to pay annual mileage programme fee of S$42.80
Min. spending of S$50,000 per year required to earn miles at accelerated rate
Min. spending of S$2,000 required to redeem each limousine transfer + expedited immigration clearance. Capped at 24 redemptions per year.
High annual fee of S$650 (or S$488 for HSBC Premier customers) with no annual fee waiver


Year-round rewards

Cash rebate
Air miles rewards
Cash rebate
Air miles rewards
All Spending
0.63 %
Local Spending
1.25 miles per dollar
Overseas Spending
2.2 miles per dollar



Isn't the best product for you?

Compare more credit cards on SingSaver

Need some help?
No worries, we've got you covered!
What is a business credit card?

Business credit cards, sometimes known as corporate or commercial credit cards, are cards that can be used by an employee or owner of a company to pay for business expenses. They are good for freeing up cash flow by using a line of credit to pay for business expenses. 

It usually comes with perks such as rewards programs, additional cardmembers and expense reporting systems. Also, with a business card, the company is liable for the debt and not the individual, unlike a personal credit card.

What’s the difference between a business credit card and a personal credit card?

Business credit cards, unlike personal credit cards, are designed specifically for work expenditure. They may include features such as additional cards for employees, customisable spending limits and expense tracking. 

Both credit cards, however, are similar in a few other ways. Both give you access to funds up to a specified limit, and allow you to pay off outstanding balance over time (albeit with interest charges if you fail to make payment on time). They also include annual fees, as well as additional costs such as rewards redemption cost.

What are the perks of using a business credit card?

As a business owner, a business credit card gives you more control and visibility over your business expenses. It can also help you to manage your company’s travel and entertainment expenses. You can also enjoy other perks such as: 

  • Rebates or rewards on your spend 
  • Complimentary travel insurance 
  • Withdrawal services worldwide 
  • Complimentary lounge visits 

You could also have at your disposal management and reporting tools, as well as insurance coverage for employee misuse.

What are the types of business credit cards?

Rewards business credit cards: Earn cash, miles or points as you spend. 

Frequent flyer business credit cards: Earn airline loyalty points for every dollar you spend. You can also use these accumulated points to redeem business flights, upgrades, accommodation, cashback and other perks for yourself and your employees. 

Low interest rate business credit cards: Offer flexible financing for business owners. 

Corporate business credit cards: These cards are issued to employees to allow them to charge authorised business expenses such as hotel stays and flight tickets.

How do I qualify for a business credit card?

The qualifying criteria for a business credit card differs from bank to bank. Some of the criteria include: 

  • At least 21 years old 
  • Applicant should be a business owner and/or person with executive authority of a Company/Business with a Valid UEN 
  • Company must be registered in Singapore (with ACRA) Company must be in operation for at least a number of years 
  • Company must meet the minimum annual sales turnover requirement
Do I need a business credit card for my small business?

Having a business card for your small business isn’t compulsory. However, a business credit card offers a range of benefits for small business owners that make running a business easier and more organised — such as higher credit limits, a separate credit amount for your business, tracking expenses and boosting credit rating, among others.

How do I apply for a business credit card?

To apply for a business credit card, besides filling in the application form provided, you also should have: 

  • Formed a business entity to help separate your personal credit from that of your company 
  • Set up your company by registering with ACRA 
  • Start a business bank account

You might also require: 

  • Company ACRA or Unique Entity Number 
  • Photocopy of NRIC/passport 
  • Last 2 years’ Income Tax Notice of Assessment
What are the fees and charges for business credit cards?

Similar to personal credit cards, business credit cards also charge an annual fee. This annual fee ranges from S$100 to S$300. Some credit cards might waive the annual fees, typically for up to 1 to 2 years. Other charges to take note of include interest rates, currency conversion fees, cash advance fees and late payment fees.


© 2015 - 2021 SingSaver PTE LTD. All rights reserved. This online platform is operated by SingSaver Pte. Ltd. and by continuing to use (the “SingSaver Website”) or by carrying out a transaction on the SingSaver Website, users are deemed to have agreed with the Terms and Conditions and Privacy Policy of the SingSaver Website. All insurance product-related transactions on the SingSaver Website are arranged and administered by SingSaver Insurance Brokers Pte. Ltd., a wholly owned subsidiary of SingSaver Pte. Ltd. SingSaver Insurance Brokers Pte. Ltd. is a licensed and authorised broker regulated by the Monetary Authority of Singapore (“MAS”). SingSaver Pte. Ltd. (which administers all other financial products on the SingSaver Website) is not regulated by MAS. SingSaver is located at 89 Neil Road, #03-01, Singapore 088849.