HSBC Visa Infinite Credit Card Review

This is a review of the HSBC Visa Infinite Credit Card which is a Visa credit card issued by HSBC bank in Singapore.

HSBC Visa Infinite Credit Card Review

About the Card

The HSBC Visa Infinite Credit Card is one of HSBC’s latest credit cards designed for affluent jetsetters and part of the Visa Infinite program, which rewards members with perks including expedited airport immigration clearance in major cities and use of VIP lounges at terminals.

Sign-Up Bonus

You get either 30,000 air miles or a 4X Cathay Pacific Economy flights to Hong Kong (taxes and fees still to be charged) when you sign up for Infinite membership.

Contrary to most credit cards, membership is by invitation only.  There is a section in the website where you can register your interest and an Infinite Membership Service Representative will get in touch with you.

Other Benefits

The HSBC Visa Infinite Credit Card has quite a few ancillary benefits that might be of interest to you. Travel wise, the card offers you the following with a spend of S$5,000 every quarter, you are offered unlimited and complimentary services. These include:

  • unlimited one way limousine transfer to the airport per travel,
  • unlimited access to JetQuay terminal which includes private check-in service (unclear if still being offered as of October)
  • expedited immigration clearance in major airports within Asia (Bali and Hong Kong however have recently stopped supporting this in view of heavy traffic)
  • Primary/supplementary cardholders are offered unlimited access to over 6,000 VIP airport lounges worldwide. A Priority Pass Membership card issued after the approval of the credit card provides the lounge access.
  • You are also provided worldwide travel accident insurance programme that covers you for up to US$2 million and emergency travel and medical assistance coverage of up to S$100,000.

The slight caveat here is that it is important that S$5,000 is spent in that quarter – failing this, all travel charges related to the above in that quarter could be charged back to you.

Various Lifestyle benefits are also included.

Visa Infinite Benefits

As this is a Visa Infinite Card there are also some exclusive offers that Visa itself provide members:

  • Lounge access and preferential treatment using Priority Pass for a year
  • Complimentary partner Golf Fee Card with the purchase of Golf Fee card membership, discounted green fees at over 2,000 golf courses and 500 golf resorts worldwide for golf enthusiasts
  • Invitation to complimentary Hilton HHonors Gold status
  • Discounted rates at Six Senses Resorts and Spas, luxury hotels like Mandarin Oriental and Park Hyatt
  • Complimentary daily breakfast and room upgrades at Langham Hospitality group
  • Shopping deals at, Harrods instore and online, Bic Camera and Chic outlet shopping
  • Discounted rates on Visa AsiaJets Program, Avis and Hertz car rental program

For me the big ticket items are Priority Pass and the Hilton HHonors Gold Status.

What is the Annual Fee?

Principal Card: Membership by invitation only – S$ 487.99 (including GST) No waiver of fees is allowed.

Supplementary Card: Free

What Do You Earn per $1?

Year 1: 1 air mile earned per S$1 spent locally and 2 air miles earned per S$1 spent overseas

Year 2: Up to 1.5 air miles earned per S$ 1 spent locally and up to 2.5 air miles earned per S$1 spent oversea

For a minimum spend of S$50,000 in Year 1, you get to earn 1.25 air miles per S$1 in year 2 for local spend, 2.25 air miles per $1 for overseas spend.

For a minimum of S$75,000 in Year 1, you get to earn 1.5 air miles per $1 in year 2 for local spend, 2.5 air miles per S$1 for overseas spend.

What is a Point Worth?

The points are earned at a ratio of 2.5:1 for local spend and 5:1 for overseas expenditure. All air miles are credited in the form of HSBC Rewards points. To convert the air miles into Kris Flyer or Asia Miles, you would have to enrol into HSBCs Mileage Programme which comes with a S$40 annual programme fee.

Every block of 2,500 Points is then redeemable for 1,000 KrisFlyer or Asia Miles.

I’ve done a few pieces on what a KrisFlyer Mile is actually worth:

How Does this Compare?

The 1 KrisFlyer or Asia Mile earned per S$1 pales in comparison to some of the other travel credit cards out there. On the other hand, the welcome gesture of 30,000 air miles redeemable with over 30 leading airlines, equating to 30,000 KrisFlyer or Asia Miles is indeed one of the biggest sign-up bonuses and noteworthy. In addition, the Visa Infinite benefits offer complimentary Hilton HHonors Gold Status which brings with it complimentary room upgrades at select hotels, breakfast and bonus on base points earned.


Sign up bonus – 9/10

Ongoing Spend – 4/10

This card is predominantly aimed at the affluent and privileged circle of jetsetters, who would want to enjoy the exceptional privileges and lavish services. Whilst the earning on KrisFlyer or Asia Miles per dollar spent is not attractive in my opinion, the card does offer personalised services for the high end category. For those who do not have a KrisFlyer status or card, the Priority Pass membership card provides the access to several airport lounges and makes the wait in the airport one notch more comfortable.

Here is the link to the card page on HSBC Site: