CIMB Visa Infinite Credit Card

CIMB Visa Infinite Credit Card

No-Fee Cashback for Frequent Travellers Who Spend Overseas

Good for

  • Frequent travellers who prefer cashback to miles, but still value travel perks
  • Individuals who often spend overseas and with foreign currency
  • People who want a no-fee annual credit card

Bad for

  • Consumers who rarely travel and primarily spend locally
  • Travellers willing to pay an annual fee for more luxury privileges
  • Individuals looking to maximise cashback on daily expenditures

Editor's Rating

4.0/5.0

CIMB Visa Infinite Card is an ideal no-fee option for frequent travellers who spend overseas and prefer cashback to miles. While there are some barriers to entry (specifically, a minimum salary of S$120,000 per annum is required for approval), the card itself offers great benefits to average spenders. Those who meet a minimum qualifying spend of S$2,000 per month unlock unlimited 2% cashback on all travel, overseas, and foreign currency expenditures. Consumers also receive 1% cash on all retail regardless of spend level. The card additionally offers perks like travel insurance and lounge access without charging an annual fee – a great alternative to pricey travel cards. Overall, frequent travellers who meet the salary requirement can earn easy, no maintenance cashback for their travel and overseas expenses with CIMB Visa Infinite Card, and even enjoy a few travel perks along the way.

ProsCons
  • No annual fee for life
  • Unlimited 2% cashback on all travel and foreign exchange expenses
  • Unlimited 1% cashback on all retail transactions, no minimum qualifying spend
  • Up to 3 complimentary airport lounge visits annually
  • Complimentary travel insurance
  • CIMB 0% i.Pay Plan (continued cashback, flexible payment schedules, interest free payments)
  • Promotion: Up to S$120 cash credit when you spend S$400 within first 2 months from card approval
  • Higher cashback rate does not apply to common, everyday purchases
  • Fewer travel perks and privileges than some travel cards
  • High minimum salary requirement for approval (S$120,000 per annum)

What Makes CIMB Visa Infinite Card Stand Out

CIMB Visa Infinite Card is a good option for high earners seeking a no-fee cashback card that rewards frequent travel and provides travel perks. Before getting into details, it's important to know that consumers must earn at least S$120,000 per year in order to qualify for card approval. In addition, consumers interested in maximising their rewards potential with this card will need to spend at least S$2,000 per month. Consumers can still earn 1% unlimited cashback regardless of spend; however, in this case they would benefit more from cards that have a higher unlimited base rate like UOB One Card.

What makes CIMB Visa Signature Card stand out is that, in addition to rewarding travel-oriented behavior, it offers elevated travel perks without charging an annual fee. Some of these perks include complimentary travel insurance, airport lounge access, and discounted limousine transfers. Travel cards with comparable benefits often have a sizeable annual fee.

CIMB Airport Companion Programme: Travel Perks
  • Discounts of up to 50% at selected dining outlets in airports worldwide
  • 10% discount when you book an Airport Limousine transfer, available in 300 cities
  • 10% discount on Meet & Greet services, available at 120 airports worldwide
  • Visa Infinite Concierge
  • Complimentary travel insurance up to S$1,000,000

It's worth pointing out that those who earn enough to qualify for CIMB Visa Infinite Card might be willing to pay an annual fee to access luxury benefits. Affluent travellers who value overseas hotel privileges, spa packages, and elite loyalty programs might consider more rewarding travel cards with fees instead.

Overall, CIMB Visa Infinite Card could work well for high-earning travellers who enjoy travel perks but prefer not to pay an annual fee. With it's no-fee status, it offers value to anyone travelling abroad and can even serve as a supplement to other cards without adding maintenance or cost. Those who meet the salary requirement, spend at least S$2,000 monthly, and travel abroad should consider applying for CIMB Visa Infinite Card.

How Does CIMB Visa Infinite Card Rebate Program Work?

Use our quick and easy-to-read guide below to learn how you you can redeem CIMB Visa Infinite Card rewards.

  • Every 1 dollar of cashback earned is equal to S$1
  • Cashback is credited to the cardholder's account monthly
  • Cashback is automatically forfeited and is non-transferable when an account is closed

CIMB Visa Infinite Card Rewards Exclusions

Some credit card expenditures are ineligible for cash back or rebate. We identify these exclusions in the table below.

Exclusion CategoryDescription
Bank FeesInterest charges, late payment charges, cash advances, quasi-cash transactions, balance and/or funds transfers to or from the Card Account, any credit card transaction that was subsequently cancelled, voided or reversed for any reason, any fees payable to the Bank (or any other third party) for transfer of any debit balance on any other credit card to a Card, any other interest/fees/charges (including without limitation, cash advance, annual or monthly fees or charges) imposed by the Bank from time to time, and any other transactions that may be prescribed by the Bank
Transfers & Bill PaymentsAny payments for utilities (this includes but is not limited to electric, gas, heating oil, sanitary and water utility bill payments), payments done via any AXS network
Institutional PaymentsPayments to government institutions (this includes but is not limited to government services, government related postal services, government related purchases, court costs, fines, bail and bond payments and tax payments), insurance companies, and donations or payments to non-profit organisations (this includes but is not limited to religious and charitable organizations and social services)
Betting or GamblingAny gambling-related transactions

CIMB Visa Infinite Card's Features and Benefits:

CIMB Visa Infinite Card
Details & Benefits
Annual FeeS$0.0, Perpetual waiver
Annual Income RequirementS$120,000 for locals, S$120,000 for foreigners
Card Details
  • No annual fee for life
  • Unlimited 2% cashback on all travel expenses (airlines, hotels, travel agencies, and tour operators)
  • Unlimited 2% cashback on transactions made and processed overseas
  • Unlimited 2% cashback on transactions in foreign currencies, both online and offline
  • Unlimited 1% cashback on all retail transactions, no minimum qualifying spend
  • DragonPass membership (access to 1,000 airport lounges globally)
  • Up to 3 complimentary airport lounge visits annually
  • 10% discount on airport limousine transfers
  • 10% discount on Meet & Greet services at 120 airports worldwide
  • Up to 50% discounts on select dining outlets in airports worldwide
  • Complimentary travel insurance
  • Visa Infinite Concierge
  • Dining privileges at select outlets (Peach Garden Chinese Restaurant, Xin Cuisine Chinese Restaurant, La Nonna, Spizza)
  • CIMB Deals & Discounts (network of 1,000+ merchants in Singapore, Indonesia and Malaysia)
  • CIMB 0% i.Pay Plan (continued cashback, flexible payment schedules, interest free payments)
  • Promotion: Up to S$120 cash credit when you spend S$400 within first 2 months from card approval

How does CIMB Visa Infinite Compare Against Other Cards?

Read our comparisons of CIMB Visa Infinite with other cards and learn what makes each card unique in their own way. We compare and contrast each card to highlight its uniqueness to help you identify the card that you need.

CIMB Visa Infinite Card performs below the market average for financial value-to-consumer after two years but provides extra travel perks not typically associated with a cashback card

CIMB Visa Infinite Card v. Standard Chartered Visa Infinite Credit Card

Consider this if you travel frequently for business

Annual Income Requirement S$150,000
Foreigner Income Requirement S$150,000

Standard Chartered Visa Infinite Card is a great travel card for business travellers seeking both miles rewards and luxury benefits. The card offers 1.4 miles for every S$1 in local spend and 3 miles for every S$1 in overseas spend after a S$2,000 minimum monthly spend. At this rate, consumers on a prolonged stay overseas or who travel so frequently that they primarily spend abroad are best positioned to earn rapid miles rewards. In the process, cardholders can enjoy a variety of travel perks including Priority Pass membership, luxury hotel and resort privileges, spa deals, and golfing privileges. Consumers are also expected to pay a hefty, non-waivable annual fee of S$588.50, however. Consumers who travel and enjoy travel perks, but value no annual fee over luxury benefits, should consider CIMB Visa Infinite Card as an alternative.

CIMB Visa Infinite Card v. CIMB World MasterCard

CIMB World Mastercard

Consider this if you prefer a no-fee card and enjoy golfing across SE Asia

Annual Income Requirement S$120,000
Foreigner Income Requirement S$120,000

If you're an avid golfer seeking privileges across SE Asia, but want to avoid cards with an annual fee, CIMB World MasterCard is the perfect option for you. This card offers access to prominent golf courses across Singapore, Malaysia, Indonesia, Thailand, Cambodia, Philippines and Vietnam without paying green fees. Cardholders also receive dining privileges at regional restaurants and 1% unlimited cashback on all spend, local and overseas. Because it's a no-fee card, CIMB World MasterCard offers consumers the golf privileges they want along with extra features that bring value without adding cost or maintenance. While the card has a lot to offer, the benefits are fairly regionalised to SE Asia. Consumers who enjoy travelling beyond SE Asia might instead seek out the no-fee CIMB Visa Infinite Card, which rewards travel and overseas spend around the globe.

CIMB Visa Infinite Card v. Citi PremierMiles Visa Card

Consider this if you are looking for a standard miles reward credit card

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000

For consumers seeking a straightforward travel card with perks and valuable promotions, Citi PremierMiles Visa Card is a great fit. All S$1 spend earns 1.2 Citi Miles locally and 2.4 Citi Miles overseas, but frequent special offers boost earning potential dramatically. New cardmembers can often earn 20,000+ miles in welcome gifts upon approval. In addition to perks like travel insurance and airport lounge access, cardholders can redeem Citi Miles (which never expire) with over 60 airlines and 8,000 hotel properties. Citi PMV is great for consumers who would like to earn miles from daily spend, and easily re-apply those miles to future travel. Travellers who would like even more flexibility in how they apply their rewards might consider CIMB Visa Infinite Card as rewards travel with cashback and has no annual fee.

CIMB Visa Infinite Card v. DBS Altitude Card

Consider this if you're looking for a good miles card with an easily waived annual fee

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000

DBS Altitude Card is one of the best no-fee travel cards for consumers with diversified spending habits. For S$1 spend, consumers earn 1.2 miles on local transactions and 2 miles on overseas transactions. The card also has travel perks such as travel insurance and lounge access. But perhaps the best benefits of the card is that the annual fee can be easily waived by spending S$25,000 each year, which is fairly accessible to the average spender. Those who meet this spend can earn miles with every transaction, without any added cost or maintenance. For consumers looking for no-fee options who find DBS Altitude Card appealing, but would prefer to earn cashback, CIMB Visa Infinite Card is a worth consideration.

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