CIMB Visa Infinite Credit Card
CIMB Visa Infinite Credit Card
- Best fit for monthly budgets above S$2,000
- Unlimited 2% cashback on travel, overseas and online
- No annual fee credit card
- Not suitable for spenders with local budgets
- Doesn't fit specialised budgets (ie dining, shopping) and infrequent travellers
CIMB Visa Infinite Card is an excellent option for high-spending travellers who prefer cashback to miles & want to avoid an annual fee. Cardholders earn an unlimited 1% rebate on general spend, and 2% on travel, overseas, and foreign currency transactions after a S$2,000 minimum monthly spend. In other words, affluent consumers can avoid rewards caps while also earning a higher overseas rate than that offered by similar competitors (2% v. 1.5%). Even more, consumers enjoy perks–like travel insurance and lounge access–that are usually associated with expensive travel cards. CIMB Visa Infinite Card, by comparison, is free forever, making it an exceptional, maintenance-free option for unlimited cashback on travel. This makes it one of the best unlimited cashback credit cards in Singapore especially for those who would like to avoid an annual fee.
CIMB Visa Infinite Card Features and Benefits
What Makes CIMB Visa Infinite Card Stand Out
CIMB Visa Infinite Card is a great option for high-earning consumers 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 Infinite 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|
It's worth pointing out that those who earn enough to qualify for CIMB Visa Infinite Card may be willing to pay an annual fee to access a broader variety of 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 is a great match for high-earning travellers who enjoy travel 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 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.
|Bank Fees||Interest 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 Payments||Any 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 Payments||Payments 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 Gambling||Any gambling-related transactions|
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 v. CIMB World MasterCard
If you're a social high-spender looking to maximise rewards without paying an annual fee, CIMB World MasterCard is the perfect option for you. Cardholders earn an unlimited 1.5% cashback on general spend, boosted to 2% on dining, entertainment, recreation, automobile, petrol and duty-free spend. There is no minimum spend requirement, and the card does not have an annual fee, making it truly maintenance-free. Consumers who often travel, however, may get more value out of CIMB Visa Infinite Card.
CIMB Visa Infinite Card v. Maybank World MasterCard
If you're a frequent golfer and prefer earning miles to cashback, you may want to consider Maybank World MasterCard. Cardholders not only earn 4 miles per S$1 spend at select luxury and dining merchants (1 mile for general retail), they also can enjoy perks like 2 waived green fees/month at fairways worldwide. Other benefits include free lounge access (per S$1k transaction) and complimentary travel insurance. Overall, golfers looking to earn miles may prefer Maybank World MasterCard to CIMB Visa Infinite.
CIMB Visa Infinite Card v. Citi PremierMiles Visa Card
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 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
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.
CIMB Visa Infinite Card v. Standard Chartered Visa Infinite Credit Card
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.