A S$662 fee that returns nothing, on a card its own cheaper sibling out-earns
| Min income | Base earn | Overseas earn | Annual fee |
|---|---|---|---|
| S$120,000same for foreigners | 1.0 mpdlocal, uncapped | 2.0 mpdforeign currency, uncapped | S$662.15not waivable |
| Fee returns | Transfer fee | Best ratio | KrisFlyer ratio |
| Nothingno renewal miles credit | Freeuntil further notice | 25,000 pointsper 10,000 miles | 30,000 pointsper 10,000 miles |
HSBC Visa Infinite is the card the rest of the HSBC range quietly overtook. It sits at the top of the lineup on price, at S$662.15 a year that no amount of spending removes, and near the bottom on earn: 1 mile per dollar locally, 2 overseas.
For context, HSBC TravelOne costs S$196.20 and pays 1.2 and 2.4, from the same bank, into the same points, with the same free transfers. The premium card is out-earned by its own cheaper sibling on every single category, and hands back nothing at renewal while TravelOne returns 30,000 points.
Before any of that, the thing that decides whether this review is academic for you: HSBC has paused applications. Their own page says they are "temporarily pausing applications for the HSBC Visa Infinite Credit Card", with no reopening date given. If you do not already hold one, there is currently nothing to apply for, and the rest of this is about whether you would want to when it returns.
Annual Fee
S$662.15, not waivable by spend or relationship tier, and what comes back is lounge access and transfers rather than miles.
| Card | First year | Second year on |
|---|---|---|
| Principal card | S$662.15 | S$662.15 |
| What the fee gives back | Nothing | Nothing |
This is where the card is usually judged, and judging it this way is a mistake worth naming. Citi Prestige charges a non-waivable fee and hands back 32,000 miles every renewal. DBS Vantage charges S$599.50 and returns 25,000. This one returns no miles at all, so on that comparison it loses outright. But the fee is buying something else: unlimited LoungeKey access across 1,100 lounges for you and your supplementary cardholders, limousine transfers, fast-track immigration, and travel insurance to S$2.75 million. Whether that beats 32,000 miles depends entirely on how often you are in an airport.
So the fee has to be justified purely by the lounge and travel benefits, with no miles cushioning it. That is a much harder argument than the other premium cards here have to make, and I have not seen anyone make it convincingly.
Welcome Bonus
HSBC Visa Infinite
Sign-up rewards change often, so confirm the current offer before you apply. New customers only, meaning no card from HSBC in about the last 12 months.
Sign-up offers move monthly and almost always carry a "new to bank" condition, meaning no HSBC card in the past 12 months.
How many miles do I earn?
1 mile per dollar locally and 2 overseas, which is the weakest pair of numbers on this site.
| Spend | This card | HSBC TravelOne, at a third of the fee |
|---|---|---|
| Local | 1.0 mpd | 1.2 mpd |
| Foreign currency | 2.0 mpd | 2.4 mpd |
| Annual fee | S$662.15, fixed | S$196.20, waivable |
There is no category bonus to rescue this. No 4 mpd on dining, no accelerated online rate, nothing. It earns one mile per dollar on the ordinary business of living, which is what a no-fee card does.
Check It Is Still Open
Unusually for this site, the most useful thing I can tell you about this card is how much of it is not confirmed. It carries more open questions in our research than any other card here, and several of them would change the decision.
| The claim | Bonus? | How solid is it |
|---|---|---|
| 🚪 New applications are paused | ~ Maybe | Reported in the July 2026 window, unconfirmed. Check before planning around this card |
| 💰 Premier customers pay S$497.12 | ~ Maybe | Secondary sources only, not on the official page |
| 🏦 A S$30,000 fixed deposit qualifies you | ~ Maybe | Cited by secondary sources, not shown on the current product page |
| 📈 The earn rates have no monthly cap | ~ Maybe | Not confirmed against official fine print |
| ⏳ Points expire in about 37 months | ~ Maybe | The general HSBC rule, not stated on this card’s page |
Five maybes on one card is not a research failure, it is a signal. Banks publish clearly when they want volume. When the product page goes quiet and the fine print stops being updated, the card is usually being wound down rather than sold, and I would not build a wallet around one in that state.
Confirm availability, the current fee for your relationship tier and the transfer partner list directly with HSBC.
Transfer Partners
The one genuinely good thing here, inherited from the rest of the HSBC range: transfers are free until further notice, with no S$27 charge and no saving up to a block before you can move.
| Programme | Points for 10,000 miles |
|---|---|
 Cathay Asia Miles | 25,000 |
 British Airways Avios | 25,000 |
 EVA Infinity MileageLands | 25,000 |
 Vietnam Airlines Lotusmiles | 25,000 |
 Air France KLM Flying Blue | 25,000 |
 Etihad Guest | 25,000 |
 Qantas Frequent Flyer | 25,000 |
 Singapore Airlines KrisFlyer | 30,000 |
 Thai Royal Orchid Plus | 30,000 |
 Qatar Privilege Club | 35,000 |
 Turkish Miles&Smiles | 35,000 |
 Air Canada Aeroplan | 35,000 |
 JAL Mileage Bank | 50,000 |
As on TravelOne, KrisFlyer costs 30,000 points per 10,000 miles where Asia Miles and the rest cost 25,000, so the default choice is the expensive one by a fifth. HSBC has not confirmed the full current partner list, which is another thing to check rather than assume.
How I actually use it. I do not, and I would struggle to write an honest scenario where I would. If you already hold one and value the lounge access, the free transfers make the points side painless, but I would not open one to get here.
Before any redemption, always check the route you want is actually available. The worst thing you can do is diversify into another mileage programme with no redemption in mind.
What should I pair it with?
The binding constraint is the income floor at S$120,000, with no lower bar for citizens. Everyone who qualifies for this card also qualifies for Citi Prestige and DBS Vantage, both of which pay you back at renewal. That comparison is the one that matters.
Almost anything, and honestly, consider replacing it rather than pairing it.
The gaps on this card are not category-shaped, they are structural. It earns less than free cards on everything, so what it needs is not a complement but a substitute.
| The gap | What it costs you | What closes it |
|---|---|---|
| Everything, at 1 mpd | The whole earn rate | HSBC TravelOne, same points and free transfers |
| No renewal credit | The full S$662.15 every year | Citi Prestige at 32,000 miles, DBS Vantage at 25,000 |
| Online, dining, transport | 1 mpd where others pay 4 | HSBC Revolution, Citi Rewards |
| Overseas spend | 2 mpd | UOB PRVI Miles at 2.4 uncapped |
Build your miles card stack
One card never covers everything. Put in what you actually spend and see which cards to hold together, and what to put on each.
Build my stack→The verdict, restated
Hard to recommend, and for two reasons rather than the one this review used to give. You cannot apply for it today, and when you can, the earn rate loses to a card from the same bank at a third of the price, into the same points, with the same free transfers. If you want HSBC points, TravelOne is the answer and it is not close. What this card actually sells is the lounge and the limousine, and unlimited access for supplementary cardholders is genuinely rare, so if two of you fly often enough the arithmetic is not absurd. Just do it on the benefits, not on the miles, because on the miles it does not win.
Sources
HSBC Visa Infinite product page and card T&Cs, checked 8 July 2026. This card carries an unusual number of unconfirmed points and they are set out in the body rather than hidden here: the reported pause on new applications, the reduced S$497.12 fee for Premier customers, the fixed-deposit qualification route, the absence of a monthly cap, and the points expiry are all either from secondary sources or absent from the official page. The full current transfer partner list is also unconfirmed, and the exact exclusion list is not published, so the standard HSBC exclusions are assumed. Verify all of it with HSBC directly before applying. This guide shares my own experience for education, it is not financial advice, and card terms change: always verify with the bank before applying.