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Features of the HSBC Visa Infinite Credit Card

  • Accelerated Miles Earning: The HSBC Visa Infinite Credit Card offers a robust reward points system tailored for high spenders, particularly those who prioritize travel. Cardholders earn up to 2 air miles per dollar spent on overseas transactions, which translates to 5X reward points. Locally, the card provides 1 mile (2.5X reward points) per dollar spent. This accelerated earning rate is particularly appealing for frequent travelers who can accumulate miles quickly for redemption across over 40 airline partners, including Singapore Airlines, British Airways, and Emirates. The points have a validity of three years, allowing flexibility for planning redemptions.
  • Flexible Redemption Options: The card’s reward points can be redeemed for a variety of options beyond air miles, including gift vouchers, hotel stays, cosmetics, home appliances, and charitable donations. HSBC’s rewards program is seamless, with conversions to air miles processed in weekly batches, ensuring cardholders can access their rewards relatively quickly. The minimum conversion blocks are as low as two miles, making it easier to utilize points without needing large accumulations.
  • Bonus Points for High Spenders: For cardholders who spend significantly, the card offers additional reward points after reaching specific spending thresholds. For instance, spending above SGD 50,000 in the first year can waive the annual fee and unlock bonus miles, such as a 35,000-mile welcome bonus in some regions. This feature incentivizes high usage while rewarding loyalty.
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    • Unlimited Airport Lounge Access: One of the standout features of the HSBC Visa Infinite Credit Card is its unlimited access to over 1,100 airport lounges worldwide through the LoungeKey program. Unlike other premium cards, no separate membership card is required; cardholders simply present their Visa Infinite card and a valid boarding pass, quoting “LoungeKey” at participating lounges. This benefit extends to both primary and up to five supplementary cardholders, making it ideal for families or groups traveling together. Guest access incurs a fee of USD 35 per guest per visit, which is competitive compared to other programs like Priority Pass.
    • Complimentary Limousine Transfers: The card offers up to 24 complimentary one-way limousine transfers to Changi Airport in Singapore per calendar year, a feature that sets it apart from many competitors. This benefit is particularly valuable for frequent travelers, providing a luxurious and hassle-free start to their journeys. Additionally, cardholders receive two complimentary expedited immigration clearances annually, with HSBC Premier customers enjoying four. Additional clearances can be earned by spending SGD 2,000 in a calendar month, enhancing the card’s appeal for business travelers.
    • Comprehensive Travel Insurance: When the full cost of an air ticket is charged to the HSBC Visa Infinite Credit Card, cardholders receive complimentary travel insurance coverage of up to SGD 2.75 million. This policy is notably comprehensive, covering over 20 benefits, including accidental death or total disablement (revised to SGD 1 million for public conveyance from April 1, 2025), flight and luggage delays, missed connections, rental car excess, and personal liability. The insurance also extends to trips paid partially with air miles, offering flexibility for frequent flyers.
    • 24/7 Visa Infinite Concierge: The card includes a dedicated 24/7 Visa Infinite Concierge service, accessible globally, to assist with travel planning, restaurant reservations, event bookings, and other lifestyle needs. This service is tailored to the cardholder’s preferences, offering personalized recommendations and support, whether arranging a last-minute hotel stay or securing tickets to exclusive events.
    • Dining and Retail Privileges: Cardholders gain access to exclusive dining offers through the ENTERTAINER with HSBC app, including 1-for-1 deals at select restaurants. The card also provides curated retail discounts and promotions, enhancing the shopping experience both locally and internationally. These offers are updated regularly, ensuring cardholders can maximize savings on dining and lifestyle purchases.
    • Online Purchase Protection: For online shoppers, the card offers coverage of up to USD 1,000 per year for loss or damage to purchases made with the card from global merchants. This feature provides peace of mind for e-commerce transactions, protecting against issues like non-delivery or defective goods.
    • Contactless Payments: The HSBC Visa Infinite Credit Card supports contactless payments, allowing quick and secure transactions at merchants equipped with contactless terminals. This feature is compatible with mobile payment platforms like Apple Pay and Google Pay, enabling cardholders to link their card for seamless payments via smartphones or smartwatches.
    • Zero Liability for Fraud: The card offers robust security with zero liability protection for unauthorized transactions, provided the loss is reported promptly. If the card is lost or stolen, HSBC provides emergency card replacement within three days worldwide, ensuring minimal disruption to the cardholder’s financial activities.
    • Sustainable Card Material: In line with modern sustainability trends, the card is made from 85.5% recycled plastic, appealing to environmentally conscious consumers. While not a metal card, which some competitors offer, this eco-friendly approach aligns with growing demand for sustainable financial products.
    • Balance Transfer and Cash Advances: Cardholders can transfer outstanding balances from other credit cards to the HSBC Visa Infinite Credit Card to benefit from lower interest rates and repay in equated monthly installments (EMIs). The card also allows cash advances, providing access to funds globally, though fees may apply. These features offer flexibility for managing finances, especially for high-net-worth individuals with complex financial needs.
    • Supplementary Cards: Up to five supplementary cards can be issued with permanent annual fee waivers, and eligible purchases on these cards contribute to the primary cardholder’s reward points. This feature is particularly useful for families, as supplementary cardholders also enjoy unlimited lounge access, enhancing the card’s value for group travel.
    • High Annual Fee: The card carries a significant annual fee (e.g., SGD 662.15 in Singapore, with the first year potentially waived for high spenders). This fee may be a deterrent for those who cannot fully utilize the card’s premium benefits. However, for frequent travelers and high spenders, the rewards and perks often offset this cost.
    • Limited Bonus Categories: Unlike some competitors, the HSBC Visa Infinite Credit Card does not offer extensive bonus categories for earning points, which may limit its earning potential for everyday spending. The focus on travel and overseas transactions means it’s less versatile for those prioritizing local or non-travel-related purchases.
    • Guest Fees for Lounge Access: While lounge access is unlimited for cardholders, the USD 35 guest fee can add up for those frequently traveling with non-cardholder companions. This limitation may reduce its appeal for those who travel with larger groups.
Premier Card Benefits

Benefits of the HSBC Visa Infinite Credit Card

  • Seamless Airport Experiences:
    • Unlimited Lounge Access: Complimentary access to over 1,100 airport lounges globally via LoungeKey.
    • Supplementary Cardholder Privileges: Includes up to five supplementary cardholders who can enjoy lounge access independently.
    • Travel Savings: Frequent flyers can save hundreds annually on lounge visits with included amenities such as food, drinks, Wi-Fi, and workspaces.
  • Complimentary Limousine Transfers:
    • Changi Airport Rides: Up to 24 complimentary one-way limousine transfers to Changi Airport each year for a luxurious, stress-free travel experience.
    • Robust Travel Insurance: Charging the full cost of an air ticket to the card unlocks comprehensive travel insurance coverage of up to SGD 2.75 million.
    • Exclusive Dining Privileges: 1-for-1 dining deals via the ENTERTAINER with HSBC app and curated dining recommendations through Visa Digital Concierge.
    • Personalized Concierge Services: 24/7 Visa Infinite Concierge assists with travel, events, and lifestyle requests tailored to the cardholder.
    • Retail and Online Shopping Perks: Enjoy curated discounts locally and abroad, plus online purchase protection up to USD 1,000 annually for issues like non-delivery or defective products.
    • Financial and Reward Benefits:
    • High Reward Earning Potential: Earn up to 2 air miles per dollar overseas and 1 mile locally (equivalent to 5X and 2.5X reward points). Points can be redeemed for air miles with 40+ airlines, gift vouchers, or merchandise.
    • Welcome Bonus and Fee Waivers: Up to 35,000 miles as a welcome bonus for spending SGD 50,000 in the first year. First-year fee waiver for high spenders offsets the SGD 662.15 annual fee.
    • Supplementary Card Advantages: Issue up to 5 supplementary cards with permanent fee waivers. Their spending contributes to the primary cardholder’s rewards, and they also receive unlimited lounge access.
    • Security and Convenience Benefits:
    • Zero Liability Protection: Covers unauthorized transactions if reported promptly.
    • Emergency Card Replacement: Card can be replaced globally within 3 days.
    • Contactless & Mobile Payments: Compatible with Apple Pay, Google Pay, and Visa payWave for secure, fast payments.
    • Sustainability and Exclusivity:
    • Eco-Friendly Card Design: Made with 85.5% recycled plastic, aligning with global green trends.
    • Prestige and Exclusivity: Designed for affluent users seeking recognition and premium services, backed by high-income criteria.
    • Potential Drawbacks: High annual fee (SGD 662.15), which may not suit all users. Everyday rewards are limited; card favors travel-related spending. Guest lounge access fees (USD 35) can add up for group travelers.
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How to Apply for the HSBC Visa Infinite Credit Card

  • Choose Your Preferred Application Method:
    • Apply online via the HSBC website or mobile app (ideal for Singapore, Malaysia, and India).
    • Visit an HSBC branch in-person to complete the physical application form.
    • Alternatively, request a call-back from HSBC customer support for guided assistance.
  • Online Application Process:
    • Go to the HSBC credit cards section on the website or open the HSBC mobile app and select "Visa Infinite Credit Card."
    • Click “Apply Now” and fill in the application form with accurate personal, employment, and income details.
    • Upload clear, digital copies of the required documents (ID, income proof, address proof, etc.).
    • For Indian applicants, schedule and complete the mandatory Video KYC (VKYC) with a valid ID and internet access.
  • Offline Application Process:
    • Visit your nearest HSBC branch with original documents for ID, income, and address verification.
    • A Relationship Manager will help verify eligibility and assist in filling out the form.
    • Foreigners must bring a copy of their employment pass or visa along with financial documents.
  • Call-Back Request Option:
    • Submit a call-back request via the HSBC website or hotline to receive guidance from a credit card specialist.
    • The representative will verify your basic eligibility and guide you through document submission or branch visits.
  • Submit and Track Your Application:
    • After submission, you’ll receive a confirmation and tracking number via email or SMS.
    • Track your application through the HSBC website, mobile app, or by calling customer service.
    • Approval may take up to two weeks, and the card is typically delivered within 7 working days thereafter.
  • Post-Approval Steps:
    • Activate the card using the activation hotline or via the HSBC Mobile Banking app.
    • Set up your online banking account to manage transactions, view statements, and redeem rewards.
    • Link the card to Apple Pay or other digital wallets for seamless usage.
  • Tips for a Smooth Application:
    • Double-check that all documents are current, legible, and match the form entries.
    • Maintain a clean credit report with minimal outstanding debt before applying.
    • Premier and Advance account holders may receive priority processing and fee benefits.
  • Region-Specific Highlights:
    • Singapore: Applications via the HSBC app can be completed in under 5 minutes with instant online banking registration.
    • India: Mandatory Video KYC is required, and applicants may receive e-gift vouchers for online applications.

Eligibility Criteria for the HSBC Visa Infinite Credit Card

  • Introduction to Eligibility Criteria: The HSBC Visa Infinite Credit Card is a premium product targeting high-net-worth individuals, and its eligibility criteria reflect this exclusivity. This section provides a detailed exploration of the requirements, including income, residency, credit history, and other factors, ensuring applicants understand what’s needed to qualify.
  • Minimum Annual Income: The card requires a substantial annual income — SGD 120,000 for Singaporeans/PRs, SGD 40,000 for foreigners (with SGD 30,000 fixed deposit collateral), and INR 4,00,000 in India. This high threshold ensures the card is offered to affluent individuals capable of leveraging its premium benefits.
  • Income Verification: Applicants must provide proof of income, such as recent payslips, eCPF statements (in Singapore), or tax documents like Notice of Assessment. Self-employed individuals must submit two years’ tax returns or profit/loss statements.
  • Age Requirements: The primary cardholder must be at least 21 years old. Supplementary cardholders must be 18 or older, allowing younger family members to enjoy card perks like lounge access.
  • Residency and Location: In India, the card is available in major cities like Mumbai, Delhi, Bangalore, Chennai, Hyderabad, and others. Applicants must provide valid proof of residence. In Singapore, applicants must be citizens, PRs, or foreigners with an employment pass.
  • Nationality and Documentation: Required documents include NRIC (Singapore), passport and EP (for foreigners), or PAN card/Form 60 in India, along with identity and address proofs to meet regulatory norms.
  • Credit Score and Financial History: A strong credit score (700 or higher) is essential. HSBC evaluates credit reports for repayment history, utilization, and any negative remarks like defaults or “settled” accounts.
  • Impact of Existing Credit Cards: A high credit utilization ratio or excessive open credit cards may reduce approval chances. HSBC assesses the overall debt-to-income (DTI) ratio before approving the card.
  • Employment and Job Stability: Salaried applicants should have at least one year of employment with their current organization. Self-employed individuals must show two years of consistent income and may need to provide business documentation.
  • Banking Relationship with HSBC: Existing HSBC Premier or Advance customers may enjoy faster processing and preferential terms. Maintaining the required minimum balance (e.g., SGD 200,000 for Premier in Singapore) improves eligibility.
  • Non-Customer Considerations: Non-HSBC customers can apply but may go through more extensive verification. Opening a savings/current account can strengthen their case.
  • Debt-to-Income Ratio (DTI): A low DTI improves chances of approval. Applicants are advised to clear existing debts before applying and maintain a healthy balance between income and liabilities.
  • Application History: Avoid multiple credit applications or recent rejections. Wait at least six months before reapplying to protect your credit score and improve approval odds.
  • Regional Variations: Eligibility differs by region. Singapore applicants may use collateral, while India applicants need to complete Video KYC and meet a ₹4,00,000 income threshold. Malaysia requires RM 72,000 annual income.
  • Tips to Improve Eligibility: Boost your credit score by paying off debts, keep credit utilization under 30%, and maintain job consistency. Establishing an HSBC relationship through a savings or Premier account is highly recommended.
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Documents Required for the HSBC Visa Infinite Credit Card

  • Overview:
    • Applicants must provide identity, income, and address proofs.
    • Requirements vary by applicant type (salaried, self-employed, foreigner) and region (India, Singapore, Malaysia).
  • Identification Documents:
    • Primary Applicants:
      • Singaporeans/PRs: NRIC (front and back)
      • India: PAN Card (mandatory), Aadhaar Card
      • Foreigners: Valid Passport (6+ months validity) and Employment Pass (Singapore)
    • Supplementary Cardholders:
      • NRIC, Passport, or Government-issued ID
      • Minimum age: 18 years
      • Must match primary cardholder’s application details
  • Proof of Income:
    • Salaried Individuals:
      • Latest 3 months’ payslips (with employer name/logo)
      • eCPF Statement (Singapore)
      • Notice of Assessment (Singapore or India)
    • Self-Employed Individuals:
      • 2 years’ ITRs or Notices of Assessment
      • Certified Profit & Loss Statements
      • 3 months' Bank Statements showing income
    • Fixed Deposit Option (Singapore):
      • Proof of minimum SGD 30,000 deposit with HSBC
      • Signed agreement to set credit limit against deposit
  • Proof of Residence:
    • Recent Utility Bill (electricity, gas, or water – within 3 months)
    • Bank Statement with residential address
    • Aadhaar Card (India)
    • Rental Agreement (stamped & signed)
    • India: Must confirm residence in eligible cities like Mumbai, Delhi, etc.
    • Singapore: Foreigners must submit employment pass + address proof
  • Additional Documents:
    • Copy of existing credit cards (front side)
    • Latest credit card statement (if applicable)
    • Employment Pass (foreigners in Singapore)
  • Submission Guidelines:
    • Digital:
      • PDF or JPEG format (max 5MB per file)
      • Clear, legible, and not password-protected
      • Upload via HSBC website or mobile app
    • Offline:
      • Bring original documents + photocopies
      • Ensure all copies are clear and organized
  • Verification Process:
    • HSBC validates identity, income, and residence
    • Discrepancies may lead to rejection
    • Processing timeline: 7–14 business days
  • Regional Variations:
    • Singapore: NRIC/Passport, eCPF, NOA, residence proof
    • India: PAN, Aadhaar, utility bill, payslips or ITR, video KYC
    • Malaysia: MyKad, EPF or bank statements, tax returns
  • Tips for Smooth Application:
    • Use updated documents (within last 3 months)
    • Ensure consistency across documents
    • Name digital files clearly (e.g., Payslip_Jan2025.pdf)
    • Keep backup copies of all submissions
  • Common Issues & Solutions:
    • Incomplete documents cause delays – use a checklist
    • Blurry or low-res scans may be rejected – use high-res scanner
    • Respond promptly to HSBC's additional document requests

Factors Affecting HSBC Visa Infinite Credit Card Approval

  • Income and Financial Stability:
    • Annual Income Threshold: Minimum of SGD 120,000 in Singapore or INR 4,00,000 in India. Higher income increases approval odds.
    • Debt-to-Income Ratio (DTI): Keep below 40%. Paying off loans or credit card balances can lower DTI and improve eligibility.
  • Credit History and Score:
    • Credit Score of 700+ is preferred.
    • Missed payments, “settled” or “charge-off” remarks can lead to rejection.
    • Maintain credit utilization below 30%, ideally under 20%.
  • Number of Credit Cards:
    • High balances across multiple cards hurt eligibility.
    • Consolidating debt or closing unused cards can help.
  • Employment and Job Stability:
    • Salaried individuals with 1+ year at current job are preferred.
    • Self-employed applicants must provide 2 years of tax returns and may benefit from having an HSBC account.
  • Employer Reputation: Working for reputed or multinational companies positively affects approval.
  • Residency and Location:
    • India: Residency in major cities like Mumbai, Delhi, Bangalore is mandatory.
    • Singapore: Citizens, PRs, and foreigners with valid employment passes are eligible.
    • Malaysia: RM 72,000 income required, with focus on employment stability.
  • Banking Relationship with HSBC:
    • Premier/Advance account holders benefit from faster processing and perks.
    • New customers may improve chances by opening an HSBC account first.
  • Application and Credit Behavior:
    • Limit recent credit applications to avoid credit score drops.
    • Wait at least 6 months after a rejection before reapplying.
    • Maintain a clean payment history for at least 12 months before applying.
  • Strategies to Improve Eligibility:
    • Boost credit score by reducing debt and paying bills on time.
    • Maintain job stability (1 year+ with current employer).
    • Open or upgrade to an HSBC Premier account to demonstrate financial trust.
  • Regional Considerations:
    • Singapore: SGD 120,000 income or SGD 30,000 fixed deposit collateral. Premier clients face fewer hurdles.
    • India: Income threshold of INR 4,00,000. Limited to residents of major cities. Self-employed must comply with Video KYC.
    • Malaysia: Emphasis on income documentation for self-employed and meeting the RM 72,000 income requirement.
  • Existing Relationship with Other Banks:
    • Strong repayment history with other premium credit cards improves credibility.
    • Existing cards with high credit limits managed responsibly reflect good financial discipline.
  • Spending Patterns:
    • Consistent, moderate-to-high spending with on-time repayments signals stability.
    • Spikes in cash withdrawals or minimum payments-only behavior may raise red flags.
  • Utility and EMI Payment Track Record:
    • Timely payments of utilities, EMIs, and telecom bills positively affect your credit profile.
    • Missed or bounced utility payments may indirectly affect score and approval odds.
  • Age and Life Stage:
    • Applicants between 25-55 years are often seen as financially active and stable.
    • Very young (under 21) or retired applicants may need stronger documentation or co-applicants.
  • Loan History and Mix of Credit:
    • Diverse credit history (secured and unsecured loans) is favorable if managed well.
    • Too many personal loans or unsecured borrowings may raise risk concerns.
  • Credit Bureau Enquiries:
    • Multiple recent enquiries signal credit hunger and may reduce approval chances.
    • Space out applications to maintain a healthy credit profile.

Frequently Asked Questions (FAQs) – HSBC Visa Infinite Credit Card

1. What is the HSBC Visa Infinite Credit Card?
The HSBC Visa Infinite Credit Card is a premium credit card that offers luxury lifestyle privileges, exclusive travel benefits, and reward points. It is tailored for high-net-worth individuals who value personalized banking and global experiences.
2. Who is eligible to apply for the HSBC Visa Infinite Credit Card?
Applicants must typically meet a high annual income threshold and have a strong credit profile. Eligibility requirements may vary by country, and HSBC Premier or Priority Banking customers are often prioritized.
3. What are the key benefits of the HSBC Visa Infinite Credit Card?
Benefits include complimentary airport lounge access, 24/7 concierge services, travel insurance, hotel and dining discounts, reward points on purchases, and invitations to exclusive events.
4. Is there an annual fee for the HSBC Visa Infinite Credit Card?
Yes, there is typically an annual fee ranging from USD $300–$500 or equivalent in local currency. HSBC may offer fee waivers based on spending levels or customer relationships.
5. What kind of airport lounge access is included?
Cardholders enjoy unlimited complimentary access to over 1,000 airport lounges worldwide through Priority Pass or similar programs. Some cards allow guest access as well.
6. Does the card offer any travel insurance?
Yes, comprehensive travel insurance is included, covering medical emergencies, trip cancellations, delayed flights, lost baggage, and more, provided travel is booked using the card.
7. What rewards or cashback can I earn with this card?
You earn reward points on eligible spending, which can be redeemed for air miles, shopping vouchers, gifts, or cashback. Some variants may offer accelerated rewards on travel and lifestyle categories.
8. Are there any foreign transaction fees?
Some HSBC Visa Infinite cards charge a foreign transaction fee (typically 2–3%) on overseas spending, while others may waive it. Please refer to your card’s specific terms and conditions.
9. What is the interest rate on this credit card?
Interest rates vary by region and customer profile. Typically, interest is charged on outstanding balances not paid in full by the due date. Please consult your card agreement for exact rates.
10. Does this card offer concierge services?
Yes, 24/7 concierge services are available to assist with travel bookings, dining reservations, event access, gift arrangements, and more—providing premium lifestyle management.
11. Can I add supplementary cardholders?
Yes, you can request supplementary cards for family members. These cards share the primary card’s credit limit and offer similar privileges. Fees may apply depending on the country of issue.
12. Are there any special hotel or travel privileges?
Yes, cardholders enjoy benefits such as complimentary room upgrades, free breakfast, late check-outs, and discounts at select luxury hotels through partnerships like Visa Luxury Hotel Collection.
13. How can I manage my HSBC Visa Infinite Credit Card account?
You can manage your account using HSBC’s mobile app, online banking platform, or by contacting customer support. Services include reward redemption, spending tracking, alerts, and bill payments.
14. What kind of customer support is available for cardholders?
HSBC Visa Infinite cardholders receive premium support, including dedicated relationship managers or access to a priority helpline available 24/7 for local and international assistance.
15. How do I apply for the HSBC Visa Infinite Credit Card?
You can apply online through the HSBC website, visit a nearby branch, or contact your relationship manager if you are an existing HSBC customer. Required documents include proof of income, identity, and address.