Review: Maybank Visa Infinite Card

Here’s The MileLion’s review of the Maybank Visa Infinite, which once upon a time was probably the best-kept secret of the S$120K segment.

Cardholders received unlimited Priority Pass visits, two complimentary airport limo transfers or JetQuay access with a minimum spend of just S$3,000, free points conversions, and could even earn miles on charitable donations, insurance premiums and utility bills. All this and a first year annual fee waiver — what a steal!

Today, however, the Maybank Visa Infinite’s stock has fallen so far it’s probably best kept a secret, if you get what I mean. You still get a first year fee waiver, but both the airport lounge and limo benefits have been nerfed considerably. And while its foreign currency (FCY) earn rate has been buffed, the same is true for the more accessible Maybank Horizon Visa Signature and World Mastercard.

So unless you have significant insurance premiums to pay, it’s hard to recommend this card. 

Maybank Visa Infinite
🦁 MileLion Verdict
☐ Take It ☐ Take It Or Leave It ☑ Leave It
What do these ratings mean?
A first year fee waiver and miles for insurance premiums are nice, but there’s little else the Maybank Visa Infinite does that other cards can’t do better.
👍 The Good	👎 The Bad
First year fee waiver Still earns points on education, hospital bills and insurance premiums Up to 3.2 mpd on FCY spend Non-expiring points Relatively low minimum spend for airport limo rides	Only four airport lounge visits Maybank World Mastercard offers a superior alternative for FCY spend S$5 earning blocks No more free points conversions Limited transfer partners Cumbersome transfer process for non-KrisFlyer miles
💳 Full List of Credit Card Reviews

Overview: Maybank Visa Infinite

Let’s start this review by looking at the key features of the Maybank Visa Infinite.

Apply
Income Req.	S$150,000 p.a.	Points Validity	No expiry
Annual Fee	S$654 (FYF)	Min. Transfer	25,000 points (10,000 miles)*
Miles with Annual Fee	N/A	Transfer Partners	4
FCY Fee	3.25%	Transfer Fee	S$27.25
Local Earn	1.2 mpd	Points Pool?	Yes
FCY Earn	Up to 3.2 mpd	Lounge Access?	Yes
Special Earn	N/A	Airport Limo?	Yes
Cardholder Terms and Conditions
*10,000 miles for KrisFlyer; 5,000 miles for Cathay and MAS, 2,000 points for AirAsia Rewards

What makes things slightly confusing is that Maybank actually offers three variants of Visa Infinite:

• Maybank Visa Infinite
• Maybank Diamanté Visa Infinite
• Maybank Diamanté Metal Visa Infinite

This article focuses on the plain vanilla Maybank Visa Infinite. The invite-only Diamanté cards require a Maybank Private relationship (min. AUM S$1.5M), and are on a different level altogether.

	Diamante VI	Diamante Metal VI
Local Earn Rate	Same as regular Maybank VI	Same as regular Maybank VI
Overseas Earn Rate		3.2 mpd (no min. spend or cap)
Airline Earn Rate		4 mpd (cap. S$10K per month)
Points Conversion Fee	Waived	Waived
Airport Limo	6x per year	12x per year
Meet and Greet	6x per year	6x per year
Priority Pass	6x visits per year	Unlimited
ALL Accor+ Explorer Membership	No	Yes

How much must I earn to qualify for a Maybank Visa Infinite?

When the Maybank Visa Infinite first launched in 2012, it had a minimum income requirement of S$200,000 per year. That has since been cut to S$150,000, which is still 25% higher than the usual S$120,000 you’d expect for cards in this segment. It’s not clear how strictly Maybank enforces this requirement, however.

In case you were wondering whether it’d be possible to qualify with an income of S$30,000 p.a. provided you’re a Maybank Privilege Banking customer, the answer is no. Maybank Privilege Banking customers receive the Maybank Privilege Horizon Visa Signature Card instead.

How much is the Maybank Visa Infinite’s annual fee? 

It may surprise you to know that when the Maybank Visa Infinite first launched, it had an eye-watering annual fee of S$1,400. That’s now been reduced to S$654 and, unusually for its segment, is waived in the first year.

No miles are offered upon approval or renewing this card. The subsequent years’ annual fees will be automatically waived with a minimum spend of S$60,000 in a membership year.

All supplementary cards are free, though they don’t offer any substantive benefits either. 

What welcome offers are available?

At the time of writing, there is no welcome offer for the Maybank Visa Infinite. 

However, if you do not have a principal Maybank credit card yet, Maybank is currently offering a Samsonite FLUIO Spinner 68/25 EXP (worth S$530) for new customers who apply for one of the following cards:

A minimum spend of S$1,300 within the first two months of approval is required. 

New-to-bank customers are defined as those who:

• Do not currently hold a principal Maybank credit card or CreditAble account
• Have not cancelled a principal Maybank credit card or CreditAble account in the past nine months

This offer is valid for applications submitted by 30 November 2026, and the T&Cs can be found here.

How many miles do I earn?

SGD/FCY Spend

The Maybank Visa Infinite Card’s earn rates depend on your monthly spending.

The local earn rate is fixed at 1.2 mpd, and not very competitive compared to the rest of the S$120K segment. However, its trump card is the FCY earn rate, which is normally 2 mpd, but increased to 3.2 mpd for cardholders who spend at least S$4,000 in a calendar month. There is no cap on the maximum miles that can be earned.

💳 Earn Rates for S$120K Cards (Sorted by Sum of Local and FCY Earn Rates)
Card	Local	FCY
StanChart Visa Infinite Apply	1.4 mpd#	3 mpd#
Maybank Visa Infinite Apply	1.2 mpd	3.2 mpd@
UOB Visa Infinite Metal Card Apply	1.4 mpd	2.4 mpd
DBS Vantage Card Apply	1.4 mpd	2.2 mpd
OCBC VOYAGE Apply	1.3 mpd	2.2 mpd
Citi Prestige Card Apply	1.3 mpd^	2 mpd^
HSBC Visa Infinite Not accepting new applications	1 mpd	2 mpd
AMEX Platinum Reserve Apply	0.57 mpd	0.57 mpd
#With minimum S$2K spend per statement month. Otherwise 1 mpd @With minimum S$4K spend per calendar month. Otherwise 2 mpd ^Additional 0.02 to 0.12 mpd awarded based on tenure with bank

The upsized earn rates for FCY spend apply from the very first S$1 of spend, and not just the incremental spending above S$4,000. For example:

• A cardholder who spends S$3,900 in FCY would earn 7,800 miles (S$3,900 @ 2 mpd)
• A cardholder who spends S$4,000 in FCY would earn 12,800 miles (S$4,000 @ 3.2 mpd) 

This compares very favourably with the rest of the market, as the table below shows.

💳 Cards With Uncapped FCY Earn Rates (Options earning at least 2.4 mpd)
Card	FCY Earn Rate	FCY Fee	Cost Per Mile
DCS Imperium Card Apply	4 mpd	3.25%	0.79¢
StanChart Beyond Card Apply	4 mpd PP 3.5 mpd PB 3 mpd Regular	3.5%	0.85¢ PP 0.97¢ PB 1.13¢ Regular
Maybank World Mastercard Apply	3.2 mpd1	3.25%	0.98¢
Maybank Visa Infinite Apply	3.2 mpd2	3.25%	0.98¢
BOC Elite Miles Card Apply	2.8 mpd	3%	1.04¢
Maybank Horizon Visa Signature Apply	2.8 mpd3	3.25%	1.12¢
StanChart Visa Infinite Apply	3 mpd4	3.5%	1.13¢
HSBC Premier Mastercard Apply	2.76 mpd	3.25%	1.14¢
DBS Treasures Black Elite	2.4 mpd	3.25%	1.31¢
HSBC TravelOne Card Apply	2.4 mpd	3.25%	1.31¢
UOB PRVI Miles Card AMEX MC Visa	3 mpd (IDR, MYR, THB, VND) 2.4 mpd	3.25%	1.05¢ (IDR, MYR, THB, VND) 1.31¢
UOB Visa Infinite Metal Card Apply	2.4 mpd	3.25%	1.31¢
1. Min. spend S$4,000 per c. month, otherwise 2.8 mpd with min. spend S$800 per c. month 2. Min. spend S$4,000 per c. month, otherwise 2 mpd 3. Min. spend S$800 per c. month 4. Min. spend S$2,000 per s. month, otherwise 1 mpd

However, I should point out that the Maybank World Mastercard would be a better option for overseas spending.

Like the Maybank Visa Infinite, it offers an uncapped 3.2 mpd with a minimum monthly spend of S$4,000. However, it also offers an uncapped 2.8 mpd with a minimum spend of S$800. In other words, it’s more “forgiving” should you fall short of the S$4,000 minimum spend. Moreover, its S$261.60 annual fee is waived for the first year, and unlike the Maybank Visa Infinite, is easily waived in the second and subsequent years too. 

Alternatively, you can also earn 4 mpd on FCY spending with the Maybank XL Rewards Card, UOB Visa Signature, and other specialised spending cards. However, these earn rates will either be capped, or only apply to specific MCCs. Refer to the article below for more information.

2026 Edition: Best Cards for Overseas Spending

What is the FCY transaction fee?

All FCY transactions are subject to a 3.25% fee, which is on par with the rest of the market.

What counts towards the S$4,000 minimum spend?

The minimum spend includes all SGD and FCY spending, excluding transactions which do not earn TREATS Points (e.g. donations, utilities).

Principal and supplementary cardholder spending is pooled for the purposes of this calculation (e.g. if the sum of spending across both cards is S$4,000, then both principal and supplementary cardholders will earn 3.2 mpd on FCY spend). 

Transaction date or posting date?

Technically speaking, Maybank tracks minimum spend and bonus caps by posting date, not transaction date.

In practice, however, all transactions charged in a given month and posted by the 8th of the following month are considered to be part of the month in which they were charged.

For example, if you make a transaction of S$200 on the Maybank Visa Infinite on 29 June 2026 and it posts on 2 July 2026, that S$200 will count towards June 2026’s minimum spend and bonus cap.

In other words, you can comfortably spend up till the last calendar day of the month, and not have to worry about transactions “leaking” into the following month. I mean, it’s not impossible that a transaction takes more than eight days to post, but it’s very, very rare.

Transaction date vs posting date: Which cards use what?

When are TREATS Points credited?

For SGD spend, base TREATS Points (1.2 mpd) are credited when your transaction posts, which generally takes 1-3 working days.

For FCY spend, base TREATS Points (2 mpd) are credited when your transaction posts, which generally takes 1-3 working days. Bonus TREATS Points (1.2 mpd) are credited the following month, subject to meeting the minimum spend.

How are TREATS Points calculated?

Here’s how you can work out the TREATS Points earned on your Maybank Visa Infinite Card.

For SGD spend

For FCY spend

Spend <S$4,000 per calendar month

Spend ≥S$4,000 per calendar month

The minimum spend to earn points is S$5, whether in local or foreign currency.

These S$5 earning blocks further compound its already poor earn rates, causing the Maybank Visa Infinite to perform significantly worse than competitors, especially on smaller transactions.

	Maybank Visa Infinite 1.2 mpd	Citi Prestige 1.3 mpd
S$5	6 miles 1.20 mpd	6.4 miles ✅1.28 mpd
S$9.99	6 miles 0.60 mpd	11.6 miles ✅1.16 mpd
S$15	18 miles 1.20 mpd	19.6 miles ✅1.31 mpd
S$19.99	18 miles 0.90 mpd	24.8 miles ✅1.24 mpd
S$25	30 miles 1.20 mpd	32.4 miles ✅1.30 mpd
S$29.99	30 miles 1.00 mpd	37.6 miles ✅1.25 mpd

If you’re an Excel geek, here are the formulas you need to calculate points:

For SGD spend

For FCY spend

Spend <S$4,000 per calendar month

Spend ≥S$4,000 per calendar month

For the full list of formulas that banks use to calculate credit card points, refer to these articles:

• General Spending Cards
• Specialised Spending Cards

Maybank’s 5 million point cap

While this won’t be an issue for 99.9% of cardholders, it’s worth noting that Maybank limits cardholders to accumulating a maximum of 5,000,000 TREATS points (2,000,000 miles) at any time. This cap applies across all Maybank cards.

You would need to spend a lot — and I really mean a lot — to breach this cap, but it’s not outside the realm of possibility. Still, even if your spending was high enough to reach the limit, it’s just a simple matter of transferring some points out before spending more.

This clause can be found at point 2.8 of the general TREATS T&Cs.

What transactions aren’t eligible for TREATS Points?

A full list of transactions that do not earn points can be found in the general TREATS T&Cs at point 2.2.

I’ve highlighted a few noteworthy categories below:

• Betting and gambling transactions
• Brokerage and securities transactions
• Charitable donations
• Government services 
• Prepaid account top-ups, e.g. GrabPay and YouTrip
• Utility bills (from 1 December 2025)

The Maybank Visa Infinite will earn points on commonly-excluded categories such as hospitals and education, and even up to S$3,000 of insurance premiums per calendar month.

Is that reason enough to get this card? 

Well, put it this way. Where overseas hospital and education expenses are concerned, the Maybank World Mastercard can earn 2.8-3.2 mpd, with a much lower annual fee.

	Maybank Visa Infinite	Maybank World MC
Annual Fee	S$654 (FYF)	S$261.60 (FYF)
Hospitals	1.2 mpd 3.2 mpd	0.4 mpd 3.2 mpd
Education	1.2 mpd 3.2 mpd	0.4 mpd 3.2 mpd
Insurance Premiums	1.2 mpd 3.2 mpd	N/A N/A
SGD FCY

So I’d sooner take the Maybank World Mastercard, unless you’re spending big on:

• Insurance premiums, in SGD/FCY
• Hospitals, in SGD
• Education, in SGD

What about CardUp?

Enjoy a 2.3% fee on your first payment of up to S$5,000 on a Visa card, with the promo code MILELION

TREATS Points will be awarded for CardUp transactions at a rate of 1.2 mpd.

Fees for Visa cards range from 2.25% to 2.45%, depending on payment type. Given the 1.2 mpd earn rate, this is equivalent to buying miles at 1.83 to 1.99 cents each.

This is definitely on the high side, and anyway, the rule with CardUp is to use the highest-earning general spending card you can get. 

What do I need to know about TREATS Points?

Expiry

While TREATS Points normally expire after 12-15 months, Maybank Visa Infinite cardholders are automatically enrolled into the Rewards Infinite programme. This means their TREATS Points never expire.

How does the Maybank Rewards Infinite programme work?

This non-expiry benefit is also extended to TREATS Points earned on other Maybank cards.

Pooling

TREATS Points pool with other Maybank cards. If you have 20,000 TREATS Points on the Maybank Visa Infinite, and 5,000 TREATS Points on the Maybank Horizon Visa Signature, you can redeem 25,000 TREATS Points in a single conversion.

This also means that if you cancel your Maybank Visa Infinite Card, you won’t lose your accumulated TREATS Points unless it happens to be your very last TREATS-earning card.

Transfer partners

TREATS Points can be transferred to four airline partners at the following ratios.

Frequent Flyer Programme	Conversion Ratio (TREATS Points: Partner)
	25,000 : 10,000
	12,500 : 5,000
	12,500 : 5,000
	4,000 : 2,000

Transfer fee

Unfortunately, Maybank no longer waives the points conversion fee for the Maybank World Mastercard and Maybank Visa Infinite, ever since April 2025.

Cardholders will pay a fee of S$27.25 per conversion. 

Transfer blocks

The minimum transfer block depends on the programme. For KrisFlyer, it’s 10,000 miles, but for Asia Miles and Enrich, it’s 5,000 miles.

Transfer time

Conversions to KrisFlyer miles are generally completed within 1-2 working days.

Conversions to other programmes usually require 10 days, because they are manually processed (see below).

How to transfer

TREATS Points conversions to KrisFlyer miles can be made via the TREATS SG app.

Do note that the Maybank TREATS SG app will not show KrisFlyer miles redemption options until you enrol your KrisFlyer account. This can be done by going to Profile > My Account > Enrolment > KrisFlyer.

After completing the enrolment, you’ll need to log out and log in again, after which KrisFlyer miles will appear under the Travel section.

TREATS Points conversions to other programmes require filling up a PDF form and emailing it to Maybank (SG.rewardsform@maybank.com).

Other card perks

Four complimentary lounge visits

The Maybank Visa Infinite used to offer unlimited Priority Pass lounge visits. However, from 1 August 2023 the allowance was cut to just four.

Lounge visits are issued to principal cardholders only, and cannot be shared with guests. Other S$120K cards have been cutting back on lounge privileges in recent years, but the Maybank Visa Infinite remains rather uncompetitive in this aspect.

💳 Airport Lounge Benefits (S$120K Cards)
Card	Free Visits (Per Year)
	Main	Supp.
HSBC Visa Infinite Not accepting new applications	∞	∞ (up to 5x cards)
OCBC VOYAGE Apply	∞*	2 CY No Share^
Citi Prestige Card Apply	12 CY Share	N/A
UOB Visa Infinite Metal Card Apply	12 MY Share	N/A
DBS Vantage Card Apply	10 MY Share	N/A
StanChart Visa Infinite Apply	6 MY Share	N/A
Maybank Visa Infinite Apply	4 MY No Share	N/A
AMEX Platinum Reserve Apply	N/A	N/A
Legend
Whether visits are tracked by calendar year CY or membership year MY Whether lounge visits can or can’t be shared with guests Share No Share
*Restaurants not included ^While the T&Cs say that visits cannot be shared, cardholders report that sharing is possible

Complimentary airport limo

Principal Maybank Visa Infinite cardholders who spend at least S$3,000 in a calendar month can book one complimentary one-way airport limo transfer in the following month.

A maximum of two limo rides can be booked per calendar month (requiring S$6,000 spend), and there is an overall cap of eight transfers per calendar year.

Insurance premiums do not count towards the minimum spend, even though they’re otherwise eligible to earn TREATS Points.

Bookings must be made at least five days and up to two months before the transfer. For example:

• You spend S$6,000 in May 2026
• From 1 June 2026, you can book up to two limo rides
• Each transfer can take place anytime from five days to two months after the booking date

This is a relatively favourable benefit, as S$3,000 is a lower spending requirement than the Citi Prestige or OCBC VOYAGE.

💳 Airport Limo Benefits (S$120K Cards)
Card	Qualifying Spend	Cap
DBS Vantage Card Apply	No min. spend DBS Treasures only	4 per programme period DBS Treasures only
HSBC Visa Infinite Not accepting new applications	S$2K per month for 1 ride*	24 per year
Maybank Visa Infinite Apply	S$3K per month for 1 ride	8 per year
Citi Prestige Card Apply	S$12K per quarter for 2 rides	2 per quarter
OCBC VOYAGE Apply	S$12K per quarter for 2 rides	2 per quarter
AMEX Platinum Reserve Apply	N/A	N/A
StanChart Visa Infinite Apply	N/A	N/A
UOB Visa Infinite Metal Card Apply	N/A	N/A
*First 2 (Regular customer) or 4 (HSBC Premier) per year are free

Golf benefits

The Maybank Regional Golf programme offers principal Maybank Visa Infinite cardholders complimentary green fees at more than 100 participating golf clubs across 19 countries.

Cardholders must spend at least S$2,000 in the previous calendar month to enjoy this benefit, and can book a maximum of two flights per month per cardholder. In Singapore, the participating clubs are:

• Sembawang Country Club
• Warren Golf & Country Club (min. 3 golfers)
• Orchid Country Club (min. 3 golfers)
• 1 additional club (not named)

Golf perks offered by other credit cards normally require a paying guest, but no such requirement exists for Maybank Visa Infinite cardholders who book clubs in Singapore, Malaysia, Indonesia and the Philippines. 

The T&Cs of the Maybank Regional Golf programme can be found here.

For the avoidance of doubt, this is a separate perk from the generic Visa Infinite golf benefit, which has no minimum spend requirement.

Complimentary KLIA Express VIP Service

Maybank customers can now earn complimentary KLIA Express VIP Service by spending on their credit card from 1 August to 31 December 2026.

• Spending at least S$2,000 in a calendar month unlocks one limo ride and one KLIA Express ticket
• Spending at least S$3,000 in a calendar month unlocks one limo ride and two KLIA Express tickets

The limo can accommodate up to four passengers, so if you have additional travellers in your group, you can add on additional KLIA Express train tickets for MYR55 per adult and MYR25 per child — the same rate you’d pay on the public website.

Each cardholder can enjoy a maximum of four complimentary services during the entire promotion period.

For more on this promotion, refer to the post below.

Maybank cards offering complimentary KLIA Express VIP Service

Complimentary travel insurance

Maybank Visa Infinite cardholders receive complimentary travel insurance when they charge their full travel fares to their card. Unfortunately, coverage will not apply in situations where you redeem miles for an award ticket, and charge the taxes and fees to your Maybank Visa Infinite Card.

This features up to S$1,000,000 of coverage for accidental death or total permanent disablement, S$400 for luggage delays or missed connections, and S$1,000 for luggage loss.

However, there is no coverage for medical expenses or emergency medical evacuation. Because of this, I highly advise that you purchase comprehensive travel insurance elsewhere.

Visa Infinite benefits

As a Visa Infinite card, Maybank Visa Infinite cardholders enjoy the following additional perks, provided by Visa.

For more information on how these work, refer to the post below.

What are the benefits of a Visa Infinite card?

Terms & Conditions

• Maybank Visa Infinite Privileges T&Cs
• Maybank Visa Infinite General T&Cs
• TREATS Rewards Programme

Summary Review: Maybank Visa Infinite

Apply

The Maybank Visa Infinite still has a few things going for it: a first year fee waiver, a relatively low spend requirement for airport limo rides, and points on commonly-excluded transactions like insurance premiums, hospital bills and education.

But that’s not enough to justify a S$654 annual fee from the second year onwards, especially when the Maybank World Mastercard matches its 3.2 mpd FCY earn rate, with a more forgiving 2.8 mpd if you fall short of S$4,000 (not to mention it’s a fraction of the price). Add the S$5 earning blocks, the removal of free points conversions, and a paltry four lounge visits, and it’s hard to make a case for this card.

The only real exception is if you have hefty insurance premiums, or large hospital or education bills in SGD. Even then, insurance premiums alone won’t get you to the S$60,000 needed for a fee waiver.

Otherwise, there’s no harm in taking advantage of the first year fee waiver, but I wouldn’t plan on keeping this card beyond that.

So that’s my review of the Maybank Visa Infinite. What do you think?