CIMB Visa Infinite
Online Promo
Earn up to 2% unlimited cashback!
Earn up to 2% unlimited cashback!

CIMB Visa Infinite

A great travel credit card with unlimited 2% cashback on Travel, Overseas Spending and Online Spend in Foreign Currencies. You can also enjoy complimentary lounge access with no annual fee!
S$500
Minimum Amount
3% to 5%
Processing Fee
6 to 24 Months
Tenure

Apply now and receive a Samsonite Black Label Fanthom Spinner 69/25" EXP TSA Luggage (worth S$1,150) when you spend at least S$2,000 on eligible spends within the first 60 days. T&Cs apply.

Valid till 30 Nov 2026

Are you eligible?

  • The Promotion is open to applicants who do not hold any principal CIMB Credit Cards at the time of his/her application

  • An applicant who cancelled his/her CIMB Credit Card within the last 12 months before the month that the new Eligible Card is approved is not an Eligible Customer for the purposes of this Promotion

  • Activate your Eligible Card and spend a minimum of S$2,000 on Eligible Posted Transaction(s) within the first 60 days from Eligible Card approval date

T&Cs

Card Details

Good For

Affluent individuals seeking unlimited cashback on overseas and online spending in foreign currencies, perfect for frequent international transactions.
Those who enjoy complimentary travel insurance and airport lounge access, enhancing comfort and security during their journeys.
High-income earners aiming to maximize cashback rewards on travel and other retail expenditures exceeding the minimum spend requirement.

Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Why Trust MoneySmart 💡

MoneySmart helps Singaporeans compare verified financial products side-by-side, so you find the best credit card, loan, insurance and other personal finance products for your needs—before you apply, not after. As an MAS-licensed platform with over 15 years in the market and a 4.4/5 Google rating from more than 2,000 reviews, we surface exclusive sign-up bonuses and deals you won't find by going directly to a provider—with faster gift fulfilment and flexible redemption on top.

CIMB Visa Infinite Card: Cashback, Lounge Access and Fees

The CIMB Visa Infinite is a premium cashback credit card from CIMB Singapore for high earners who travel and spend in foreign currency. It pays unlimited 2% cashback on travel, overseas and foreign currency online spend once you hit $2,000 in a statement month, with no annual fee for life.

It keeps things simple compared with miles cards: no points to convert, plus complimentary airport lounge visits, travel insurance, and Visa Infinite Concierge. The trade-off is the high monthly minimum spend, so it suits consistent spenders more than light or irregular ones.

CIMB Visa Infinite Card: Key Facts

Feature

Details

Cashback earn rate

2% unlimited cashback on travel, overseas, and online foreign currency spend with $2,000 minimum spend

1% cashback on all other eligible spend

Cashback cap

None

Annual fee

$0 for life, including up to 4 supplementary cards

Minimum annual income

$120,000 (Singaporeans, PRs and Malaysians)

Airport lounges

3 free visits a year at over 1,000 lounges

Travel insurance

Up to S$1 million complimentary coverage

Foreign currency fee

3%

How CIMB Visa Infinite Card Cashback Works

The 2% cashback rate is made up of a base 1% plus an additional 1% on these categories:

  • Travel spend: Airlines, hotels and travel agencies
  • Overseas spend: Transactions processed outside Singapore
  • Online spend in foreign currencies

To get the additional 1%, you need at least $2,000 of eligible spend posted in the same statement month. If you fall short, you still earn the base 1%, but you lose the bonus 1% for that month. The minimum resets every statement month.

Cashback is an automatic statement rebate, not points or miles. The base 1% is credited within the same statement month, and the additional 1% in the following statement month. Meanwhile, transactions under $1 don’t earn the base cashback, and CIMB may forfeit cashback if your account is delinquent, suspended or cancelled.

Furthermore, these transactions don't earn cashback as they’re typically classified merchant category code (MCCs) exclusions:

  • Cash advances, balance transfers, and funds transfers
  • Gambling and quasi-cash transactions
  • Insurance premiums and government payments
  • Utility bills and AXS payments
  • Donations
  • Interest, late fees and other bank charges

CIMB Visa Infinite Card Travel Benefits

Complimentary airport lounge access

As the principal cardholder, you get 3 complimentary visits a year to over 1,000 airport lounges through the CIMB Airport Companion Programme, powered by DragonPass.

  • How to enter lounge: Show your DragonPass digital membership in the Airport Companion app with a same-day flight ticket. Your physical card isn't accepted in place of the app.
  • Visit allowance: Resets each year from your registration date, and unused visits don't carry forward
  • Extra visits, guests and supplementary cardholders: USD$32 per entry, bought through the app's Add Visits function

Complimentary travel insurance

When you charge your full travel fare to the card, you, your spouse and dependent children travelling with you are covered by Sompo for trips of up to 90 days.

As the cardholder, you're covered for:

  • Up to S$1 million accidental death and permanent disablement
  • Up to S$100,000 emergency medical evacuation and repatriation
  • Up to S$25,000 overseas medical expenses
  • Up to S$1,000 trip cancellation
  • Up to S$1,000 baggage loss
  • Up to S$600 baggage delay
  • Up to S$500 flight delay

Limits for your spouse and children differ, and exclusions apply. Read the complimentary travel insurance terms before you rely on the cover. For other options, see our guide to credit cards with complimentary travel insurance.

Concierge and regional deals

  • Visa Infinite Concierge: 24/7 help with travel planning, dinner reservations and event tickets, by phone (1800 823 2049), email or the Visa Concierge app
  • CIMB deals: Over 1,000 dining, retail and lifestyle deals in Singapore, Malaysia and Indonesia

CIMB Visa Infinite Card Fees and Charges

Fee

Amount

What to know

Annual fee

$0

Free for life for principal and up to 4 supplementary cards

Interest on purchases

27.8% p.a.

Rises to 29.9% p.a. if you miss the minimum payment

Minimum monthly repayment

3% or $50, whichever is higher

Interest applies to the unpaid balance

Late payment fee

$100

Charged on top of interest

Foreign currency transaction fee

3%

1% Visa fee plus 2% CIMB fee; SGD transactions processed overseas incur the 1% Visa fee

Cash advance fee

8% or $15, whichever is higher

Interest of 28% p.a. from the withdrawal date

Overlimit fee

$50 or 5% of the excess, whichever is higher

Charged each time you exceed your credit limit

💡 Note: The 3% foreign currency fee is higher than the 2% cashback on foreign currency spend, so the cashback offsets only part of the fee rather than turning those transactions into savings. Interest also outweighs cashback quickly if you carry a balance.

CIMB Visa Infinite vs Other CIMB Credit Cards

All three CIMB cards have no annual fee for life for principal and supplementary cards. Here's how they differ:

Card

Best for

Cashback

Minimum spend

Travel perks

Minimum income

CIMB Visa Infinite

Consistent spenders who put $2,000+ a month on travel, overseas or foreign-currency purchases and prefer simple cashback to miles

2% unlimited cashback on travel, overseas and online foreign currency spend

1% cashback on other spend

$2,000 per month (for 2% cashback)

3 free airport lounge visits a year

Up to S$1 million travel insurance

Visa Infinite Concierge

$120,000

CIMB World Mastercard

Local dining, food delivery and entertainment spending of $1,000+ a month

2% cashback on dining, food delivery, movies and digital entertainment, taxi and automobile, and luxury goods

1% cashback on other spend

$1,000 per month (for 2% cashback)

$500 per month (for 1% cashback)

Preferential rate access to over 1,300 airport lounges via Mastercard Travel Pass

50% off green fees at regional golf courses

$30,000

CIMB Visa Signature

Everyday spending on groceries, online shopping and beauty, up to the $100 monthly cashback cap

10% cashback on beauty and wellness, online shopping, groceries, pet care and cruises, capped at $20 per category and $100 a month

0.2% cashback on other spend

$800 per month (for 10% cashback)

Up to S$500,000 travel insurance coverage

Visa Signature Concierge

$30,000

Disclaimer: Card features, fees and benefits are based on CIMB's published terms and may change. Check the latest terms on CIMB's website before you apply.

Tips to Maximise CIMB Visa Infinite Card

  • Track your monthly spend: Check how close you are to $2,000, but don't overspend just to hit it.
  • Pay in full: Set up GIRO or reminders so you avoid interest and late fees.
  • Pay in local currency overseas: Decline Dynamic Currency Conversion (when a merchant or ATM offers to charge you in Singapore dollars at its own exchange rate).
  • Use mobile wallets: Add the card to Apple Pay, Google Pay or Samsung Pay.
  • Watch your app alerts: The CIMB Mobile App sends a push notification for every card transaction, and you can approve online card payments in the app with its Digital Token.
  • Act fast if your card goes missing: Call CIMB's 24-hour hotline at +65 6333 6666 to block it.
  • Skip cash advances: Always pay the fee upfront and interest from day one.

How to Apply for the CIMB Visa Infinite Card on MoneySmart

Step

What to do

1. Check you're eligible

To apply, you must:

  • Earn a minimum annual income of $120,000 (Singaporeans, PRs and Malaysians), or a fixed deposit collateral of at least $50,000
  • Be 21 to 70 years old

2. Prepare your documents

  • NRIC (Singaporeans and PRs), or passport and work permit (Malaysians)
  • Salaried: Latest computerised payslip or CPF contribution history for the past 12 months
  • Self-employed: Notice of Assessment for the latest 2 years and bank statements for the past 3 months

3. Apply via MoneySmart

Click Apply Now on this MoneySmart page and use Singpass MyInfo (for Singaporeans / PRs) to auto-fill your personal, employment and income details, which should be quick and seamless.

4. Wait for approval

CIMB reviews your application and notifies you of the outcome. You can also track it on CIMB’s Application Status page.

5. Activate your card

Once your card arrives, activate it in one of these ways:

  • SMS: Send “ACTV” followed by a space and the last 4 digits of your card number to 76888 from your registered mobile number (8am to 10pm daily)
  • CIMB Clicks: Log in and select Credit Cards, then Activate my Credit Card
  • Phone: Call CIMB’s 24-hour hotline at +65 6333 6666

Then add the card to Apple Pay, Google Pay or Samsung Pay. If you have supplementary cards, you’ll need to activate those too.

What our customers say about MoneySmart Credit Cards Application

4.4 rating of 2109 reviews
Google

This was the second time I signed up for an HSBC credit card through MoneySmart. The first time was about three years ago, and the second time was earlier this year. Both times, MoneySmart was punctual, responsive, and proactively kept me updated on my rewards status, without me having to chase them and with no ridiculous excuses given for delays. In fact, there were no delays. Sorry to say, but my experience with SingSaver last year was exactly the opposite, and I no longer trust SingSaver. Keep up the good work, MoneySmart!

JoikekaJoikeka
Google

Great platform to gain saving and special bonuses for credit cards and insurances! Thanks so much!!

Justin ChoeJustin Choe
Google

Had a good experience applying for my credit card through MoneySmart. The application process was straightforward, and the instructions on how to qualify for the promotional reward were clear. I also liked that I could track the reward status easily. Overall, it was a smooth experience, and I'd use MoneySmart again for future financial products.

Woon YeowkheongWoon Yeowkheong
Google

Applied for a credit card and requested to claim an Apple AirPod Pro 3 on Oct’ 26. Got the gift 8 months later. Long wait and almost forgotten but was a pleasant surprise when informed to collect.

Pam OngPam Ong
Google

I applied for a credit card through MoneySmart and successfully received the reward as promised. The application process was smooth overall, although it took about 5 months for the reward to be received. Customer service was responsive when I followed up, and I appreciate that the reward was eventually fulfilled. Thank you.

Poongundranar PiryasamyPoongundranar Piryasamy
Google

Very good platform to get rewards for new credit card sign ups. Done it many times over the past many years and I've been successful getting the cash reward each time. Reliable to me and I will continue to use this platform in the many years to come!

Amos Kuek Qi XiangAmos Kuek Qi Xiang
Google

Had applied a credit card and claimed the rewards with Moneysmart. The process was quite easy and the rewards was credited about a month after I had fulfilled the criteria. Updates on the process was prompt too. Kudos to the support team also. Thank you.

Johnny LJohnny L
Google

Deals here are amazing, may it be credit cards, travel insurance, or investment plans. Please continues to sync up with different partners to give us better deals.

Rahul PatelRahul Patel
Google

Good & competitive promotion for most of the credit cards

AaronZillAaronZill
Google

Great rewards for credit card application! Though wait for cashback

Lijun ZhengLijun Zheng

Want to Unlock More Cashback? 🪙

Spend a lot overseas or in foreign currency but yearn for higher rebate rates? Compare cashback cards (and more!) on MoneySmart to see how the CIMB Visa Infinite's unlimited 2% stacks up against cards with lower minimum spends.

Compare Cards

FAQs About the CIMB Visa Infinite Card

Does the CIMB Visa Infinite card come with airport lounge access?

Yes. As the principal cardholder, you get 3 complimentary visits a year to over 1,000 airport lounges through the CIMB Airport Companion Programme, powered by DragonPass. You enter using the Airport Companion app and a same-day flight ticket. Extra visits, guests and supplementary cardholders pay USD$32 per entry.

How to qualify for the CIMB Visa Infinite card?

You need a minimum annual income of $120,000 if you're a Singaporean, PR or Malaysian, and you must be 21 to 70 years old. If you earn less, CIMB accepts a fixed deposit collateral of at least $50,000 instead. Apply via MoneySmart online via Singpass MyInfo (for Singaporeans / PRs) or with your passport, work permit, income documents and proof of Singapore address (for Malaysians).

What is a Visa Infinite card?

Visa Infinite is a premium tier of a Visa credit card. For instance, the CIMB Visa Infinite comes with 24/7 Visa Infinite Concierge for travel, dining and event bookings. It also has a higher income requirement ($120,000) and higher travel insurance cover (up to S$1 million) than the CIMB Visa Signature.

Which is the best CIMB credit card?

It depends on where you spend most:

  • CIMB Visa Infinite: Overseas, travel and foreign-currency spending, with a $2,000 minimum monthly spend
  • CIMB World Mastercard: Dining, entertainment and taxis, with a $1,000 minimum monthly spend
  • CIMB Visa Signature: Groceries, online shopping and beauty, with an $800 minimum monthly spend and capped cashback

How does CIMB Visa Infinite cashback work?

You earn 1% cashback on eligible spend from the first dollar. Once you spend $2,000 in a statement month, you earn an additional 1% on travel, overseas and online foreign-currency spend. Cashback is uncapped and credited automatically to your statement, with the bonus 1% arriving the following month.

How do you cancel a CIMB credit card?

Fill in the Card Termination section of CIMB's Credit Card Account Maintenance Form and post it to CIMB in the Business Reply Envelope. Cut your card in half before you throw it away. Any cashback not yet credited when the card is terminated is forfeited, so wait for your last rebate to post first.

How do you pay a CIMB credit card bill?

You can pay in the OCTO by CIMB SG app or CIMB internet banking if you have a CIMB account, through another bank’s internet banking, at AXS, or by Auto-Debit or Interbank GIRO. Payments made through other banks or AXS before 5pm are credited in one to two business days, so pay at least two business days before your due date.