✈️ CIMB Bank Visa Infinite: The Ultimate Travel Cashback Card with No Annual Fee

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CIMB Bank Visa Infinite: The Ultimate Travel Cashback Card with No Annual Fee

The CIMB Visa Infinite Credit Card is a premier choice for high-net-worth individuals and frequent travellers in Singapore, offering exceptional travel privileges, high unlimited cashback, and the highly sought-after benefit of no annual fee for life.

This card is specifically tailored for those who frequently spend on travel, make overseas purchases, and shop online in foreign currencies, making every journey and international transaction more rewarding.

Key Features and Benefits for Travellers

The CIMB Visa Infinite is designed to elevate your travel experience with a suite of premium perks:

Unlimited 2% Cashback on Travel & Overseas Spend: Enjoy an uncapped 2% cashback on:
- Travel-related spending
- Overseas spending
- Online spending in foreign currencies
- Note: This rate requires a minimum spend of S$2,000 in the same statement month. Otherwise, a base rate of 1% applies.
Unlimited 1% Cashback on All Other Retail Spend: Earn an uncapped 1% cashback on all local retail purchases, from dining to groceries, with no minimum spend required to qualify for this base rate.
No Annual Fees for Life: A standout feature of this premium card is the lifetime fee waiver for both the Principal card and up to four Supplementary cards, offering immense long-term savings.
Complimentary Airport Lounge Access: Principal Cardmembers receive 3 complimentary global lounge accesses annually to over 1,000 airport lounges via the CIMB Airport Companion Programme (DragonPass).
Complimentary Travel Insurance: Get peace of mind with complimentary travel insurance coverage of up to S$1,000,000 for you and your family when you charge your full travel fares to the card.
Visa Infinite Concierge Service: Enjoy 24/7 personalised assistance for everything from travel planning and dinner reservations to event tickets.
Exclusive Travel Discounts: Benefit from up to 25% discount at selected airport dining outlets, up to 5% off Airport Limousine transfers, and up to 5% off Meet & Greet services.

💳 Eligibility and Application Requirements

As a premium card offering, the CIMB Visa Infinite has specific criteria for applicants in Singapore:

Requirement	Details
Minimum Annual Income	S$120,000
Age Requirement	21 - 70 years old
Citizenship	Singaporean/Permanent Resident (or Malaysians working in Singapore)
Alternative Requirement	Fixed Deposit collateral of at least S$50,000 can be submitted if the income requirement is not met.

Fees and Charges at a Glance

A transparent look at the key costs associated with the card:

Fee/Rate	Charge
Annual Fee (Principal & Supplementary)	S$0 (Waived for life)
Foreign Currency Transaction Fee	3%
Interest Rate (Annual)	27.8% p.a.
Late Payment Fee	S$100

Who Should Get the CIMB Visa Infinite Card?

The CIMB Visa Infinite is the best credit card for:

High-Earning Frequent Flyers: If your annual income is S$120,000 or more and you travel regularly.
Overseas Spenders: Individuals whose spending is heavily weighted towards foreign currency transactions (travel, online international shopping).
Value Seekers: Those who want premium travel privileges like airport lounge access and travel insurance without paying a high annual fee.
Cashback Maximisers: The card's generous unlimited cashback structure in its key categories rewards high spenders without imposing a cashback cap.

The combination of unlimited 2% cashback on travel and overseas spend, complimentary lounge access, and a zero annual fee for life makes the CIMB Visa Infinite a formidable card in the premium travel segment.

Current Welcome Offers or Promotions for the CIMB Visa Infinite Card

As of December 2025, CIMB is offering a competitive sign-up promotion for new cardholders, which can be further enhanced by applying through third-party financial comparison sites.

Main Sign-Up Offer: Up to S$188 Cashback

The standard welcome gift for the CIMB Visa Infinite Card is a tiered cashback reward based on your initial spending.

Reward	Requirement	Timeline
S$88 Cashback	Spend at least S$108	Within 30 days of approval
Additional S$100	Spend at least S$988	Within 60 days of approval
Total: S$188

Eligibility: You must be a new-to-CIMB credit cardholder (you do not currently hold any CIMB credit card and have not cancelled one in the last 12 months).
Validity: This offer is valid for applications submitted by 31 December 2025.

Pro Tip: Always check the specific "Rewards Redemption" email from these sites after applying, as you must usually fill out a separate claim form to receive the third-party gift.

Ongoing Seasonal Promotions

In addition to the welcome gift, CIMB often runs limited-time campaigns for existing and new members:

CIMB Overseas Spend Campaign 2025: Samsonite Luggage: Earn a Samsonite Gritt Expandable Spinner (worth S600) by spending at least∗∗S3,000* in foreign currency.
- eCapitaVouchers: Earn a S$50 voucher for S$1,000 in foreign spend.
- Requires SMS registration: GET <space> Last 4 digits of NRIC to 75558.
CIMB Bundle Promotion: If you also open a CIMB FastSaver Account, you can unlock higher interest rates (up to 2.50% p.a.) on your savings by meeting minimum monthly spends on your card.