CIMB Visa Infinite Review Singapore (2025): The Best No-Fee Travel Card?

CIMB has a range of travel credit cards, which are popular options for Singapore citizens and residents who travel a lot or who spend online with overseas ecommerce stores.

This guide provides an in-depth CIMB Visa Infinite review and compares it with other CIMB travel credit cards, including the CIMB World Mastercard and the CIMB AWSM card.

In our more detailed look at each card, we’ll also examine the minimum spending amount for cash back, who can apply, and other important fees like the foreign transaction fee you pay when you spend in a foreign currency. This can push up the costs of international purchases and eat away at the travel benefits you get with your card.

We'll also introduce the Wise card, a handy travel companion to make seamless card payments when you're overseas.

CIMB Visa Infinite card review

Best for: High cash back on travel and overseas spending

The CIMB Visa Infinite Card is one of the most popular travel credit cards from CIMB.

CIMB Visa Infinite cashback is set at 2% for international and travel spend, plus you may qualify for complimentary CIMB Visa Infinite travel insurance, and you also get 3x CIMB Visa Infinite Dragon Pass lounge access for your overseas trips.

At the time of writing, there’s a promotion for new CIMB customers which offers up to 10% cash back and a welcome gift worth 188 SGD. Offers like this change frequently, but it’s well worth checking out the deal available at the time you want to sign up for a new CIMB travel card.

How the Visa Infinite compares to other CIMB travel cards

To help you decide if the Visa Infinite is right for you, we’ve created a head-to-head comparison with other CIMB cards, followed by a detailed look at each alternative.

In our more detailed look at each card, we’ll also examine the minimum spending amount for cash back, who can apply, and other important fees like the foreign transaction fee you pay when you spend in a foreign currency. This can push up the costs of international purchases and eat away at the travel benefits you get with your card. More on that later.

*Details correct at time of research - 3rd September 2025

**Listed income for Singapore citizens and PR, and Malaysians in Singapore - other Singapore residents may apply with a fixed deposit instead.

CIMB World Mastercard

Best for: Low minimum income card with travel lifestyle privileges and cash back on dining, entertainment, transport, and luxury goods

The CIMB World Mastercard has no annual fee to pay and a relatively accessible minimum income. You can earn cash back up to 2% on categories including wine and dine, select online food delivery, movies, taxis, and luxury goods, if you spend 1,000 SGD in any given month. You get 1% cash back on these categories if you don’t make the minimum spend. This card can also be very attractive for golfers, with 50% off green fees at 42 regional golf courses.

CIMB AWSM Card

Best for: Students and NSFs looking for a low-fee card with cash back opportunities

The CIMB AWSM Card is a travel card aimed at students and NSFs, with a low-income requirement for younger applicants and no annual fee. You can still earn 1% cash back on spending, which includes online shopping and dining, making this a good way to get a little back as you spend on common everyday items.

What to look out for when choosing a credit card for travel

Using a credit card for travel is a secure and reliable way to pay. Plus, having a credit card as a backup in case your main debit card is out of action, or in case you need to use a card as a guarantee when you check into a hotel or hire a car, can be really handy.

However, when choosing a credit card for travel, it’s important to compare your options carefully.

Credit cards generally come with fees - and while some cards can also offer excellent travel benefits like CIMB Visa Infinite lounge access or travel insurance, you’ll still need to weigh up whether the benefits are worth the cost.

When looking at the selected CIMB travel cards, be aware of the following costs:

• Annual fee: $0 (None)
• Foreign transaction fee: 3% on every overseas transaction. This can push up your costs and eat away at any cash back you earn.
• Cash advance fee: If you use an ATM, the fee is the higher of 15 SGD or 8% of the withdrawal amount.

Review the costs you’ll be liable for before you sign up for a travel credit card - and consider whether getting a low-cost travel debit card from a provider like Wise may be a better solution for overseas spend. Keep your CIMB credit card for local use and travel bookings, and pop your low-cost debit card into your wallet when you get on a plane.

Summary: Which CIMB credit card is best for you?

Choosing a travel credit card can be a good way to earn cash back and lifestyle benefits if you go abroad often. Perks can often include things to make travel more comfortable - like airport lounge access - and extras like travel insurance or golf discounts.

• The CIMB Visa Infinite Card is a great all-rounder with excellent benefits, including lounge access and insurance, but a high minimum income of 120,000 SGD.
• The CIMB World Mastercard could be a good pick if you like to eat out and want cash back on dining and entertainment.
• The CIMB AWSM Card might be right for you if you're a student or NSF, with a low income requirement and cash back on everyday essentials.

Before you choose which CIMB credit card is best for you, you’ll need to weigh up the costs of using your card - and check you’re eligible to apply based on your income and citizenship.

While none of the cards we’ve profiled from CMB have an annual fee, they do all charge a foreign transaction fee and a high cash advance charge if you use your card at an ATM. This can mean that every time you spend abroad, your purchase costs 3% more, and ATM withdrawals can be as much as 8% extra.

This may mean that using your travel credit card for local use to unlock perks like lounge access is a smart plan - but using an international debit card when you’re away can help keep down your costs in the end.

Travelling soon? Bring the Wise card along to maximise your foreign currency transactions

The Wise card lets you spend in 40+ currencies at the mid-market rate including MYR, JPY, CNY, and USD so you know you'll be getting a great deal in over 150+ countries. Simply create a free Wise account, order a card and top-up SGD to get started.

Virtual cards are free and can be added to your Google or Apple Pay wallet, while a physical Wise card can be ordered for a low fee of 8.50 SGD. Having a physical Wise card allows you to make chip and pin payments, as well as 2 free ATM withdrawals to the value of 350 SGD each month, before low fees start.

While abroad, you can choose to spend with directly in SGD and let auto-conversion do the trick, or convert to your desired currency with your Wise account. Either way, you’ll get the exchange rate you see on Google, with low, transparent fees from 0.26%.

💳 Get your Wise card