All the Visa Infinite Credit Cards

In order to position their credit card products by different segments, Visa splits its credit card profiles mainly into Visa Infinite, Visa Signature, Visa Platinum (in some markets), and Visa Classic/Basic credit cards. Most major banks in Malaysia issue Visa Infinite as the highest tier Visa card in their credit card portfolios. It is generally assumed that Visa Infinite competes with Mastercard World Elite or Travel World Elite and American Express Reserve credit cards. When a bank issues a Visa Infinite credit card, the product automatically comes with some benefits, concierge services, and offers provided by Visa for its Infinite lineup.

Cardholders often are unaware of the benefits of signing up for an Infinite card because the focus is usually on the rewards offered by the banks. Most of the time, the Visa Infinite benefits may only apply to the United States market, but there are many features that Visa offers worldwide. In this article, we will look into the Visa Infinite credit cards available in Malaysia and differentiate the benefits from the issuers and Visa to see what the Infinite card can offer. You can use the DuitHub credit card explorer to find out which Visa Infinite cards are available in Malaysia. We will cover Alliance Bank Visa Infinite, UOB Visa Infinite, CIMB Visa Infinite, Maybank Visa Infinite, AmBank Visa Infinite, AmBank Enrich Visa Infinite, RHB Visa Infinite, Hong Leong Bank Visa Infinite, Affin Invikta Visa Infinite, Muamalat Visa Infinite, Maybank Manchester United Visa Infinite, Maybank Mercedes Benz Visa Infinite, and Public Bank Visa Infinite.

Global Transactions

The fundamental benefit that a credit card offers is allowing cardholders to use it as a payment card globally, not just locally. Similar to all other Visa credit cards, the Visa Infinite card is globally accepted. If you have any issues, such as losing your Visa card or facing fraud, you can contact Visa global customer assistance in addition to your bank. Visa will help you block the card and even send you emergency cash. Visa is also a member of the Global ATM Alliance, which means you can easily access ATM services anywhere in the world.

Concierge

Visa Infinite Concierge is a service by Visa that most cardholders may not be aware of. It comes into play when you are traveling to another city and are unsure where to eat and stay. Before online travel booking became easily accessible, concierge services provided by credit card networks were something people relied on, with a 24/7 contact number available at the back of the credit card. Working with travel partners, Visa Concierge services might provide access to offers on hotels, flights, dining, and travel activities.

Offers

The credit card offers we usually see on the issuing bank's website are promoted by the bank to increase card acquisition and spending. However, the bank might also cooperate with Visa to promote campaigns that Visa offers. For example, Cake Together is running a 20% off sitewide campaign. If you Google this campaign, you can find that Alliance Bank Visa Infinite, Public Bank Visa Infinite, and many other banks are running the same offer. This shows how issuing banks work with Visa Infinite to promote offers that benefit both customers and banks.

Access to Airport Lounges

All Visa Infinite cards come with airport lounge access, as part of the feature to attract affluent travelers to use the card when they are traveling. However, this feature does not come from Visa Infinite services but rather from the collaboration between the bank and lounge providers. They typically assign a certain number of accesses per annum. Usually, Visa Infinite cards don’t have any spending requirements before entering the premium lounges. The most popular lounge in Malaysia is Plaza Premium Lounge, available in almost every major airport in Malaysia. Most credit cards stick to one lounge brand, usually Plaza Premium Lounge. Alliance Bank Visa Infinite credit card provides 2x access to Plaza Premium Lounge and 1x access to Travel Club Lounge. UOB Visa Infinite offers 12x access via DragonPass, which allows access not just to Plaza Premium Lounge and Travel Club Lounge but also to Kepler Club, Sphere Lounge, Capsule Transit, and many others in Kuala Lumpur International Airport.

Airport Speed Pass

If fast-tracking through immigration is something you’re looking for and you’re not traveling in business class (which usually provides airport fast track), using Visa Airport Speed Pass is an option that often comes with the Visa Infinite product. The Visa Airport Speed Pass allows you to skip long queues at both departure and arrival airports. However, this service is not complimentary, and you may need to pay a fee to use it.

Golf Privileges

Golf is often associated with high earners, which is why Visa Infinite cards usually come with golf privileges, such as golf club access or memberships. For example, the Maybank Regional Golf Program provides complimentary access to more than 50 golf clubs in over 10 countries. Other cards, such as RHB and AmBank Visa Infinite, also cover green fees for a limited number of golf clubs.

Dining Privileges

Dining privileges are not limited to Visa Infinite customers, but Visa Infinite cardholders may get more unique offers compared to other cards. For example, Maybank Visa Infinite cardholders enjoy dining privileges with up to a 40% discount at hotels under the Marriott group. AmBank Visa Infinite users get 1-for-1 dining at Shangri-La Malaysia in 2024.

Bottom Line

We hope this Visa Infinite guide provides a basic understanding of the privileges you may receive from having a Visa Infinite card in your wallet. It is not easy to qualify for a Visa Infinite credit card, but there are some cards that require a lower annual income to qualify (e.g., Alliance Bank Visa Infinite, with an annual income requirement of RM60,000). Please refer to DuitHub credit card explorer to find the most suitable Visa Infinite that fit your spending target and DuitHub credit card reward estimators to calculate the rewards you may get from your Visa Infinite card.