Maybank Visa Infinite Card Features Points Cap and Rewards Terms
Maybank limits cardholders to accumulating a maximum of 5,000,000 TREATS points at any time, a cap that applies across all Maybank cards, The MileLion reported.
While this maximum limit affects fewer than one percent of users, the general TREATS terms and conditions outline exclusions that prevent points accumulation on betting, gambling, brokerage, securities transactions, charitable donations, government services, and prepaid account top-ups like GrabPay and YouTrip, alongside utility bills added to the exclusion list starting on December 1, 2025.
Cardholders charging expenses to the Maybank Visa Infinite continue earning points on traditionally excluded categories including hospitals, education, and up to S$3,000 of insurance premiums per calendar month.
The card carries an annual fee of S$654 with a first-year fee waiver. By comparison, the Maybank World Mastercard charges an annual fee of S$261.60 with a first-year fee waiver while offering 2.8 to 3.2 miles per dollar on foreign currency transactions and hospital or education expenses.
| Expense Category | Maybank Visa Infinite Earn Rate | Maybank World Mastercard Earn Rate |
|---|---|---|
| Hospitals (SGD/FCY) | 1.2 mpd | 3.2 mpd |
| Education (SGD/FCY) | 1.2 mpd | 3.2 mpd |
| Insurance Premiums | 1.2 mpd | N/A (SGD), 3.2 mpd (FCY) |
Point transfers to airline partners incur a fee of S$27.25 per conversion, following Maybank’s removal of fee waivers for the World Mastercard and Visa Infinite in April 2025. TREATS points normally expire after 12 to 15 months, but Visa Infinite holders are automatically enrolled in the Rewards Infinite programme, which removes expiration dates entirely for accumulated points.
Lounge access terms underwent reductions when the bank cut complimentary Priority Pass visits from unlimited down to four per year on August 1, 2023. Cardholders spending at least S$3,000 in a calendar month unlock one complimentary one-way airport limousine transfer for the following month, capped at two rides per month and eight per calendar year, though insurance premiums are excluded from meeting that minimum spend requirement.
Travel insurance coverage included with the card provides up to S$1,000,000 for accidental death or total permanent disablement, S$400 for luggage delays or missed connections, and S$1,000 for lost luggage. Coverage does not extend to medical expenses or emergency medical evacuation when full fares are charged to the card.