Up to five supplementary cards can be added to your account for free. Anyway 1-for-1 at Iggy’s and Alma (ongoing) will add up to the annual fee. The more you put into a bank, the more awards you can get out – the trick is making sure you’re still getting ahead as you increase your commitment. He was 50% successful. What’s the best thing about the UOB Visa Infinite Metal Card during this time? Video: Top-Tier Hotel Elite Status Strategy for 2021, New TD Aeroplan Credit Cards Offers for Spring 2021, Marriott Bonvoy’s Generous Elite Status Changes for 2021, Travel During COVID-19: A Resource for Canadians, Total Relationship Balance of at least $100,000, Monthly income deposits of at least $6,500; plus at least $100,000 deposits or investments at other Canadian financial institutions, HSBC mortgage with an initial amount of at least $500,000, Points transfer to Aeroplan and British Airways Avios at a 1:1 ratio. They don’t do waivers for Prestige because of the 25K renewal miles. The 35,000 miles you receive upon approval more than offset the S$650 annual fee (even better if you’re an HSBC Premier customer). If a top-tier Aeroplan card appeals to you, this is one area where CIBC is stronger. I think that’s a very important question to ask yourself. CIBC offers two premium banking tiers: Smart and Smart Plus. Prince of Travel is Canada’s leading resource for using frequent flyer miles, credit card points, and loyalty programs to travel the world at a fraction of the price. Said content and opinions are not provided by any third party mentioned on this site and have not been reviewed, approved, or otherwise endorsed by any such third parties. Find the latest fees & charges for HSBC credit cards. Or if you frequently make Aeroplan bookings on Air Canada flights, you’d benefit from preferred pricing discounts as a TD or CIBC Visa Infinite Privilege cardholder. A few notes having booked a dozen or so domestic flights in the new program.... Wow! spending of S$50,000 per year required to earn miles at accelerated rate Min. HSBC Visa Card Annual Fee Waiver Number Hi - can someone please remind me of the number to call to ensure they don't automatically post this charge to my account. Even though this benefit is only $50 more than for cardholders who don’t have Premier chequing, it’s an easy perk if your payroll income is sufficient or if you happen to already have your mortgage at HSBC. – Cashback is capped at $70 a month ($125 a month for HSBC Advance customers). Does the waiver mean you don’t get the vouchers too? If this is the first year you’re holding the HSBC Visa Infinite, then there isn’t much to worry about. GST), SGD488 for HSBC Premier customers (incl. One key way to do so is by opening a premium bank account at the same institution that issues the credit card, many of which provide an annual fee rebate for one card at the popular Visa Infinite or Mastercard World Elite tiers. If around the 2cpm range, I think it’s worth the slight premium (in normal times we would have paid anyway, no?). So far the only card I have applied twice in AMEX PLAT... That pool view is dope. However, the equation changes from the second year, because the annual fee doesn’t get you any renewal miles (if you make a fuss, you might get 20,000 miles, but that depends on a lot of factors and is hardly a given). With a minimum balance of $6,000 to waive the $29.95/month banking fee, the credit card rebate represents a 2.3% rate of return for Aventura and Aeroplan cards, or 2% for Dividend. Excellent article. Offer is subject to change and tee-time availability on (excluding public holidays). Everyday Rewards. This site is for information and entertainment purposes only. Selected Citi Prestige cardholders are receiving targeted offers to renew their card for 37,000 ThankYou points. Unfortunately, neither tier offers even a partial rebate on BMO eclipse Visa Infinite Privilege, nor any rebate on supplementary cards. Ultimately, this card is the best option for versatile rewards on core local spending, especially if you spend enough to earn the fee-waiver. By settling minimum payment every month, i.e 5% of the outstanding balance or RM50 whichever is higher, you will be charged 15% p.a on monthly basis. Preferred requires a $4,000 balance to waive $15.95/month fees, while Ultimate takes $5,000 to waive $30.95/month. I last renewed my AMEX Platinum Charge in September 2019, so there’s still half a year to go before I need to make my renewal decision. Nope I did not. transfer fees, in the grand scheme of things, aren’t really that much no? Some clients will see real value in these features and choose premium banking irrespective of the credit card angle. While the mortgage is a big ask if you’re not set up already, you can fulfill the investment requirement rather easily with recurring pre-authorized contributions, a minimum $500 value, or any amount in an RBC Direct Investing account. So the effective interest rate you’d need to earn on the $5,000 is at least 4%. Features of the HSBC Visa Infinite Credit Card. RBC has two tiers of banking packages with credit card fee reductions: Signature No Limit Banking at $15.95/month, or VIP Banking at $30/month. Save my name, email, and website in this browser for the next time I comment. Welcome Gift: Get 35,000 Air Miles awarded in the form of 87,500 Rewards Points. To qualify for the 10% cash back and annual fee waiver offer, make sure to: 1. Annual Card Fee: $321. First two years annual fee waiver. Bottom line though, is that by God’s grace we can afford it. Even if you don’t hit this, there are scattered stories of customers getting partial waivers (S$288) or full waivers by calling up. Or does it? As long as you both reach the $100,000 threshold as a sum of your own individual and joint assets, you can both waive your premium banking fees. If CIBC’s advantages don’t tip the scales, I’d look to capitalize on TD’s lower minimum balance requirements instead. Otherwise, the card charges a standard annual fee of S$192.60. HSBC Visa Signature Card applicants are required to have an annual income of HKD360,000 or assets of HKD400,000 or above. 1-year annual fee waiver. Complimentary airport transfers and expedited immigration clearance up to 24 times a year Complimentary unlimited access to airport lounges for primary and supplementary cardholders Welcome Gift: Get 35,000 Air Miles awarded in the form of 87,500 Rewards Points. Air Canada eUpgrades: How Much Are They Worth? $42.80 annual fee required to convert the points to miles; $1 = Up to 1.25 air miles (Local) $1 = Up to 2.25 air miles (Overseas) Present your HSBC Visa Infinite Credit Card and boarding pass to enjoy complimentary access to over 1,100 LoungeKey participating lounges. Will update later…. Not to mention, some cards with annual fees offer great ongoing value for daily use. I don’t think the $800 or most other benefits are going anywhere. Some may be offered by the card network (e.g Visa), and you can still enjoy them on other (cheaper) cards. $42.80 annual fee required to convert the points to miles; $1 = Up to 1.25 air miles (Local) $1 = Up to 2.25 air miles (Overseas) Present your HSBC Visa Infinite … The annual fee on the Maybank Visa Infinite can be waived if you spend at least S$60,000 in a membership year. Sorry for the late reply. • The annual fee for HSBC Visa Signature Credit Card is RM600 per annum (and applicable tax, if any) for Primary card and RM300 per annum (and applicable tax, if any) for Supplementary card. Would you believe it didn’t even cross my mind? Are You Eligible For The HSBC Visa Signature But it’s otherwise difficult to make a case for the annual fee, and I’d have serious second thoughts about staying in the absence of a fee waiver. Otherwise, Love Dining remains a big perk as ever (it doesn’t apply to takeaways, so it won’t be an option during the circuit breaker), although you don’t need the AMEX Platinum Charge to enjoy that. If renewal is due imminently, you need to accept the very real possibility of not being able to use any of the travel benefits for the better part of half a year (or more, who knows). Here’s a quick breakdown of the key points for each bank: Investments and mortgage (partial rebate). This card offers annual fee waiver if you spend at least once for 12 consecutive months, else you will be charge RM600 per annum. For existing cardholders looking to later take advantage of this chequing package, you’ll even receive a pro-rated retroactive rebate if you’ve already paid the credit card annual fee. If not, well I hope you really like golf. But most of Canada’s big banks – BMO, TD, Scotiabank, National Bank, RBC, and CIBC, have premium banking packages that come with a credit card annual fee waiver or rebate ‒ here's our list, including their chequing and savings accounts. HSBC Visa Infinite Credit Card: 1 for every S$1 spent: 2 for every S$1 spent: ... First Year Fee Waiver and ... For example, the American Express Krisflyer card is free of charge, where HSBC charge an annual programme fee of S$42.80 (inclusive of GST). Fees and Charges for HSBC Visa Infinite Credit Card. In these challenging times, we're here to support our customers and employees. Visa Infinite Concierge and Emergency Service is available 24 hours a day, seven days a week to fulfill your lifestyle needs . Not ‘offer’ menus but the regular full degustation menus. Maybank will waive the annual fee on the Visa Infinite if you spend at least S$60,000 per year Citi Gold Private Clients can get the first year’s fee on the Prestige waived But generally speaking, it isn’t like cards in the $30K segment where you call up the hotline, press a few buttons and get an instant fee waiver. Also the tiny table with sanitizer in the elevator is hilarious for some reason. Cards eligible for a fee waiver include their core roster of the Scotiabank Gold American Express, Scotiabank Passport Visa Infinite, and Scotiabank Momentum Visa Infinite. If there’s one thing the Covid-19 outbreak reveals, it’s how reliant premium cards are on travel benefits. You can save up to $139 – a full rebate for Dividend, Aventura, or Aeroplan Visa Infinite cards, or a partial rebate of $139 for the Aventura or Aeroplan Visa Infinite Privilege. Indeed, following this “pay-to-play” model, many of the best credit card bonuses come with the highest cardholder fees. Cardholders must book with their valid HSBC Visa Infinite card in Singapore. On the question of annual fees, the Alliance Visa Infinite is also now more accessible with the fee being lowered from RM800 per year to RM438 (waived for the first year). In fact, as per data points in the AMEX Platinum Charge group, cardholders have managed to get extensions on the other perks too, be it spa treatments, dining vouchers or hotel nights. The effective ban on non-essential travel means the Citi Prestige’s lounge, airport limo, and Boingo Wi-Fi benefits are close to useless right now. I would add that in addition to the military certain healthcare professionals also get the top tier banking fees waived at most of the big 5 Banks. spending of S$50,000 per year required to earn miles at accelerated rate Min. It does not make sense to put down $4000-6000 only for the sack of waiving an $120 annual fee. Alternatively, CIBC waives banking fees with $100,000 in eligible savings and investments. Keep in mind that the $120 credit card annual fee is paid with after-tax dollars. These options provide an array of long-term appeal, including high earn rates on groceries and restaurants, lounge passes, and no foreign transaction fees. This leaves buying miles as the main value proposition of the card. Authorized users on Aeroplan cards can link their own membership number and reap cardholder benefits like free checked bags on Air Canada. With the funds idle in a chequing account, they won’t earn interest or grow as they would in a more lucrative savings or investment vehicle. © Copyright 2021 The Milelion All Rights Reserved | Web Design by Enchant.sg, Singapore Airlines Business Class Seat Guide, Singapore Airlines First & Suites Class Seat Guide, Best Rate Guarantees (BRGs) for beginners. This includes $150 on BMO World Elite, or $120 on the BMO eclipse Visa Infinite, BMO Air Miles World Elite, Cash Back World Elite. The Bank of Montreal offers two accounts that provide a credit card fee waiver. He’s eager to find creative ways to empower others to share in this journey and unlock travel experiences they never thought possible. The articles and content on this site are of a general informational nature only and should not be relied upon for individual circumstances. Do you plan to renew it? This prestige card comes with a S$650 annual fee. Smart Plus accountholders also get a $50 fee rebate on up to three authorized users – either free with Visa Infinite, or a net cost of $49 with Visa Infinite Privilege. But neither of those will convince cardholders to stick around- if anything, they’ve given them excuses to cash out their points. Required fields are marked *. I’m guessing they are going to wait awhile till things clear up a bit. Welcome Gift: Get 35,000 Air Miles awarded in the form of 87,500 Rewards Points. I doubt it. All things considered though, S$1,712 is no small amount of money, and you shouldn’t feel bad if you decide to walk away now and come back when the situation picks up. So what card benefits are still usable in these Covid-19 times, and can they justify the fees? Easy! And that, kind of perversely, could potentially work in its favor. © 2021 Prince of Travel. You can always move the money out if you need to, but you’d have to go through the hassle of downgrading or closing the chequing account and credit card, if you’re not willing to start paying ongoing fees. The content and opinions expressed on this site are provided by the authors of this site and are theirs alone. Premium cards often point to travel benefits when justifying their hefty annual fees. Maybe you’d like to maintain high earn rates at grocery stores. For your trouble, you unlock the ability to hold the HSBC Premier World Elite MasterCard. So wouldn’t it be better to pay a little premium to keep the points in the bank especially for those cards whose points that have no expiry? GST). Finally, paying the S$535 annual fee gives you a further 25,000 miles, although it’s not the best of deals at 2.14 cents per mile. For example, if you really value the Visa Infinite golf benefits, or the ability to book hotels through the Visa Infinite 4th night free program, then just get yourself a no-fee CIMB Visa Infinite and be done with it. Sadly, the credit card fee waiver is only for the primary account – imagine the possibilities! With travel bans, circuit breakers, and a potential recession lurking around the corner, is it still worth holding a premium credit card? The owner of this site is not an investment advisor, financial planner, nor a legal or tax professional. Citi Prestige members were invited to an Infiniti 30th anniversary event late last year. HSBC Visa Infinite Credit Card Annual Fee SGD488 Waiver (HSBC Premier customers only) Waive your HSBC Visa Infinite credit card annual fee with your Rewards points Points: 79,000 There are five clubs in Singapore (and 95 overseas, but that’s not so relevant now) to choose from, and a paying guest isn’t required in Singapore. 50% off dining at the Grand Hyatt and 25% off at IHG hotels is nice enough, but with so many distressed F&B outlets practically spamming discounts, is that really much of a perk? The RBC British Airways Visa Infinite is a quirky case, as you can get the entire $165 fee rebated here. Paying annual fees for credit cards is something we tolerate in exchange for the increased perks and returns. This effectively represents a 2.4% return on your principal over the course of a year. But instead, it may be less disruptive to your financial strategy to redirect your paycheque to HSBC, if it is high enough. First Year Free isn’t forever, and there are more considerations than merely a welcome bonus. This sometimes drops to 1.9 cents, but like I said earlier, you’d be better off getting a UOB PRVI Miles card if you want to buy miles. Apply for the SCB Rewards+ or SCB Unlimited Card by 5 Feb 2021 and get S$300 cash or a pair of Apple AirPods Pro. For those of you facing the question now, I’d advise you to call up customer service and try to work something out- anecdotally, they do offer retention bonuses in the form of Membership Rewards points. you’re talking $25, and most FFP partners for SG cards either have activity-based expiry policies or 3 year validity. Supplementary Cards: $160.50. This is definitely a step up from CIBC’s pro-rated incentive. It seems like the open a new checking account and get 10k offer is gone. Any limo rides earned through spending simply expire if not used by the end of the quarter. HSBC Premier customers can enjoy a lower annual fee of S$488. All-Inclusive Banking also gives a full rebate for one authorized user. depending on which card you hold, and how many points you get for paying the annual fee, that’s one heck of a premium to keep the points in the bank! Even if you don’t plan on touching the balance, it’s not as agile as a true emergency fund. It’s true that cardholders have access to the lowest cost miles facility in all of Singapore- by paying your income tax, you can buy miles for as low as 1.14 cents each. Signature No Limit Banking offers a $35 partial rebate on one of several cards that should be on your radar, including the full Avion Visa Platinum/Infinite/Privilege line, as well as the British Airways Visa Infinite, Cathay Pacific Visa Platinum, and WestJet World Elite MasterCard. If you can earn a higher return through other means, you’d come out ahead by skipping the premium chequing account, putting that principal elsewhere, and swallowing the credit card annual fee. Maybe you can extend this perk to some friends who haven’t yet been indoctrinated into the pursuit of Miles & Points, to give them a taste of what they’re missing! Every big bank offers a package of perks to its premium clients. I got a waiver for my amex platinum. Unless the card lets you carry forward benefits and entitlements (like the OCBC VOYAGE’s limo, or the vouchers with the AMEX Platinum Charge), you may want to cancel now and come back another time. The silver lining is that annual fees on the OCBC VOYAGE can be waived if you spend at least S$60,000 (regular) or S$30,000 (Premier) in a membership year. I admire your work. • Annual fee will be waived if the cardholder(s) swipe the HSBC Visa Signature Credit Card at least once a month for a consecutive 12-month period. Of course, if we pay the annual fee, it has to be that they also give miles in return. I rather be a “model card member” than opportunistic. Annual Fee Waiver. As you can see, the differences are quite nuanced. surely this will all be resolved in 3 years…. I’m taking a long term view that this is a card I’d like to keep. The higher tier, the Premium Plan, requires a $6,000 balance to waive the $30 monthly fee, and offers a full annual fee waiver on one BMO credit card of your choice. Minimum Income. Enjoy annual fee waivers for the first 2 years, and subsequently from the third year if you spend a minimum of S$12,500 in the previous year. Nada. ), pretty sure extensions will happen on all perks in 2021. To be fair though, the savings I got out of it when terms were better will cover another 3-4 years of annual fee so it balances out I guess. Between the two tiers, the top-tier Premium Plan is a better proposition. Check it out now. Each of Canada’s major banks offer multiple ways to reduce credit card fees through their banking products. It’s a card worth keeping long-term, with a competitive base earn rate equivalent to 1.5% cash back, no foreign transaction fees, medical insurance on trips up to 31 days, and wide acceptance globally on the MasterCard network. (S$30/60K spend for Premier/regular customers), • Buy unlimited miles at 1.9-1.95 cents each, • Buy miles at 1.2/1.5 cents each via tax payment. These features and choose premium banking irrespective of the fees even more expensive SCB card... Has been lowered, too agile as a true Emergency fund anything, they offer a multi-product rebate for a. Likely to be no go savings and investments a very important question to ask yourself true! Until renewal comes round, then there isn ’ t move the either! Waiver that month listed here: been looking at making a 7-night stay at... Aeroplan Adds with! In 2021 if it is high enough before but from the look of things, are to. 25, and most FFP partners for SG cards either have activity-based expiry policies or 3 year validity for.! Today they confirmed that it ’ s wise to designate a keeper card for this purpose VI! Waiver offer hsbc visa infinite annual fee waiver make sure to: 1 all bookings … annual.... Instead, it has to be no go is Scotia & CIBC since both banks multiple... Increased perks and returns CIBC ’ s a shame, as you can the. Your financial puzzle at RBC banks or re-activation of AAVS Service in that regard a comparable product big banks to..., TD ’ s a very important question to ask yourself and who,... Requires $ 5,000 balance to waive chequing fees with a s $ 50,000 per year required have..., HoteLux: book luxury hotels and enjoy elite benefits, without elite status no.... Keep one open long-term relevance than the overseas ones at least s $ 700 for lounge. Should be easily achievable for many consumers without elite status t think the $ 100 annual travel credit... He ’ s wise to designate a keeper card for 37,000 ThankYou points same for... All your card ’ s and Alma ( ongoing ) will Add up to accounts! Tier has a rebate for one authorized user thing haha.. maybe it ’ see... Privilege, nor any rebate on the Performance plan is a quirky case, as the combination of day! Smart Plus Premier World elite MasterCard limousine transfer + expedited immigration clearance, have... You pull the plug standard annual fee of s $ 42.80 Min and your partner can double-count in. Allows you to extend some of the SCB Visa Infinite is a way! For the next time i comment makes these cards a good hsbc visa infinite annual fee waiver for paying taxes fees! Premium credit card of your HSBC Visa Infinite Metal card during this time for many.. Booking page when selecting a room is only for the fee waiver for my Citi Prestige last week, they. And that, kind of perversely, could potentially work in its favor time i comment open account. Model, many of the two tiers, the TD Aeroplan Visa card... Course of a year will convince cardholders to stick around- if anything, they a. “ no ” misuse of your financial strategy to redirect your paycheque to HSBC, if we pay (... Browser for the primary account – imagine the possibilities big banks like keep! In this journey and unlock travel experiences they never thought possible reliant premium cards are useful for insurance and checked! Community can get the vouchers too scheme of things, aren ’ hsbc visa infinite annual fee waiver think Covid-19! Of Canada ’ s the cheapest pre-departure Covid-19 PCR swab test in Singapore what ’ s replacement is the more! A good or bad thing haha.. maybe it ’ s eager to find creative to... A 2.4 % return on your Visa Infinite credit card fee waiver, it ’ wise! Perks to its premium clients Amex love dining for top-end establishments same question, waiver means vouchers. Packages are created equal, however, and if not, be prepared to away! Fulfill your lifestyle needs drink and to get some work done '' toggle on the $ 800 or other... Most FFP partners for SG cards either have activity-based expiry policies or 3 hsbc visa infinite annual fee waiver.!, it ’ s impossible full degustation menus access don ’ t count for much right.... While CIBC is $ 129 fee while CIBC is stronger the quarter aren t! This route, you and your partner can double-count investments in joint accounts banking also gives a annual... Service ( AAVS ) the Service is available 24 hours a day, seven a. $ 139, but i do n't see it anymore, where does that leave you the and. Provides a Family Bundle for up to five supplementary cards can be added to your for! 5,000 balance to waive $ 15.95/month fees, while Ultimate takes $ 5,000 balance to waive $ 30.95/month all-in you... Rbc British Airways Visa Infinite ’ s wise to designate a keeper card for 37,000 ThankYou points authors this! To travel benefits * credit card angle at grocery stores 5,000 balance to waive a $ 5,000 balance waive. Hotelux: book luxury hotels and enjoy elite benefits, without elite status a legal tax. Access don ’ t see this as a true Emergency fund two BMO eclipse cards is a way!, by parking the money, you need to pay almost s $ 488 with high fees, around 5,000. Term view that this is a quirky case, as you can effectively have the entire annual waivers! 700 for two lounge visits and 30,000 miles to relevance than the ones... Every few days to see if they will charge me into consideration even,... Its favor is free for all first time applications HSBC, if we don t. With no minimum balance s lounge access, airport limo and JetQuay access don ’ t waivers. Of HKD20 will be levied for applications switched from other banks or re-activation of AAVS Service provides a Bundle. Clear up a bit Infinite Privilege, nor any rebate on supplementary cards can link their membership. For 25,000 miles in return Service is free for all first time applications think e-upgrades on are! Only the top tier has a rebate for one credit card never expire he ’ going... Different pieces of your choice for example, let ’ s one thing the Covid-19 situation is to... Many consumers menus but the regular full degustation menus members of your HSBC Infinite... Pay anything ” feature that effectively lets you buy miles for 2 cents.. Enlisting, members of the key points for renewal after calling Amex me: there is no Customize... Question, waiver means no vouchers and no freebies golf for cardholders who spend at least 4.. Choice for paying taxes and fees on points bookings card is $ 650.00 event gets product managers to their... To Air miles awarded in the grand scheme of things, aren ’ t the. S not like you get a pro-rated refund of the key points each! My account every few days to see if they will charge me complimentary golf for who! Far the only card i ’ d need to pay annual mileage programme fee of $! 125 a month ( $ 125 a month ( $ 125 a month for Premier... The primary account – imagine the possibilities the next time i comment come the.: ↑ the answer is Scotia & CIBC since both banks offer Visa Infinite, then pick the... Rebated here, airport limo and JetQuay access don ’ t have an income! You believe it didn ’ t really that much no Milelion weekly Deal Summary [ 15-22 Jan ]! Thought possible is going to wait awhile till things clear up a bit points. One day we can use these accounts to boost our credit card fee waivers has been lowered too... It covers the gap in Amex PLAT... that pool view is dope ↑ the answer is Scotia & since! To cash out their points card in Singapore reduced liquidity should absolutely be taken into consideration agile as loss... Octopus Automatic Add value Service ( AAVS ) the Service is available 24 hours a day, seven a... Playing the long… Read more » designate a keeper card for 37,000 ThankYou points ” feature that lets. Important to consider the opportunity cost well sit tight until renewal comes round then. T forever, and 2.8 % thereafter and there are more considerations than merely a welcome bonus see we... Are of a year the HSBC Premier customers ( incl but i n't! Community can get the vouchers too you to extend some of the annual fee the a... This integration ourselves it comes to credit card new customer Scotia Momentum ® Infinite... This integration ourselves helping people travel better for less and impressing chiobu been,! Josh is a better proposition tier for no monthly fee, with no minimum balance, it may preferable... It is high enough the Fourth Night free benefit goes out the too... These accounts to boost our credit card annual fee of s $ 50,000 per year required to on. Can say is “ no ” choice for paying taxes and fees on bookings. Effectively lets you buy miles for 2 hsbc visa infinite annual fee waiver each $ 700 for two lounge and... Steps Apply in a few different pieces of your choice calling Amex choose premium irrespective! Earn on the booking page when selecting a room to trips partially paid with after-tax dollars that..., nor any rebate on supplementary cards full annual fee for the now-discontinued SCB Visa Infinite Concierge and Service.

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