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Maybank · Visa · Infinite

Visa Infinite

Why pick it: Free for life, 1.75% foreign fee

Maybank Premier clients' card: free for life, 1 TreatsPoint per ₱25 (4,000 = 1,000 miles), 1% overseas cashback, golf, lounge reimbursement.

Score
47 /100
Status
Limited eligibility
Annual fee
Free for life
#31 of all 170 scored cardsNeeds about ₱3M with MaybankThin data

Thin data: the bank does not publish the income requirement. Check with the bank before you apply.

GET IT IF…Honest take

Libre habambuhay ang annual fee, pero para lang sa Maybank Premier clients.

Bottom line: Kung Premier client ka na at madalas kang abroad, sulit ang libreng fee. Kung hindi ka Premier, hindi ka puwedeng mag-apply dito.

Read the full take: the math, what's good, what hurts

Makakakuha ang typical household (~₱825k a year) ng ~₱5,000 na balik at ~₱1,500 na travel value, base sa data. Hindi siya kasama sa open-card ranking kasi limited ang eligible na mag-apply. Puwesto sa lahat ng cards: #31 sa 170, score 47.

The numbers in this take are our estimates for a typical household, not bank policy. Check fees and waivers with the bank.

What's good

  • Worth about ₱5,000 ang free-for-life annual fee, per the page.
  • 1.75% ang issuer service fee sa foreign transactions, na inilalarawan ng page bilang pinakamababa.
  • 1% cashback sa overseas spend at 1 TreatsPoint per ₱25.
  • May eComm Purchase Protection hanggang US$1,000 per claim per year, at golf privileges sa 19 countries.

What's bad

  • Physical terminals only ang overseas cashback, hindi online, at capped sa ₱36,000 a year.
  • Per the page, complimentary for two ang lounge access, pero magbabayad ka muna at ire-reimburse ang actual cost o US$30 per access, whichever is lower, hanggang 2 beses a year.
  • Kailangan mo ng ibang local credit card, ₱30,000 limit at na-issue more than 10 months ago.

The catch: Wala sa page ang Premier deposit requirement at ang minimum income. Galing sa comparison site ang estimate na mga three million pesos sa deposits o investments, kaya mag-confirm ka sa Maybank. May footnote sa page tungkol sa airline ticket purchases na walang katugmang benefit sa list, kaya hindi namin masabi kung may travel insurance. Hindi rin sinasabi ng page kung international lang ang lounge access.

Rechecked on the bank page on 2026-10-24. Not on the page: Premier deposit requirement; minimum income; whether lounge access is international only; travel insurance (only an unmatched footnote about airline ticket purchases). Our opinion, based on published terms. Not financial advice. The bank decides approval.

The take above is written for a typical household spending about ₱825,500 a year. Get your own score in 60 seconds.

Yearly value for a typical household:
about ₱6,500 in rewards (₱5,000) and travel value (₱1,500), before the card's fees (no annual fee)
To qualify:
Not published; Maybank Premier clients only (about ₱3M deposits/investments per Moneymax) · Must hold another local card 10+ months with ₱30k+ limit (limited eligibility)
Deposit with the bank:
Needs about ₱3M with Maybank
Bank service:
About typical.
Score breakdown, fees, rewards and perks

Score breakdown

  • Yearly value25 / 63

    These bars compare each part with other cards on its own, so they don't add up to Yearly value. How it is scored

    • Rewards on the default spend11 / 37

      About ₱5,000 a year in rewards on the typical household's spend, after caps and the foreign fee on foreign online spend. How the bars work

    • Annual fee after waivers16 / 16

      No annual fee. How the bars work

    • Travel and perks on the default spend3 / 10

      About ₱1,500 of travel value on one trip abroad a year, after the 1.75% foreign fee. It includes lounge visits (each person in a household of three who gets in counts). How the bars work

  • Promos and 0% installments4 / 15

    0% installment network: fair. Promos: weak, judged by what a typical household would likely save from the promos this card gets, past and current, with 29 live promos tracked. How it is scored

  • Points flexibility9 / 10

    4 airline partners, and points that do not expire. How it is scored

  • Credit limit and upgrade path5 / 5

    Infinite card level, plus how Maybank handles credit limit increases and card upgrades. How it is scored

  • App and service3 / 5

    Banking app: average. Service: about typical. How it is scored

  • Late fee1 / 2

    A late fee of ₱850 for one missed payment, or the unpaid minimum due if that is lower. How it is scored

On the default spend: about ₱5,000 a year in rewards and ₱1,500 in travel value.

Score over time

Total score and tier on each data date, on the default spend.

methodmethodmethodmethod57 AOct 2457 AOct 2647 AOct 2747 ANov 247 ANov 447 ANov 947 ANov 1047 ANov 11
  • Between Oct 24 and Oct 26 the scoring method changed (2 changes), so part of that move is the method, not the card.
  • Between Oct 26 and Oct 27 the scoring method changed (10 changes), so part of that move is the method, not the card.
  • Between Nov 2 and Nov 4 the scoring method changed (a card with a higher income minimum for first-time applicants is no longer left out), so part of that move is the method, not the card.
  • Between Nov 10 and Nov 11 the scoring method changed (3 changes), so part of that move is the method, not the card.
  • Method changes

Fees and who can apply

Annual fee
Free for life
Supplementary fee
₱0
Fee waiver
No annual fee
Foreign transaction fee
1.75%
Minimum income
Not published
Also needs
Maybank Premier clients only (about ₱3M deposits/investments per Moneymax) · Must hold another local card 10+ months with ₱30k+ limit

Rewards

For Maybank Premier clients. 1 TreatsPoint per ₱25, plus 1% cash back on overseas in-store spend.

Caps: ₱36,000 per year (spending abroad)

Type
Points
Points expiry
none
Airline partners
Asia Miles, KrisFlyer, PAL Mabuhay Miles, AirAsia

Travel perks

International lounge visits
2 a year
Local lounge
None
Travel insurance
None

Strengths

  • No annual fee for life
  • Low FX fee (1.75%)
  • 2 free international lounge visits a year
  • Points don't expire; 4 airline partners

Watch out for

  • Rewards on spending abroad capped at ₱36,000 a year

Live and upcoming promos (29)

As of Nov 11, 2026. Check each promo's source before you rely on it.

Show 24 more

What cardholders say (0)

Individual accounts, read by us before they appear but not checked with the bank. They never change this card's score.

No cardholder posts yet.

Official Maybank card page ↗