Maybank Visa Infinite Bonus MCC Categories
The Maybank Visa Infinite earns bonus rewards when you spend at merchants with specific MCC (Merchant Category Code) codes. Here's a breakdown of which categories earn bonus rates:
1. Foreign Currency (tiered) — 2.0-3.2 MPD
8X (3.2 MPD) on all FCY with S$4,000/mo retail spend; 5X (2.0 MPD) below the threshold. Uncapped.
| Category | MCC Codes | Top Merchants |
|---|---|---|
| Foreign Currency (tiered) | All | Overseas retailers, Overseas dining, Travel spend |
2. Local + Insurance — 1.2 MPD
All local spend earns 3X (1.2 MPD). Unique carve-back: insurance premiums earn the 3X local rate up to S$3,000/mo despite the general TREATS insurance exclusion. Education and medical also earn 3X.
| Category | MCC Codes | Top Merchants |
|---|---|---|
| Local + Insurance | All | Insurers, Local retail, Education, Medical |
Tips to Maximize Maybank Visa Infinite Rewards
- Effectively needs S$60,000/yr spend for the fee auto-waiver — heavy commitment
- Income floor S$150,000
- S$27.25 fee per TREATS-to-miles conversion (2.5:1)
- Digital Priority Pass 4 visits/yr (renewal on fee or S$60k/yr); limo rides at S$3,000/mo spend
Frequently Asked Questions
Which MCCs are excluded from Maybank Visa Infinite?
The general TREATS clause 2.2 list applies (4829, 4900, 5960, 6010, 6011, 6050, 6211, 6381, 6399, 6529, 6530, 6534, 6543, 7349, 7511, 7523, 7995, 8398, 8651, 8661, 9211, 9222, 9223, 9311, 9399, 9402, 9405 + wallet terms) — but the card T&C explicitly overrides the insurance exclusion (6300): insurance premiums earn 3X up to S$3,000/mo.
Does Maybank Visa Infinite earn on insurance payments?
Yes — uniquely among Singapore miles cards, its T&C carves insurance premiums back into the 3X local earn rate, capped at S$3,000/month.
What income do I need for Maybank Visa Infinite?
S$150,000 annual income.
Last Updated: October 2026 | MCC codes and card rewards may change. Always verify with CheckMCC and your card issuer.