Maybank Visa Infinite cardholders face stricter reward redemptions and higher fees under updated program terms, The MileLion reported.
The revised structure arrives alongside tighter limits on airport lounge access and new spending exclusions for utility bills. Cardholders previously enjoyed unlimited visits through Priority Pass before allowances dropped to four annual visits on August 1, 2023.
Maybank sets the annual fee for the Visa Infinite card at S$654, which remains waived for the first year.
How TREATS points accrue and transfer to airline partners
Base points accrue at 5X per S$5 spent for cardholders spending S$4,000 or more per calendar month. Maybank caps total accumulated TREATS points at 5,000,000 across all cards, restricting overall mileage generation for high-volume spenders.
Points transfer to four airline partners, including KrisFlyer at a 25,000 to 10,000 ratio with a minimum block of 10,000 miles. Conversions to Asia Miles and Enrich require a minimum block of 5,000 points at a 12,500 to 5,000 ratio.
| Partner Program | Conversion Ratio | Minimum Transfer Block | Transfer Time |
|---|---|---|---|
| KrisFlyer | 25,000 : 10,000 | 10,000 miles | 1-2 working days |
| Asia Miles | 12,500 : 5,000 | 5,000 miles | ~10 days |
| Enrich | 12,500 : 5,000 | 5,000 miles | ~10 days |
| AirAsia | 4,000 : 2,000 | 2,000 points | ~10 days |
Maybank ended fee waivers for points conversions in April 2025. Cardholders now pay S$27.25 per transfer request.
Transactions that do not earn TREATS points
Utility bill payments lost point-earning eligibility on December 1, 2025. Other excluded categories include betting, gambling, brokerage and securities transactions, charitable donations, government services, and prepaid account top-ups like GrabPay and YouTrip.
Insurance premiums earn TREATS points up to S$3,000 per calendar month. Hospital and education expenses in Singapore dollars and foreign currencies continue to earn points, unlike many competing cards.
CardUp transactions earn 1.2 miles per dollar with a Visa card using promotional codes. Visa processing fees range from 2.25% to 2.45%, resulting in an acquisition cost between 1.83 and 1.99 cents per mile.
Travel Perks and Limo Transfers
Principal cardholders who spend S$3,000 in a calendar month earn one complimentary airport limo transfer for the following month. Users can book up to two limo rides monthly by reaching S$6,000 in monthly spend, subject to a cap of eight transfers per calendar year.
Insurance premiums do not count toward the S$3,000 monthly spend threshold for limo bookings. Bookings require a notice period of five days to two months prior to departure.
Complimentary travel insurance provides up to S$1,000,000 for accidental death or total permanent disablement. The policy covers S$400 for luggage delays or missed connections and S$1,000 for lost luggage, but excludes medical expenses and emergency medical evacuations.
Do TREATS points expire or allow guest lounge access?
How long do points transfers take?
KrisFlyer conversions take one to two working days via the TREATS SG app, while transfers to Asia Miles and Enrich require approximately 10 days through manual PDF processing.
Can lounge access be shared with guests?
Lounge visits are restricted to principal cardholders and cannot be shared with guests.
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