Cashbackpacker / Cards / Infini
Infini: what it really pays a traveller
Best result on our standard traveller profile: $13.94 a month kept on the Pro plan in Netherlands, a real rate of 0.70% against 2.0% advertised.
Rank by country, standard traveller profile
| Country | Rank | Plan | Kept a month | Real rate |
|---|---|---|---|---|
| Slovakia | #7 of 19 | Pro | $13.94 | 0.70% |
| Czechia | #6 of 18 | Pro | $13.94 | 0.70% |
| Germany | #7 of 19 | Pro | $13.94 | 0.70% |
| Austria | #7 of 19 | Pro | $13.94 | 0.70% |
| Poland | #6 of 19 | Pro | $13.94 | 0.70% |
| United Kingdom | #6 of 16 | Pro | $13.94 | 0.70% |
| France | #7 of 19 | Pro | $13.94 | 0.70% |
| Spain | #7 of 19 | Pro | $13.94 | 0.70% |
| Italy | #7 of 19 | Pro | $13.94 | 0.70% |
| Netherlands | #5 of 17 | Pro | $13.94 | 0.70% |
| United Arab Emirates | #7 of 16 | Pro | $13.94 | 0.70% |
| United States | #5 of 13 | Pro | $36.37 | 1.83% |
Profile: $1,500 a month card spend at home, 4 trips a year at $800 in local currencies, 6 flights at $450, paid plans allowed, flights booked through the card's own travel channel. How the number is made.
Plans and fees
| Plan | Cost | Cashback bands (per month) |
|---|---|---|
| Lite | Free | 0.0% above |
| Pro | Free | 2.0% above |
| Max | Free | 2.0% above |
Spending abroad
0% on USD. Other currencies: 1% (Pro), 3% (Lite). Max: no FX fee, but 1% cross-border outside Hong Kong
Good
- 2% back with no fee and no tier to buy
- Free first card
- USD and EUR account details for incoming pay
Watch out
- 2% is a promotion, the long-term rate is 1%
- No published country list
- Custodial. Lost $49.5M to a former developer in February 2025
What card holders say on X
Positive: 3 positive, 1 negative, 1 neutral of 5 public posts, 2026-08-25 to 2026-10-25.
Praised: 3% uncapped cashback, Smooth payments, Low FX fees. Complaints: Merchant account bans, Slow refunds, Account flags.
- "Smooth iPhone order 3% cashback" @beiyue66 on X ↗
- "Claude banned after Infini sub, seek refund" @fatdiudiu on X ↗
- "2-3% cashback no FX on lite" @qing_mu71977 on X ↗
- "Infini card offers 3% cashback" @JoinTODEY on X ↗
Public X posts from the last 60 days, found with xAI Grok X Search. Each post is classed positive, negative or neutral about card quality: cashback actually paid, approvals, declines, support, fees and FX. Brand accounts and referral posts are left out. Every linked post was checked to exist on the day. The mood never changes the ranking.
Availability and Curve
231 countries. Source: Card Map (official exclusions), checked 2026-10-03. Curve Pay: does not work (Hong Kong issuer).
Questions
How much cashback does Infini really pay?
On our standard traveller profile ($1,500 a month at home, 4 trips at $800 in local currencies, 6 flights at $450), Infini keeps $13.94 a month on the Pro plan in Netherlands, a real rate of 0.70% after fees and FX. The advertised top rate is 2.0%.
Where is Infini available?
Infini is available in 231 countries, by Card Map (official exclusions) (checked 2026-10-03).
What does Infini cost to use abroad?
0% on USD. Other currencies: 1% (Pro), 3% (Lite). Max: no FX fee, but 1% cross-border outside Hong Kong
Does Infini work with Curve Pay?
No. Hong Kong issuer.
What do card holders say about Infini on X?
Over the last 60 days we classed 5 public posts: 3 positive, 1 negative, 1 neutral (positive). Praised: 3% uncapped cashback, Smooth payments, Low FX fees. Complaints: Merchant account bans, Slow refunds, Account flags.