No personal accident benefit. This benefit is not included with this card. Accidental death and permanent disablement while travelling pay nothing from this card. A standalone travel or personal accident policy is required for this cover.
Does the OCBC INFINITY Cashback Card include travel insurance in 2026?
OCBC·$0/year·Mastercard
0,0/5Independent review · verified October 2026
0,0
0,0
Our Verdict · Travel Insurance
Our take on travel insurance for the OCBC INFINITY Cashback
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
Picture a hospital admission in Tokyo or Sydney while your flights sit on the OCBC INFINITY Cashback Card: the card pays nothing towards the bill. The OCBC INFINITY Cashback Card is a flat unlimited-cashback card, and it carries no complimentary travel insurance of any kind. Charging a flight to it activates nothing, because there is no policy attached to the card to switch on. A serious overseas hospital admission can pass S$100,000, and MediShield Life, Singapore's national health insurance scheme, does not cover treatment outside Singapore, so the whole amount lands on you. A standalone Singapore travel policy fills that gap from about S$20 a trip, covering overseas medical, cancellation and baggage. Many of those plans include COVID-19 medical costs too. Treat the OCBC INFINITY Cashback Card as a way to earn cashback, and buy the travel cover separately before you fly.
Where travel breaks down
- No complimentary travel insurance: overseas medical, cancellation and baggage are all uninsured
- No overseas hospital cover: a major admission abroad can pass S$100,000, none of it paid by MediShield Life
- Charging a flight to the OCBC INFINITY Cashback Card does not activate any policy, because the card carries no travel cover
Our methodology
Every score is derived from official bank documents: terms and conditions, benefit guides, and claim procedures. No commercial relationship influences our ratings.
Travel Insurance · 14 guarantees
What does OCBC INFINITY Cashback Travel Insurance actually cover?
What's not covered
- Personal accident is not a benefit of this card
No overseas emergency medical cover. This benefit is not included with this card. All medical costs overseas are the cardholder's responsibility. MediShield Life does not cover you outside Singapore, and a serious hospital admission in the US or Europe can run S$100,000 or more.
What's not covered
- Overseas medical treatment is not a benefit of this card
- Pre-existing conditions and pregnancy excluded
No emergency evacuation cover. This benefit is not included with this card. Emergency evacuation costs are entirely the cardholder's responsibility. An air ambulance from Bali or Bangkok back to Singapore runs S$50,000 to S$120,000.
What's not covered
- Emergency medical evacuation is not a benefit of this card
No overseas emergency dental cover. This benefit is not included with this card. Emergency dental treatment overseas is out of pocket.
What's not covered
- Overseas emergency dental is not a benefit of this card
No hospital cash allowance. This benefit is not included with this card. There is no daily cash payment while you are hospitalised overseas.
What's not covered
- Overseas hospital daily cash is not a benefit of this card
No trip cancellation. This benefit is not included with this card. Prepaid flights, hotels, and tours are not reimbursable if you cancel. A standalone travel insurance policy is required for this coverage.
What's not covered
- Trip cancellation is not a benefit of this card
No trip curtailment cover. This benefit is not included with this card. The cost to fly home early after a family emergency and resume a trip is out of pocket.
What's not covered
- Trip curtailment is not a benefit of this card
No travel disruption cover. This benefit is not included with this card. Extra accommodation and transport from a trip disruption are the cardholder's responsibility.
What's not covered
- Travel disruption is not a benefit of this card
No travel delay cover. This benefit is not included with this card. Meals, accommodation, and transport during a delay are the cardholder's responsibility.
What's not covered
- Travel delay is not a benefit of this card
No missed connection cover. This benefit is not included with this card. The cost of alternative transport after a missed connection is out of pocket.
What's not covered
- Missed connection is not a benefit of this card
No baggage cover. This benefit is not included with this card. Replacement costs for lost or stolen bags are the cardholder's responsibility.
What's not covered
- Baggage loss is not a benefit of this card
No baggage delay cover. This benefit is not included with this card. Purchases of essential items during a bag delay are out of pocket.
What's not covered
- Baggage delay is not a benefit of this card
No travel documents cover. This benefit is not included with this card. The cost to replace a lost passport or reclaim fraudulent card use overseas is out of pocket.
What's not covered
- Loss of travel documents is not a benefit of this card
No personal liability cover. This benefit is not included with this card. Legal liability for injury to others or property damage overseas is uninsured, and claims commonly reach hundreds of thousands of dollars.
What's not covered
- Personal liability overseas is not a benefit of this card
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
Coverage Radar
Where the OCBC INFINITY Cashback wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Accidental death: not covered by this card
Medical fees abroad: not covered by this card
Medical repatriation: not covered by this card
Compare
INFINITY CashbackThis card0.0/5?
$0/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
$210 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the OCBC INFINITY Cashback stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most INFINITY Cashback shoppers also consider.
| Card | This card INFINITY Cashback OCBC · $0/yr 0.0/5? | Visa Infinite CIMB · $0/yr 2.0/5? | Centurion American Express · $7,500/yr 4.2/5? | |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | Not covered Cover this gap → | S$1,000 Trip cancellation | S$20,000 S$20,000 prepaid costs | |
Emergency medical Hospital bills abroad | Not covered Cover this gap → | S$25,000 Overseas medical | Chubb arranges and pays No stated medical sub-limit | |
Emergency evacuation Air ambulance + repatriation | Not covered Cover this gap → | S$100,000 Evacuation & repatriation | Arranged and paid by Chubb Evacuation + repatriation | |
Trip delay trigger Hours before benefits kick in | Not covered Cover this gap → | 6h / S$500 Flight delay 6h | 4h / up to S$900 Trigger: 4 hours | |
Trip interruption Covered amount | Not covered Cover this gap → | Not covered | S$300/person S$300 per person |
StrongLimited / misleadingNot covered
Data verified against each card's Guide to Benefits, May 2026.
Cardholder reviews
What cardholders say about the OCBC INFINITY Cashback
Cardholder experience with the card 3 reviews
J(
Joy (Seedly)
Fuss-free all-purpose cashback card
Applied for this card and it's pretty fuss free if you're lazy like me and just want a one-size-fits all cashback card for all purposes. Somewhat comparable to AMEX though I've not really encompassed problems to tap on their customer service.
S(
sohguanh (HardwareZone)
Rebate timing not the best
1.6 + 0.2 = 1.8% and rebate is following month credit still not as good as DCS
N(
netzach (HardwareZone)
Hard to waive the annual fee
avoid anything to do with OC lol. hard to waive AFs, customer service is FK ed up max.
Emergency · Card assistance line
How to contact OCBC INFINITY Cashback assistance?
This card carries no complimentary travel insurance, so there is no underwriter or 24-hour assistance hotline attached to it. For medical, cancellation and baggage cover overseas, buy a standalone Singapore travel policy and keep its emergency assistance number with you while you travel.
What to do if you need travel cover with the OCBC INFINITY Cashback
1
Step 1: Buy a standalone travel policy before you fly
Because the card includes no travel insurance, arrange a standalone Singapore travel policy that states its overseas medical, cancellation and baggage limits in writing. Cover starts from around S$20 for a single trip.
2
Step 2: Keep your policy and emergency number with you
Save your travel insurer's 24-hour emergency assistance number and policy number on your phone, and keep receipts, medical reports and any police or airline reports to support a claim.
3
Step 3: Escalate to FIDReC for a card-issuer dispute
For a dispute with the card issuer itself, not travel insurance, you can approach FIDReC, the Financial Industry Disputes Resolution Centre, free of charge within 6 months of the issuer's final reply.
FAQ
What people ask about the OCBC INFINITY Cashback
- No. The OCBC INFINITY Cashback Card is a flat unlimited-cashback card, and it does not come with any complimentary travel insurance. Charging your flights to it does not switch on overseas medical, trip cancellation or baggage cover, because there is no policy attached to the card to activate. If you booked a trip assuming the card would protect you, you are travelling uninsured. A single hospital admission overseas can run past S$100,000, and MediShield Life, Singapore's national health insurance scheme, pays nothing for treatment outside Singapore. To close that gap, buy a standalone Singapore travel policy before departure, which starts at around S$20 for a single trip and covers the hospital bills, cancellations and lost bags the card does not.
- The OCBC INFINITY Cashback Card offers no travel insurance protection at all. There is no overseas emergency medical benefit, no trip cancellation, no baggage cover and no personal accident sum tied to the card. It is a cashback card built for everyday spending, and it still works as a Mastercard payment method wherever you travel, but the insurance layer simply is not there. Some cardholders confuse cashback or merchant perks with insurance; those give money back on spending, not medical or cancellation cover. If you want real protection for a trip, you need a standalone travel policy, since the card pays nothing towards a claim if something goes wrong abroad.
- Yes. Because the OCBC INFINITY Cashback Card carries no travel cover, paying for a trip with it gives you no insurance protection on its own. A single unexpected hospital admission overseas, which MediShield Life does not cover outside Singapore, can run past S$100,000, and none of that falls on the card. A standalone Singapore travel policy fills the whole gap from around S$20 for a single trip, and it typically covers overseas medical, trip cancellation, baggage and personal liability. Many plans include COVID-19 medical costs too. Buy the policy before you depart, keep the confirmation, and use the card purely as a convenient way to pay and earn cashback.
- No. The OCBC INFINITY Cashback Card does not cover COVID-19 medical costs overseas, because the card carries no travel insurance at all. If you catch COVID-19 abroad and need treatment or a hospital stay, the bill is entirely your own, and MediShield Life does not pay for care outside Singapore. This is a common point of confusion, since several Singapore travel policies do include COVID-19 cover. The OCBC INFINITY Cashback Card is not one of them. If COVID-19 protection matters for your trip, buy a standalone travel policy that lists COVID-19 medical and, ideally, trip cancellation among its benefits, and check the certificate wording before you rely on it.
- No. The OCBC INFINITY Cashback Card does not include mobile phone insurance, and it carries no purchase protection or extended warranty either. If your phone screen cracks or the handset is stolen, the repair or replacement is your own cost, and a flagship screen repair alone runs about S$200 to S$600. The card's value sits in cashback on everyday spending, not device or shopping protection. For phone cover you would need a separate gadget or mobile insurance policy, or a different card that specifically lists phone protection among its benefits. In Singapore that benefit is uncommon, and it is not attached to this card.
- For earning cashback and paying merchants abroad, the OCBC INFINITY Cashback Card is a capable card, and its Mastercard network is widely accepted. For protection, it is not enough on its own. The card provides no overseas medical, cancellation or baggage cover, so a trip paid entirely on it is still an uninsured trip. The realistic setup is to use the card for spending and cashback, and pair it with a standalone travel policy that covers the medical and disruption risks. That policy starts at around S$20 for a single trip. With both in place, you keep the rewards and gain the protection the card does not provide.
Not just OCBC
Other cards worth considering
INFINITY Cashback is a strong choice — but depending on what you prioritize, one of these may suit you better.
Centurion
American Express
Platinum Charge
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ULTIMA
Citibank
Prestige
Citibank