Fees and Limits

Fees

The following includes all possible fees that may be charged by Infini/Apple Pay & Google Pay/Visa/Mastercard. Fees may be updated from time to time based on policy changes.

Infini Card Fee Schedule

Items	Infini Global Card	Infini Tech Card	Infini Lite Card (Removed)	Notes
Account Registration Fee	Free	Free	Free	Zero fees for account opening and registration.
Card Issuance Fee	$9.90	$9.90	Removed	This is the price forone single Card only. You may have multiple Cards under your Account. Note: Only Infini Woof Card can be added into ApplePay or Google Pay.
Crypto Conversion Fee	Free	Free	Free	This refers to fees converting USDT/USDC to USD via our service provider, which will be executed automatically to complete each purchase.
Annual Administration Fee	Free	Free	Free	This refers to account management and maintenance fee
Inbound Transfer Fee	Free	Free	Free	Zero fees charged for transfers between Infini Accounts
Commission Fee	0.10%	0.10%	0.10%	A standard fee of the transaction amount will be charged.
Apple Pay / Google Pay Fee	0.20%	NA	NA	Fees charged by Apple Pay / Google Pay when making payments.
Cross-border Fee	1% for each non-U.S. merchant or non-USD transactions. Minimum 0.01 USD.	1% + 0.50 USD for each non-U.S. merchant or non-USD transactions, Minimum 0.01 USD	1%-1.5% for each non-USD transaction, Minimum 0.01 USD
Refund Fee	2%	2%	2%	Refund transactions incur a 2% fee on the total transaction amount.
Reversal fee	0.20 USD	0.20 USD	0.20 USD	Applicable to all reversal transactions with amounts over $5.

Please refer to the appendix for miscellaneous fees charged by Apple Pay/Visa/Mastercard.

Spending limits

There is no daily spending limit for the Infini card.

Third-party fees or additional charges

1. In certain cases, third-party payment tools or applications may charge additional fees or pre-authorized amounts.

2. The additional charges listed in the table below are all collected by third parties and are not related to Infini. This table will be updated from time to time.

3. The content in the table below may change due to modifications in third-party service terms.

Items	Description
WeChat Pay and Alipay additional fees	Due to the policies of WeChat Pay and Alipay, when you use the Infini Card to make payments via WeChat Pay or Alipay, an additional 3% fee will be charged if the amount exceeds 200 RMB. This fee is collected by WeChat Pay and Alipay and will apply when using any credit card not issued within the People's Republic of China.
Transportation applications	The transportation app service provider (like Uber) may pre-authorize your payment method for an amount equal to your estimated trip cost. This is a pre-authorization, not an explicit charge to your card. After completing the trip and the banking settlement process, some funds may be refunded to your card account. Example: Uber's explanation of pre-authorization.
Refund Fee	To prevent abuse of discounts through malicious refunds, some merchants will charge a refund fee for refunded orders. To avoid this fee, please make every effort to refrain from refunding due to erroneous purchase decisions.