VisaFX: No foreign feesNo FX Fees
Manulife Bank
Manulife Money+ Visa Infinite
Manulife Rewards
First Year Bonus
~$200
Welcome Bonus
20,000 pts
Annual Fee
FYF
Spend Required
$3,000 (3 mo)
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Data verified Apr 12, 2026
Earn rates
3%
grocery
2%
transit, dining & recurring bills
1%
everywhere else
Points value: ~1¢/pt
Transfer partners
Manulife Rewards (redeem for travel, gift cards, cash)
Lounge access
No lounge access
Additional perks
- ✓No foreign transaction fees
- ✓Strong grocery earn rate
- ✓Best value for Manulife banking clients
Insurance coverage
Travel Medical ($5M)
Trip Cancellation
Trip Interruption
Baggage Delay
Lost Baggage
Rental Car
Purchase Protection
Extended Warranty
Card details
NetworkVisa
Annual feeFYF
Foreign fee0% — no foreign transaction fees
Income req.$60,000 personal or $100,000 household
ProgramManulife Rewards