Standard Chartered Visa Infinite

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Features of the Standard Chartered Visa Infinite Credit Card

Premium Card Exclusivity: The Standard Chartered Visa Infinite Credit Card is reserved for Priority Banking customers, reflecting its exclusivity. This card is not available to the general public, ensuring that it caters to a select group of high-net-worth individuals who maintain significant financial relationships with Standard Chartered Bank. This exclusivity enhances the card’s prestige, aligning with the lifestyle of affluent clients who seek personalized banking experiences. The card’s design, often featuring a sleek metallic finish or premium branding, symbolizes status and sophistication, appealing to those who value distinction in their financial tools. The exclusivity also means that the card comes with tailored services, such as dedicated Relationship Managers, who provide personalized support for financial planning and card-related queries. This level of service is particularly valuable for clients with complex financial portfolios or those who frequently travel internationally, as it ensures seamless access to banking services worldwide. Additionally, the card’s exclusivity extends to its benefits, which are curated to match the lifestyle of high-net-worth individuals, such as access to premium travel and lifestyle privileges.
No Annual or Joining Fees: A significant feature for Priority Banking clients is the absence of joining and annual fees. This makes the card cost-effective, as cardholders can enjoy its premium features without incurring additional charges, provided they maintain their Priority Banking status with the bank. This is particularly appealing for high-net-worth individuals who expect value without hidden costs.

- Reward Points Structure: One of the standout features of the Visa Infinite Credit Card is its robust rewards program, known as the Standard Chartered 360° Rewards Programme. Cardholders earn:
  5 reward points for every INR 100 spent on overseas transactions or retail fashion purchases. This high earning rate makes it particularly attractive for frequent international travelers or those who indulge in luxury shopping. For example, a cardholder spending INR 50,000 on international shopping would earn 2,500 reward points, equivalent to significant redemption value.
  2 reward points for every INR 100 spent on all other categories, ensuring that even routine purchases contribute to reward accumulation. For instance, spending INR 20,000 on groceries or utilities would yield 400 points. The points have no expiry date in many regions, allowing cardholders to accumulate rewards over time without pressure to redeem them hastily. This flexibility is ideal for those who prefer to save points for significant redemptions, such as luxury goods, travel, or exclusive experiences. The rewards program is accessible through Standard Chartered’s online portal, where cardholders can browse an extensive catalogue of redemption options, including electronics, gift vouchers, and air miles. The program’s versatility ensures that it caters to diverse preferences, from tech enthusiasts to frequent flyers.
- Airport Lounge Access: Travel benefits are a cornerstone of the Visa Infinite Credit Card’s features. Cardholders enjoy:
  4 complimentary domestic lounge accesses per calendar quarter through the Visa Infinite Lounge Program, available at select airports in India, such as Delhi, Mumbai, Bangalore, and Chennai. This is a significant perk for frequent domestic travelers, offering a comfortable space to relax before flights, complete with amenities like gourmet food, beverages, Wi-Fi, and business facilities.
  Complimentary Priority Pass membership, which provides access to over 1,000 international lounges worldwide. However, international lounge visits may be subject to specific conditions, such as maintaining a minimum Funds Under Management (FUM) of INR 30 Lakh at an individual account level. For qualifying cardholders, this translates to 2 international lounge visits per month, enhancing the travel experience with access to premium amenities like shower facilities, quiet zones, and high-speed internet. For example, a cardholder traveling through Dubai International Airport could access the Marhaba Lounge, enjoying a luxurious pre-flight experience. The lounge access benefits are particularly valuable for frequent travelers, as they reduce the stress of long layovers and provide a premium travel experience.
- Contactless Payment Technology: The card supports contactless payments, enabling quick and secure transactions at compatible terminals. This feature is particularly useful for small, everyday purchases, as it allows cardholders to tap and pay without entering a PIN for transactions below a certain threshold (e.g., INR 5,000 in India). The contactless feature is powered by Visa payWave technology, ensuring compatibility with a wide range of merchants globally. Additionally, the card integrates with digital wallets like Apple Pay, Google Pay, and Samsung Pay, allowing cardholders to make payments using their smartphones or smartwatches. This reduces the need to carry physical cards, enhancing convenience and security, especially in high-traffic environments like airports or shopping malls. The contactless feature is particularly appealing to tech-savvy users who prioritize speed and efficiency in their transactions.
- EMI Conversion Options: The Visa Infinite Credit Card offers flexible EMI (Equated Monthly Installment) options through the “Kuch Bhi on EMI” feature, allowing cardholders to convert transactions above INR 2,000 into manageable installments. This is particularly useful for large purchases, such as electronics, furniture, or travel bookings, as it helps spread the cost over a flexible tenure (e.g., 3 to 24 months) with attractive interest rates. For example, a cardholder purchasing a INR 50,000 television can convert the amount into 12 monthly EMIs of approximately INR 4,500, depending on the interest rate. Additionally, cardholders can convert their entire outstanding balance (up to INR 5,00,000) into EMIs with zero processing fees, providing financial flexibility without additional costs. This feature is accessible through the SC Mobile app or online banking, making it easy to manage large expenses.
- Loan and Balance Transfer Facilities: The card includes a Dial-a-Loan feature, enabling cardholders to access loans of up to INR 5,00,000 with tenures ranging from 12 to 60 months. This can be used for various purposes, such as funding travel, home renovations, or other significant expenses. The loan application process is streamlined, with approvals typically processed within a few days. Additionally, the card offers a balance transfer facility, allowing cardholders to transfer balances up to INR 5,00,000 from other bank credit cards at competitive interest rates. This is ideal for consolidating debt, as it reduces interest costs and simplifies repayment. For example, transferring a INR 2,00,000 balance from a card with a 45% APR to one with a 23.88% APR can save significant interest over time.
- Supplementary Cards: Cardholders can request supplementary cards for family members, extending the card’s benefits to loved ones. These supplementary cards come with the same contactless payment capabilities and access to the 360° Rewards Programme, ensuring that family members can also enjoy the card’s perks. However, the primary cardholder remains responsible for all transactions made on supplementary cards, providing control over spending limits. This feature is particularly useful for families where multiple members travel or shop frequently, as it allows them to earn rewards collectively while maintaining centralized oversight.
- Online and Mobile Banking Integration The Visa Infinite Credit Card is fully integrated with Standard Chartered’s online and mobile banking platforms, allowing cardholders to manage their accounts seamlessly. Features include: Real-time transaction tracking to monitor spending. Instant bill payments and balance inquiries for convenient financial management. Redemption of reward points through the online catalogue, with options ranging from luxury goods to air miles. Access to EMI conversion and loan requests via the SC Mobile app, streamlining financial transactions. This digital integration ensures that cardholders can manage their finances on the go, making the card a convenient tool for tech-savvy users. The SC Mobile app also provides notifications for transactions, due dates, and promotional offers, enhancing the user experience.
- Security Features: Security is a priority for the Visa Infinite Credit Card, which includes: 3D Secure OTP verification for safe online transactions, protecting against unauthorized purchases. This requires a one-time password sent to the registered mobile number or email for online transactions. EMV chip technology to prevent card skimming and cloning, ensuring secure in-person transactions. Lost or stolen card reporting through a 24/7 customer care hotline, ensuring quick action in case of emergencies. The bank can block the card and issue a replacement, minimizing financial risk. These features provide peace of mind, especially for frequent travelers or those who use the card for high-value transactions.
- No Annual or Joining Fees: A significant feature for Priority Banking clients is the absence of joining and annual fees. This makes the card cost-effective, as cardholders can enjoy its premium features without incurring additional charges, provided they maintain their Priority Banking status with the bank. This is particularly appealing for high-net-worth individuals who expect value without hidden costs.
- Comprehensive Travel Assistance: The card offers access to a 24/7 Visa Infinite Concierge Service, which assists with travel planning, hotel reservations, flight bookings, restaurant reservations, and more. This service is available globally, ensuring that cardholders receive personalized support regardless of their location. For example, a cardholder planning a trip to Paris can use the concierge to secure a reservation at a Michelin-starred restaurant or book a private tour of the Louvre. Additionally, the card provides emergency services, such as card replacement or cash disbursement, in case of loss or theft while traveling, ensuring uninterrupted access to funds.
- Flexible Credit Limit: The credit limit for the Visa Infinite Credit Card is determined based on the cardholder’s financial profile, including income, credit score, and Funds Under Management. While the exact limit varies, it is typically higher than standard credit cards, reflecting the card’s premium positioning. For example, a cardholder with a monthly income of INR 2,00,000 and INR 50 Lakh in FUM may receive a credit limit of INR 10,00,000 or more. Cardholders can request limit enhancements, subject to the bank’s approval, to accommodate their spending needs, making the card suitable for high-value purchases or travel expenses.

Benefits of the Standard Chartered Visa Infinite Credit Card

Enhanced Reward Points Accumulation:
The card’s rewards program is a significant benefit, offering accelerated earning rates for specific categories:
- 5X reward points on international transactions and retail fashion, equivalent to a 1.5% reward rate (assuming 1 reward point = INR 1). For example, spending INR 1,00,000 on international shopping yields 5,000 points, which can be redeemed for significant value.
- 2X reward points on other spends, equivalent to a 0.6% reward rate, ensuring that even routine purchases contribute to rewards.
These points can be redeemed through the Standard Chartered 360° Rewards Programme for a variety of options, including:
- Luxury goods and gift vouchers from premium brands like Apple, Amazon, or luxury retailers.
- Air miles with partners like AsiaMiles, KrisFlyer, or Enrich, at a conversion rate of approximately 7,000 points for 1,000 air miles, ideal for frequent flyers.

- Complimentary Lounge Access: 4 complimentary domestic lounge visits per quarter, covering major airports in India like Delhi, Mumbai, Bangalore, and Chennai. This allows cardholders to relax in comfort, enjoying amenities.
- Complimentary Insurance Coverage: Personal air accident cover of up to INR 1.2 Crore, protecting cardholders and their families in case of incidents during air travel. This coverage is activated when the card is used to book flights.
- Lifestyle and Concierge Services: The Visa Infinite Concierge Service is a premium benefit, offering 24/7 assistance for:
- Booking flights, hotels, or car rentals, ensuring seamless travel planning. Securing reservations at exclusive restaurants or events, such as Michelin-starred restaurants or sold-out concerts.
- Good Life Programme:
- Dining: Discounts at premium restaurants and cafes, such as 15-20% off at partner establishments like Zomato or select fine-dining restaurants.
- Shopping: Offers at luxury retail outlets, fashion stores, and online platforms like Myntra, providing savings on high-end purchases.
- Travel: These offers are tailored to the preferences of Priority Banking clients, ensuring that they enjoy savings on their favorite activities. The programme is regularly updated with new offers, ensuring ongoing value for cardholders.
- Financial Flexibility:
- Kuch Bhi on EMI: Convert large purchases into affordable installments, with tenures up to 24 months and zero processing fees for certain conversions. This is ideal for managing high-value expenses like electronics or travel bookings.
- Dial-a-Loan: Access loans up to INR 5,00,000 for personal or business needs, with flexible repayment options ranging from 12 to 60 months.
- Balance Transfer: Consolidate debt from other credit cards at lower interest rates, helping cardholders manage their finances efficiently.
- Golf and Entertainment Privileges: In some regions, the card offers:
- Complimentary golf rounds at select courses, subject to minimum spend requirements (e.g., AED 10,000 in the UAE). This is a unique benefit for golf enthusiasts, providing access to premium courses.
- This is particularly valuable for entertainment enthusiasts, as it offers savings on high-ticket events. These privileges enhance the card’s appeal for cardholders who enjoy luxury leisure activities.
- Fraud Protection and Security: The ability to report lost or stolen cards through a 24/7 hotline ensures quick resolution, minimizing financial risk.

How to Apply for the Standard Chartered Visa Infinite Credit Card

Online Application Process:
Visit the Official Website: Go to the Standard Chartered India website and navigate to the “Credit Cards” section. The website has a dedicated Priority Banking section.
Select the Visa Infinite Credit Card: Locate the Priority Visa Infinite Credit Card page and click on the “Apply Now” button.
Log In or Register: If you’re an existing Priority Banking client, log in with your online banking credentials. New users may need to contact their Relationship Manager to initiate the process.
Complete the Application Form: Fill in personal details, including name, contact info, income, and Priority Banking account number. Include employment, residential address, and financial commitment details.
Upload Documents: Submit digital copies of required documents (e.g., ID proof, income proof) in the specified formats (PDF/JPEG).
Video KYC: Complete a video KYC if prompted, involving a short video call with a bank representative for identity verification.
Submit Application: Review and submit the application. An instant in-principle decision may be provided, subject to final credit verification.
Processing Time: Application processing takes 7–15 days, with updates sent via email or SMS.
Offline Application Process:
Locate a Branch: Use the bank’s website branch locator to find the nearest Standard Chartered branch in eligible cities (e.g., Ahmedabad, Bangalore, Chennai, Delhi, Hyderabad, Kolkata, Mumbai, Pune).
Contact Relationship Manager: Schedule an appointment with your Priority Banking Relationship Manager or bank executive.
Fill Out Application Form: Obtain and complete the physical form, providing income, employment, and account details.
Submit Documents: Provide original or certified physical copies of required documents for verification.
Verification Process: The bank verifies your documents and Priority Banking status. You may need to attend an in-person KYC meeting.
Await Approval: Approval typically takes 9–15 working days, with notifications via email or your Relationship Manager.
Role of the Relationship Manager:
Guides you through eligibility and documentation requirements.
Facilitates faster processing by coordinating with the credit team.
Provides updates and assists with issues such as missing documents.
Tips for a Successful Application:
Maintain Priority Banking status with sufficient Funds Under Management (typically INR 30 Lakh).
Ensure your credit score is 750 or higher for better approval chances.
Prepare accurate and up-to-date documents matching application details.

Eligibility Criteria for Standard Chartered Visa Infinite Credit Card

1. Priority Banking Membership
- Must be an existing Priority Banking client with Standard Chartered Bank.
- Maintain Funds Under Management (FUM) of INR 30 Lakh or more (includes savings, deposits, investments).
- Alternatively, mortgage loans of INR 1 Crore or higher may qualify.
- Corporate clients may qualify with a net monthly salary credit of INR 2,00,000 or more.
- If not a Priority Banking client, applicant must open a Priority Banking account before applying.
2. Age Requirements
- Applicants must be between 21 and 65 years old at the time of application.
- Supplementary cardholders must be 18 years or older.
- Ensures financial maturity and responsibility for premium card management.
3. Stable Monthly Income
- Gross monthly income of INR 1,75,000 or higher for salaried individuals (verified via payslips, bank statements, or Form 16).
- Self-employed applicants must submit Income Tax Returns (ITR) or audited financial statements, typically with annual income around INR 21 Lakh.
- Income requirements may be relaxed for corporate clients or existing high-credit limit holders.
4. Credit Score and History
- Minimum CIBIL score of 700 required (preferably 750+ for better approval chances).
- Good payment history: no defaults or late payments on loans or credit cards.
- Credit utilization should be below 30% of credit limits.
- Avoid multiple credit inquiries before applying.
- Longer positive credit history improves chances of approval.
5. Geographic Eligibility
- Applicants must reside in Standard Chartered’s sourcing cities in India, such as Ahmedabad, Bangalore, Chennai, Delhi, Hyderabad, Kolkata, Mumbai, Pune, and others.
- Applicants from non-eligible locations may be asked for additional documentation or may face rejection.
6. Existing Relationship with Standard Chartered
- Not mandatory, but existing customers with savings accounts, fixed deposits, or loans have better approval chances.
- Priority Banking clients with long-standing accounts or mortgages are preferred.
7. Additional Considerations
- Maintain minimum FUM of INR 30 Lakh to enjoy lounge access and certain benefits.
- Applications undergo internal credit and policy checks including debt-to-income ratio and employment stability.
- Corporate clients may have relaxed income or FUM requirements depending on their relationship with the bank.

Documents Required for Standard Chartered Visa Infinite Card Application

Identity Proof:
- NRIC (Singapore): Mandatory for citizens and permanent residents.
- Passport: Valid and not expired; accepted for both residents and foreigners.
- Employment Pass/Work Permit: Required for foreign applicants to prove legal residency and work status.
- Voter ID Card: Accepted for residents with valid identification.
- Driving License: Valid Singapore driving license can also be used.
Address Proof:
- Utility Bills: Electricity, water, or internet bills dated within the past 3 months.
- Bank Statement: Recent statement showing name and residential address.
- Rental Agreement: Valid lease agreement for current residence.
- NRIC/Passport: If address is included, can double as address proof.
- Government-Issued Letter: Issued by authorities such as the National Population Register.
Income Proof:
- Salaried Individuals:
  - Latest 1-month payslip.
  - Recent CPF contribution statement.
  - Bank statements showing salary credits for past 3 months.
- Self-Employed Individuals:
  - Latest income tax returns with income computation.
  - Business registration certificate (e.g., ACRA).
  - Certified financial statements for the past 12 months.
- Minimum Income Requirement: S$30,000 annually for locals; S$60,000 for foreigners.
Application Form:
Fully completed with accurate personal and financial details. Online forms may require digital signatures or OTP verification.
Supplementary Card Documents:
- Identity proof for each supplementary cardholder (e.g., NRIC or passport).
Additional Documents (If Applicable):
- Credit card statements for existing cards to assess repayment behavior.
- Employment letter, especially for recently employed individuals.
Submission Guidelines:
- Online: Upload scanned copies or high-quality photos (PDF, JPEG, PNG, max 5MB).
- Offline: Submit original or certified true copies at a Standard Chartered branch.
- Ensure documents are clear, legible, and current (no expired or outdated files).
Document Preparation Tips:
- Gather all documents before starting the application.
- Double-check name and address consistency across documents.
- Keep digital copies securely for online submissions.
- Use certified true copies if originals are unavailable.
Common Issues to Avoid:
- Incomplete submissions (e.g., missing payslips or proof of income).
- Discrepancies in personal details across documents.
- Expired or illegible documents.
Document Security:
- Submit documents only through official Standard Chartered channels.
- Avoid emailing sensitive information through unsecured methods.

Factors Affecting the Standard Chartered Visa Infinite Credit Card Eligibility

Credit Score and History:
A strong credit score (CIBIL score of 700 or higher) is critical for approval. Key aspects include:
- Payment History: Consistent, timely repayment of loans and credit card bills demonstrates reliability. Missing payments or defaults can lead to rejection.
- Credit Utilization Ratio: Keeping credit card balances below 30% of the credit limit signals responsible credit management. High utilization can negatively impact approval.
- Credit Inquiries: Multiple recent credit applications can lower the score, indicating financial distress. Avoid applying for multiple cards or loans simultaneously.
- Length of Credit History: A longer credit history with positive behavior improves approval chances by showing sustained financial responsibility.
A high credit score not only ensures approval but also influences the credit limit offered, with higher scores typically resulting in higher limits.
Funds Under Management (FUM):
Exclusivity for this card is tied to Priority Banking status, which requires maintaining a minimum FUM of INR 30 Lakh. This includes:
- Savings accounts and term deposits with Standard Chartered.
- Investments like mutual funds, bonds, or structured products through the bank.
- Mortgage loans of INR 1 Crore or higher, in some cases.
Failure to maintain the required FUM may limit benefits like international lounge access or incur additional charges.
Income Stability:
A stable and substantial income indicates repayment ability. The bank assesses:
- Salaried Individuals: Regular salary credits and job stability (e.g., at least 1-2 years with a reputed employer).
- Self-Employed Individuals: Consistent business income verified through ITRs and audited financials.
Higher income levels typically result in higher credit limits and faster approvals.
Debt-to-Income Ratio:
The bank evaluates the ratio of monthly debt payments to income. Ideally below 40%, a lower ratio suggests better financial health and improves approval chances.

High existing debt may reduce credit limits or cause rejection.
Geographic Location:
Applicants must reside in Standard Chartered’s credit card sourcing cities (e.g., Mumbai, Delhi, Bangalore). Non-eligible locations may require additional documentation or face rejection.
Application Accuracy:
Incomplete or inaccurate applications cause delays or rejection. Ensure:
- Correct personal and financial details.
- Submission of all required documents.
- Consistency between application and supporting documents.
Spending Patterns:
Post-approval, spending behavior affects benefits and credit limits:
- High international spending maximizes rewards and lounge access.
- Timely repayments maintain a healthy credit profile and avoid high interest charges.
- Meeting minimum spends may be required for certain perks like golf privileges.

Frequently Asked Questions (FAQs) - Standard Chartered Visa Infinite Credit Card

1. What is the Standard Chartered Visa Infinite Credit Card?

The Standard Chartered Visa Infinite Credit Card is a Visa card offered in Singapore, designed for online shoppers and contactless payment users. It offers cashback rewards up to 3% on foreign currency online spending, 2% on local online and contactless payments, and 1% on other retail purchases, with no minimum spend requirement.

2. What are the cashback rates for the Visa Infinite Credit Card?

Cashback rates include:

3% on online spending in foreign currency and vPost transactions
2% on local online transactions, contactless payments, and mobile wallets (Apple Pay, Google Pay)
1% on all other retail transactions (minimum S$1 per transaction)

Cashback is capped at S$60 per month per account.

3. Is there a minimum spend requirement to earn cashback?

No, the Visa Infinite Credit Card has no minimum spend requirement, making it suitable for low or irregular spenders.

4. What transactions are excluded from earning cashback?

Cashback is not earned on cash advances, recurring payments, tax refunds, tax payments, insurance premiums, and other exclusions as specified by Standard Chartered.

5. What is the annual fee for the Visa Infinite Credit Card?

The annual fee is S$194.40 (including GST), waived for the first two years for new cardholders.

6. What is the interest rate on the Visa Infinite Credit Card?

The interest rate is 26.9% per annum, calculated daily at 0.074%, compounded if the balance is unpaid.

7. What is the cash advance fee?

6% of the transaction amount (minimum S$15), plus a daily finance charge of 0.077% until full repayment.

8. What is the overlimit fee?

An overlimit fee of S$40 is charged if the cardholder exceeds the credit limit.

9. What is the minimum monthly payment?

1% of the current balance or S$50, whichever is higher, plus any overdue amounts.

10. What is the Online Price Guarantee feature?

Reimburses up to S$1,000 per item if you find a lower price on another website within 14 days of purchase, for items paid in full with the Spree Credit Card.

11. Can I convert purchases into instalment plans?

Yes, large transactions can be converted into interest-free monthly instalments, subject to the bank’s terms.

12. Does the card support contactless payments?

Yes, allowing tap and pay at terminals, usually with no signature required for transactions under S$100.

13. Is the Visa Infinite Credit Card compatible with mobile wallets?

Yes, compatible with Apple Pay, Google Pay, and Samsung Pay for secure payments.

14. How many supplementary cards can I apply for?

Up to five supplementary cards are allowed, free for life, sharing the primary card’s benefits.

15. What happened to the SingPost co-branding?

The co-branding ended on April 7, 2023. Existing cardholders receive replacement cards without the SingPost logo starting August 1, 2023, with no change in benefits or card numbers.

List of Standard Chartered Visa Infinite Credit Card Karnataka Bank Branches

Bangalore - M G Road
Bangalore - Koramangala
Bangalore - Indiranagar
Bangalore - Jayanagar
Bangalore - Whitefield

Bangalore - Malleswaram
Bangalore - Banashankari
Bangalore - HSR Layout
Bangalore - Electronic City
Bangalore - Basavanagudi

Bangalore - J P Nagar
Bangalore - Rajajinagar
Karnataka - Bangalore
Mysore - V V Mohalla
Mysore - Saraswathipuram

Mysore - Siddhartha Layout
Karnataka - Mysore
Mangalore - Hampankatta
Mangalore - Kankanady

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