Standard Chartered Visa Infinite Card is the bank’s top-tier offering, positioned above the Manhattan card. However, despite the “Infinite” label, its benefits are modest compared with other premium cards. It still offers useful features—especially if issued without an annual fee—so existing Standard Chartered customers who meet the bank’s high eligibility criteria may consider requesting an upgrade. Below is a clear summary of its key benefits and features.
Standard Chartered Visa Infinite Credit Card
Standard Chartered Visa Infinite Card Benefits:
Airport lounge access
The card provides lounge access through two distinct programs: the Visa Infinite lounge program and Priority Pass. Benefits with this card include:
- Visa Infinite benefit: 4 complimentary airport lounge visits per quarter.
- Priority Pass benefit: Complimentary membership only; individual visits are chargeable at approximately $27 per access.
Reward points and earn rates
Rewards are earned on card spends as follows:
- 5 reward points for every Rs.100 on retail fashion, supermarkets and overseas transactions.
- 2 reward points for every Rs.100 on all other categories.
- Approximate point value: ~0.30 INR per point.
Translated to cash-equivalent rates, the 5X categories deliver roughly a 1.5% return, while other categories yield approximately 0.6%. That places the overall reward profile closer to mid-tier cards rather than top-tier premium cards.
Other benefits
- Complimentary travel and medical insurance up to USD 200,000 for overseas travel.
- Promotional welcome bonus: 12,000 bonus points for spending over Rs.10,000 per month in the first three months (time-limited offer).
- Promotional Uber benefit: 20% cashback on Uber rides, up to Rs.600 per month (time-limited offer).
Standard Chartered Visa Infinite Credit Card Features:
- CardExpert rating: 3.5/5
- Reward rate: Approximately 0.6% to 1.5%
- Joining fee: Free for Standard Chartered Priority Banking customers
- Fuel surcharge waiver: Yes
- Complementary airport lounge access: Yes—4 visits per quarter via Visa lounges
- Foreign exchange markup fee: 3.5% plus applicable service tax
- Special benefit: 20% off on Uber (promotional)
Overall, the card’s standout features are the Visa lounge access and select promotional benefits such as the Uber discount and welcome bonus when available. Outside of those, the card does not deliver the high reward rates or exclusive privileges often expected from a top-tier “Infinite” product. If the card is offered with no annual fee, it can be worth keeping for the lounge access and occasional promotional spikes that increase effective rewards during festive or limited-time offers. If an annual fee applies, evaluate whether the lounge visits, insurance coverage and any active promotions justify the cost.
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