Standard Chartered Priority Visa Infinite Credit Card
This card is not sold, it is conferred: Standard Chartered reserves it for Priority Banking clients, and the qualifying criteria in its terms is a gross monthly income of ₹3,00,000. There is no joining fee and no renewal fee in any year. What you get is access rather than earnings — 4 domestic lounge visits a quarter through the Visa lounge programme, complimentary Priority Pass membership, 2 golf games plus a coaching session and a guest game every month, ₹1 crore of air-accident cover and USD 25,000 of emergency medical cover. What you do not get is a competitive reward rate: 2 reward points per ₹100 on general spend, 5 per ₹100 overseas and on retail fashion, and SC's standard 360° Rewards catalogue values a point at ₹0.25. That works out to roughly 0.5% back on everyday spend.
✦ How to get this card →
Key features
What this card is built to do — the highlights that actually matter.
1.25% on International
5 reward points per ₹100 overseas (about 1.25%). The 3.5% forex markup exceeds this, so overseas spend on this card is a net loss of roughly 2.25% before any other benefit.
0.5% on Other
2 reward points per ₹100 on all spends. SC's 360° Rewards catalogue values 1 RP at ₹0.25 (₹0.20 against statement balance), so this is roughly 0.5% back. Retail fashion earns 5 per ₹100.
️ Airport Lounge Access
4 complimentary visits per quarter at domestic and international airport lounges
Golf Privileges
2 complimentary golf games, 1 coaching session and 1 guest game every month at listed domestic courses. Booked only through the SC Priority Concierge — no walk-ins or direct club payment.
️ Insurance Cover
₹1 crore air-accident cover plus overseas travel cover — USD 25,000 emergency medical, USD 750 baggage loss, USD 200 flight delay, USD 100 baggage delay and USD 100 hijacking. Underwritten by HDFC ERGO.
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| International | reward points | 1.25% | — |
| Other | reward points | 0.5% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | Free |
| Joining fee (incl. 18% GST) | Free |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.5% |
| Cash advance fee | 3% (min ₹300) |
| Add-on card fee | Free |
| Rent payment fee | 1% |
| Reward redemption fee | ₹99 |
Perks & benefits
Estimated annual value beyond rewards — ~₹33,000/yr in total.
️ lounge access ~ ₹18,000 /yr
4 domestic visits per quarter via the Visa lounge programme, free for all cardholders. Priority Pass membership is complimentary, but its 2 free visits a month need ₹30 lakh FUM in the month of use.
golf ~ ₹12,000 /yr
2 complimentary golf games, 1 coaching session and 1 guest game every month at listed domestic courses. Booked only through the SC Priority Concierge — no walk-ins or direct club payment.
️ insurance ~ ₹3,000 /yr
₹1 crore air-accident cover plus overseas travel cover — USD 25,000 emergency medical, USD 750 baggage loss, USD 200 flight delay, USD 100 baggage delay and USD 100 hijacking. Underwritten by HDFC ERGO.
Should you get it?
Best for: Existing SC Priority Banking clients who want the access without a fee, Golfers who will use 2 rounds and a lesson a month, Domestic travellers wanting unmetered quarterly lounge visits, Holding alongside a primary card that does the actual earning
Premium tier — a solid all-rounder for steady monthly spend.
Strongest value if you spend heavily on International ( 1.25% back).
Frequent travellers benefit from the included airport lounge access.
✓ Pros
- No joining fee and no renewal fee in any year
- 2 golf games, a coaching session and a guest game every month — unusually generous for a zero-fee card
- 4 domestic lounge visits per quarter with no spend gate, for primary and supplementary cards separately
- Complimentary Priority Pass membership with the USD 99 card fee waived
- ₹1 crore air-accident cover and USD 25,000 emergency medical cover
- Supplementary cards are free and carry their own lounge and golf entitlements
✕ Cons
- Not open to the public — reserved for Standard Chartered Priority Banking clients
- Roughly 0.5% back on everyday spend, well behind any mainstream rewards card
- The 3.5% forex markup is larger than the 1.25% earned overseas, so international spend loses money
- Priority Pass complimentary visits require ₹30 lakh FUM in the calendar month of use, or each visit costs up to USD 35
- Domestic lounge visits made on the Priority Pass card are chargeable — only the Visa programme visits are free
- Points redeem only into the 360° Rewards catalogue at ₹0.25 each, with a ₹99 handling charge per redemption
Eligibility
SC publishes no eligibility criteria for this card — no minimum income, no age band, no credit-score floor, and no document checklist. That is not an oversight on our part: the card is issued strictly by invitation, there is no public application form, and so there is nothing to qualify for in the usual sense. Any specific salary figure you see quoted for it elsewhere has been inferred by a third party, not stated by the bank.
What actually decides an invitation is the relationship behind it — balances held with the bank, spend on an existing card, and the banking segment you sit in. We set those signals out in how to get an invitation above, labelled for what they are: observed patterns, not published criteria.
How to redeem rewards
Ways to convert what you earn into real value.
🎁 360° Rewards catalogue — vouchers, products and services at 1 reward point = ₹0.25
🎁 Statement balance credit at 1 reward point = ₹0.20
🎁 ₹99 handling and courier charge applies per reward redemption
What your Standard Chartered Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Statement credit BEST Standard redemption
Gift voucher catalogue BEST Brand & e-gift vouchers
The concern The Priority Pass complimentary visits are not actually free with the card — they require ₹30 lakh of Funds Under Management with SC, in the same calendar month you use them, or each visit is charged at up to USD 35.
The bottom line
As a zero-fee relationship perk for Priority Banking clients, the Priority Visa Infinite delivers solid lifestyle value through its complimentary golf allotment (2 rounds, a coaching lesson, and a guest game each month) and regular domestic lounge access. However, its reward structure is weak: a 0.5% domestic return and a 3.5% foreign currency markup that wipes out the 1.25% international earn rate make it unsuitable as a primary spending driver. Cardholders should leverage the complimentary access privileges while directing day-to-day spending to higher-yielding cards.
Sources & verification
Fees, reward rates, and benefits for the Standard Chartered Priority Visa Infinite Credit Card are taken from Standard Chartered 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 16 Aug 2026 . Reviewed by Devchandra Sah . Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for Standard Chartered . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2019 · 2 changes · last change Apr 2023
▲ Revaluation ▼ Devaluation ◆ Neutral / reversed
2023 1 change — 1 cut
▼ Fee Effective 2 Apr 2023
1% processing fee on rent payments
No processing fee on rent payments → 1% processing fee on all rent/rental payments
Standard Chartered began charging a 1% processing fee on all rental payments made through its credit cards, effective 2 April 2023. This bank-wide change applies to the Priority Visa Infinite, which was already in issue at the time, so cardholders routing rent through the card now pay 1% on each such transaction.
Verification: CardAdvisor Research · Confidence: Reconstructed
2019 1 change — 1 neutral
◆ Launch Effective 2019
On record as a Priority Banking relationship card
The Priority Visa Infinite is a relationship-gated card conferred on Standard Chartered Priority Banking clients rather than sold on the open market, so its exact launch date is not publicly documented. It is on record on the bank's own site by mid-2019, carrying a zero fee for Priority clients, 2 reward points per ₹100 general spend (5 per ₹100 overseas and on retail fashion), Visa and Priority Pass lounge access, monthly golf games and travel insurance cover.
Verification: CardAdvisor Research · Confidence: Reconstructed
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: Standard Chartered Priority Visa Infinite Credit Card value timeline — CardAdvisor
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Quick summary
Type Premium credit card
Reward rate 0.5%–1.25%
Best for Existing SC Priority Banking clients who want the access without a fee
Joining fee Free
Annual fee Free
Reviewed by
Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade
Last verified 16 Aug 2026
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