Standard Chartered Priority Visa Infinite Credit Card: Credit Card with Lounge Access & No Annual Fee

Standard Chartered Priority Visa Infinite Credit Card: Credit Card with Lounge Access & No Annual Fee

Best No-Fee Card for Airport Lounge Access

Good for

  • International Travellers
  • Domestic travellers
  • Airport lounge enthusiasts
  • Standard Chartered Priority Customers

Bad for

  • Individuals looking for high rewards for overall spending
  • High spenders
  • Non-priority banking customers

Editor's Rating

3.5/5.0

The Standard Chartered Priority Visa Infinite Card is the best no-fee option that offers airport lounge access. For instance, the cardholders receive 4 domestic lounge visits per quarter and are granted access to over 1,000 international airport lounges with unlimited access for only a nominal fee, depending on the type of Priority Pass membership the cardholder selects. The card also earns a rewards rate of 1.19% (5 points per Rs. 100, 1 point = 0.53 InterMiles = ~ Rs. 0.24) on all overseas and retail spending, adding good value to those who travel abroad often. However, due to the relatively low overall rewards rate (0.48; 2 points per Rs. 100, 1 point = ~ Rs. 0.24) and stringent eligibility requirement of being a priority banking customer, the Standard Chartered Visa Infinite is a very attractive option for frequent travellers seeking out a no-fee card.

ProsCons
  • 4 domestic airport lounge visits per quarter
  • Priority Pass membership (access to over 1,300 airport lounges)
  • 1.19% rewards rate on overseas spending (above average)
  • Below average rewards rate for all other spending
  • Must be a priority banker to be eligible for this card
Card Overview
Pros:
  • 4 domestic airport lounge visits per quarter
  • Priority Pass membership (access to over 1,300 airport lounges)
  • 1.19% rewards rate on overseas spending (above average)
Cons:
  • Below average rewards rate for all other spending
  • Must be a priority banker to be eligible for this card

What Makes the Standard Chartered Priority Visa Infinite Card Stand Out?

The Standard Chartered Priority Visa Infinite Card is a great no-fee option for travellers; however, it is not for everyone. The card is the best no-fee option for Standard Chartered Priority banking customers looking to acquire a credit card that offers both global and domestic lounge access. Other consumers should consider alternative options. The Priority Visa Infinite card offers lounge access to over 1,000 international airports with a nominal fee, depending on the Priority Pass membership selected by the cardholder. Additionally, the cardholder will receive access to 4 domestic lounge visits per quarter.

Additionally, the Standard Chartered Priority Visa Infinite Card also earns cardholders a solid rewards rate of 1.19% (5 points per Rs. 100, 1 point = 0.53 InterMiles = ~ Rs. 0.24) on overseas spending and retail. The rate is above average for overseas rewards when compared to all cards across India. Unfortunately, cardholders also earn a lower 0.48% rewards rate (2 points per Rs. 100, 1 point = ~ Rs. 0.24) on general spending. As a result, this is a great card for priority banking customers at Standard Chartered looking for a no-fee card for overseas spending and lounge access.

  • Must be with Standard Chartered for 12 months to be eligible -
  • The minimum monthly average funds under management must be Rs. 1,500,000
  • OR
  • Minimum monthly salary credit to their Standard Chartered salary account must be Rs. 150,000
  • OR
  • The mortgage approved has to be of at least Rs. 1 Crore in the first year of commencement of being a priority customer, and then maintaining a mortgage outstanding balance of above Rs. 1 crore.

How Does the Standard Chartered Priority Visa Infinite Credit Card’s Rewards Program Work?

The Standard Chartered Priority Visa Infinite Credit Card has a rewards program that allows cardholders to receive points as rewards for all spending categories. The card offers elevated rewards for overseas spending and retail with cardholders earning 5 points per Rs. 100 spent on the respective categories. Cardholders also earn a 2 points per Rs. 100 spent on all other spending categories. The card has a redemption rate of 1 point = 0.53 InterMiles = ~ Rs. 0.24. Through the 360º Rewards system used at Standard Chartered, cardholders can redeem points that expire after 3 years of receiving them with a 4,000 point cap per month.

  • Cardholder earns 5 reward points on every Rs. 100 spent on overseas spending and retail
  • Cardholder earns 2 reward points on every Rs. 100 spent on all other spending categories
  • Points redemption rate: 1 point = 0.53 InterMiles = ~ Rs. 0.24
  • Accumulated points expire after 3 years
  • Maximum 360º rewards points of 4,000 points per month

Standard Chartered Standard Chartered Priority Visa Infinite Credit Card's Features and Benefits:

Card Overview
  • Annual Fee: No-Fee
  • Income Requirement: None listed by issuer
  • Age Requirement: 21-65
Rewards Rate Details
  • 5 reward points on every Rs. 100 spent on overseas spending and retail
  • 2 reward points on every Rs. 100 spent on all other spending categories
  • Points redemption rate: 1 point = 0.53 InterMiles = ~ Rs. 0.24
Benefits & Perks
  • 4 domestic lounge visits per quarter
  • Lounge access to over 1,000 international airports with a nominal fee
  • Overseas air accident insurance of Rs. 1.2 crore and medical insurance worth USD 25,000

Standard Chartered Standard Chartered Priority Visa Infinite Credit Card Rewards Exclusions

The following credit card expenditures are ineligible for rewards:

Cash Advances or cash withdrawals at ATMsAnnual fees charged for the cards
Interest or finance charges levied on card outstandingLate payment and collection charges
Fees and charges levied and reversed from card accountsCharges incurred but not yet submitted by the merchant or posted to your credit card account
Amounts which have been rolled over from preceding month's outstandingTax refunds from overseas purchases
Pay portion for a Points Plus Pay Rewards Points redemption (where you use Rewards Points along with paying a specific amount to redeem the reward)Balance transfer to your Card Account, purchase or top up of prepaid cards.

How Does Standard Chartered Priority Visa Infinite Credit Card Compare Against Other Cards?

Read our comparisons of the Standard Chartered Priority Visa Infinite Credit Card:

Standard Chartered Priority Visa Infinite Card vs. Standard Chartered Ultimate Card

Consider this if you the best overall cashback card

Age Requirement 21-65
Annual Income Requirement None listed by issuer

The Standard Chartered Ultimate Card is a great card for those looking for the top cashback rate across all spending categories. It offers cardholders 3.33% on general spending (5 points per Rs. 150 spent; 1 point = Rs. 1), the highest overall rewards rate by any cashback card. On the other hand, the Standard Chartered Priority Visa Infinite Card offers a relatively low rewards rate of 0.48% (2 points per Rs. 100, 1 point = ~ Rs. 0.24) on general spending. However, it also offers an elevated rate of 1.19% (5 points per Rs. 100, 1 point = 0.53 InterMiles = ~ Rs. 0.24) on overseas spending and retail. Furthermore, unlike the SC Ultimate card, the Standard Chartered Priority Visa Infinite offers 4 domestic airport lounge visits and Priority Pass membership for a small fee, making it useful for overseas travellers, but still earns less than the SC Ultimate Card. If you are interested in a great card for overall rewards then the Ultimate Card is good; however, if you are interested in lounge access we would recommend the Visa Infinite Card.

Standard Chartered Priority Visa Infinite Card vs. Citibank Rewards Card

Consider this if you are looking for a no-fee shopping card

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer

The Citibank Rewards Card is a great option for consumers interested in a low-fee shopping rewards card. The Citi Rewards Card has a Rs. 1,000 annual fee that can be waived with annual spends of only Rs. 30,000. The card also has a retail rewards rate of 2.80% (10 points per Rs. 125 spent, 1 point = Rs. 0.35), making it useful for avid shoppers, higher than the Standard Chartered Priority Visa Infinite Card’s retail and overseas rewards rate of 1.19% (5 points per Rs. 100, 1 point = 0.53 InterMiles = ~ Rs. 0.24). However, in terms of general spending, the Visa Infinite Card’s 0.48% (2 points per Rs. 100, 1 point = ~ Rs. 0.24) is higher than the 0.28% rewards rate (1 points per Rs. 125 spent, 1 point = Rs. 0.35) offered by Citibank Rewards. Due to these factors, if you are looking for a low-fee shopping card and are not a SC priority banking customer, we would recommend the Citibank Rewards Card

Standard Chartered Priority Visa Infinite Card vs. HSBC Visa Platinum Card

Consider this if you want a great no-fee card with good perks

Age Requirement 18-65
Annual Income Requirement Rs. 400,000

The HSBC Visa Platinum Card is a great option for those that are interested in acquiring a card that offers great entertainment perks. For instance, the Visa Platinum Card has great dining perks that offer up to 15% off at restaurants across India. The card also has good movie perks through BookMyShow vouchers where cardholders can receive Rs. 500 for every Rs. 50,000 spent in a month, whereas the Standard Chartered Priority Visa Infinite Card’s perks are focused on lounge access (4 domestic lounge and Priority Pass membership (costs a fee)). If you are interested in food and movie perks the HSBC Visa Platinum might suit you well; however, if you are interested in better rewards and airport lounge perks, we would recommend the SC Priority Visa Infinite Card.

Sahmi Chowdhury

Sahmi is a Junior Research Analyst specialising in credit cards and insurance in India. He previously worked in the financial services sector at Brown Brothers Harriman and True Capital Management.