Discover whether this credit option fits your travel and daily spending goals. You’ll get a clear, modern review that highlights rewards, lounge access, and the fees that matter. The focus is on practical value so you can decide quickly.

The card delivers accelerated points on international and retail spends, plus complimentary domestic and international lounge access via Priority Pass. It also includes insurance cover up to Rs. 1 Crore and lifetime free pricing for Priority Banking customers.

The review notes a 3.5% forex markup on overseas transactions and explains how that cost can affect your travel budget. Joining fee is nil and annual fee is nil for qualifying Priority Banking clients.

You’ll learn who benefits most—frequent flyers, Priority Banking members, and those seeking solid rewards on everyday credit use. The guide keeps things practical, so you can weigh strengths like lounge access and accelerated points against trade-offs like forex fees.

Key Takeaways

  • Accelerated rewards on international and retail spends make the card strong for frequent spenders.
  • Complimentary lounge access via Priority Pass boosts travel comfort and convenience.
  • Insurance benefits up to Rs. 1 Crore add meaningful protection for trips and big purchases.
  • 3.5% forex markup can affect overseas costs—factor this into travel budgeting.
  • Joining fee: Nil; annual fee: Nil for Priority Banking customers—check eligibility.

What this Visa Infinite credit card promises for your lifestyle and travel right now

Think of this infinite credit card as a travel-ready wallet that also rewards routine spending. You get accelerated points on international and retail transactions, turning usual purchases into meaningful rewards.

Travel comfort and access: Complimentary domestic and international lounge access via Priority Pass helps you relax or work between flights. That access pairs well with global Visa acceptance for hassle-free payments abroad.

Protection that matters: Insurance coverage up to Rs. 1 Crore adds a safety net for trips and big purchases. This protection helps you travel with more confidence.

The forex markup rate of 3.5% on overseas transactions affects the net value of points earned. If you qualify under Priority Banking, joining and annual fees are Nil, which boosts long‑term value.

  • This card converts everyday and travel transactions into points you can use.
  • Priority Pass lounge access supports smoother transit times.
  • Weigh the 3.5% forex rate against the rewards and insurance benefits.

Who should consider this Standard Chartered Visa Infinite card

For customers with steady income and frequent trips, this product can deliver lasting benefits. It targets people who want premium travel perks and practical everyday value.

If you’re in Priority Banking and want lifetime value: As a Priority client, you get Nil joining and annual fees. That makes long-term ownership of this credit card more compelling and cost-effective.

If you travel often and want lounge access and practical rewards

Frequent travelers gain complimentary domestic and international lounge access via Priority Pass. Cardholders earn accelerated rewards on international and retail spends, turning routine purchases into points you can use.

  • Priority clients: Lifetime free card with clear savings.
  • Frequent travelers: Lounge access and insurance up to Rs. 1 Crore add comfort and protection.
  • Points-focused: Higher earn rates for overseas and retail buys.
  • Non-Priority applicants: Check age (21–65), stable income, and potential fees that affect value.
  • On balances: Pay on time to avoid interest that can offset rewards.

Overall, choose this chartered credit card if Priority privileges or steady travel are central to your lifestyle and goals. It’s best when your spending profile matches the card’s higher-earning categories.

standard-chartered-visa-infinite-card-lifestyle: rewards, points, and everyday value

Your spending mix largely determines how fast you rack up reward points on this credit card. Focused retail and international transactions hit the accelerated tiers, so you earn more when you shop abroad or at qualifying stores.

How you earn: accelerated reward points on international and retail spends

Accelerated points apply to overseas and retail transactions. This setup favors travelers and shoppers who move most of their payment volume into those categories.

Where it’s lighter: base reward rate on other transactions

The base rate on other transactions is lighter. That means everyday or niche spends yield fewer points, so concentrate larger amounts where the card earns best.

How you redeem: turning reward points into real-world value

Reward points accumulate as you spend. You can convert reward points into travel, merchandise, or statement credit depending on the catalog.

“Track your monthly transactions so you can plan redemptions and get the most value.”

  • Prioritize retail and overseas spends to maximize points.
  • Pair big-ticket purchases with the card to boost point totals fast.
  • Pay on time to protect the value of your rewards and avoid interest on any amount due.

Travel advantages: Priority Pass lounge access, insurance, and global spending

This travel package pairs complimentary lounge time with solid protection and a clear overseas fee so you can plan smarter. It combines airport comfort, insurance cover, and transparent terms so you know what to expect when you travel.

Airport comfort: complimentary domestic and international lounge access via Priority Pass

Your airport experience improves with complimentary Priority Pass access across domestic and international lounges. Use quiet seating, refreshments, and reliable Wi‑Fi to work or relax between flights.

Visit entitlements may vary by qualification. If you meet Priority Banking thresholds, your lounge visits can be more generous than simple membership-only access.

priority pass airport access

Peace of mind: insurance benefits up to Rs. 1 Crore

Insurance cover up to Rs. 1 Crore protects eligible trips and certain events. This layer of protection reduces out-of-pocket risk when travel interruptions or losses occur.

Check policy limits, covered events, and claim steps so you know how the protection works before you travel.

Know the cost: 3.5% forex markup on overseas transactions

Note the 3.5% forex markup on overseas transactions. That rate affects the net value of reward points and total international spending.

“Compare the forex fee against the rewards you earn to decide when to use this credit card abroad.”

  • Enroll and activate your Priority Pass before travel to ensure lounge access.
  • Redeem reward points for travel where it offsets costs and complements lounge and insurance perks.
  • For large overseas purchases, compare the forex markup with alternative payment methods to protect value.

Fees, rates, and key terms you should review before you apply

Before you apply, make sure you understand the fees and rates that shape the real cost of this credit card.

Annual and joining costs

Priority Banking customers get Nil joining and annual fees. If you are not in Priority, a joining fee or annual fee may apply. Factor this into your yearly card cost.

Finance charges and revolving balances

The finance rate is 3.75% per month (45% per year) on outstanding balances. If you carry a balance, interest compounds fast. Paying in full each month avoids this fee.

Cash advances and immediate costs

Cash withdrawals carry a 3% cash advance fee (minimum Rs. 300). Interest often begins immediately, so using cash from ATMs is costly.

Late payment charges by outstanding amount

  • Up to Rs. 100: Nil
  • Rs. 101–Rs. 500: Rs. 100
  • Rs. 501–Rs. 5,000: Rs. 500
  • Rs. 5,001–Rs. 10,000: Rs. 700
  • Above Rs. 10,000: Rs. 1,200

“Set up automatic payment and avoid cash advances to protect rewards from eroding under fees and interest.”

Review the full terms from the chartered bank before you apply. Estimate the monthly amount you can repay so the credit card fits your budget over the year.

Eligibility, income, and Priority Banking criteria that affect your approval

Qualifying for the best pricing and perks depends on clear financial markers and the relationship you build with the bank.

Priority Banking thresholds make a big difference. If you have a Monthly Average Funds Under Management (FUM) of Rs. 30 Lakh, a monthly salary credited of Rs. 3 Lakh, or a mortgage approved for Rs. 2 Crore, you stand a strong chance of receiving priority pricing and benefits.

What applies if you are not in Priority

Non-Priority applicants typically must be between 21 and 65 years old and show a stable monthly income. Expect possible joining and annual fees that Priority clients often avoid.

  • Approval factors: income, repayment capacity, and your credit score determine credit limits.
  • Documentation: accurate proof of salary or FUM speeds evaluation and reduces delays.
  • Relationship value: consolidating accounts with Standard Chartered Bank or a chartered bank can strengthen your proposition for chartered priority access.

Review the terms and terms conditions before you apply. If you are close to thresholds, consider building income or FUM first—qualifying for priority can lower your long‑term fees and raise the value of this credit card and Visa benefits over the year.

How to apply, track your application, and set up your card

You can apply online in minutes or visit a branch for hands-on help to get your new credit product started. The choice depends on how quickly you need the card and whether you want in-person support.

Apply online or at a branch: documents and steps

Apply online through the bank’s official website by filling the form and uploading proof of identity, address, and income. This is often the fastest path to approval.

Prefer face-to-face? Visit a branch and an executive will review your documents and guide you through the process.

Check your application status via the bank’s website or customer care

After submission, track status with your application number on the bank’s site. You can also call credit card customer care for real‑time updates.

  • Prepare ID, address proof, and income proof to reduce follow-ups.
  • Activate the card once approved, enroll in Priority Pass if eligible, and set up mobile banking.
  • Configure auto‑payment, align your billing cycle with cash flow, and monitor transactions for accurate payment.
  • Read terms and any introductory offers at onboarding so you maximize value from day one.

“Track your application and activate the card promptly to begin earning rewards and managing payments with confidence.”

Conclusion

This premium credit choice rewards targeted spending and gives meaningful travel protections. If you qualify for Priority Banking, the standard chartered package reduces fees and makes the visa infinite experience more valuable.

Use the card for international and retail transactions to earn more points. Balance that gain against the 3.5% forex rate and any payment fee you might face.

For frequent travel, the priority pass lounge access and insurance up to Rs. 1 Crore add real convenience. Stay responsible: avoid cash advances, pay on time, and limit carried balance to protect rewards.

If those benefits match your habits, apply through standard chartered bank or a branch when you meet eligibility. Otherwise, compare other chartered credit card offers to find a better fit for your year ahead.

FAQ

What lifestyle and travel benefits does the Standard Chartered Visa Infinite card offer right now?

You get premium travel perks like Priority Pass lounge access, accelerated reward points on international and retail spending, and comprehensive travel insurance. The card targets frequent travelers and high-value spenders who want airport comfort, priority services, and practical redemption options for points.

Who should consider this Visa Infinite card?

You should consider it if you’re in Priority Banking seeking lifetime value or if you travel often and want lounge access, travel protection, and elevated rewards on overseas and retail transactions. It’s aimed at customers with higher spend and those who value travel convenience.

How do you earn reward points with this card?

You earn accelerated points on international and specified retail spends, with a lower base rate for other transactions. Bonus categories and partner offers can increase earning potential, so prioritize eligible purchases to maximize rewards.

How can you redeem points and what value do they deliver?

You can redeem points for flight and hotel bookings, retail vouchers, and statement credits. Redemption rates vary by option, so check the rewards catalog to get the best value for travel or retail redemptions.

What airport lounge access is included?

The card provides complimentary access to domestic and international lounges via Priority Pass. The number of free visits may depend on your membership tier or promotional offers, so confirm eligible visits before travel.

What insurance coverage comes with the card?

The card includes travel insurance benefits that can cover medical emergencies, trip delays, and baggage loss up to specified limits. Certain plans list coverage up to Rs. 1 Crore for eligible events—review the policy terms for exclusions and required documentation.

What foreign exchange charges apply to overseas transactions?

Overseas spends carry a forex markup of 3.5% on the transaction value. This fee is applied to card transactions in foreign currencies and on international merchant sites billed in other currencies.

Are there annual or joining fees for Priority Banking customers?

Priority Banking customers often receive lifetime fee waivers for annual and joining fees. If you don’t qualify for Priority Banking, standard fee schedules may apply—check your eligibility and current fee offers before applying.

What finance charges will you face on outstanding balances?

Finance charges are applied monthly on unpaid balances at about 3.75% per month, which annualizes to roughly 45% if you carry balances continuously. Paying the statement balance in full avoids these interest charges.

How costly is a cash advance with this card?

Cash advances incur a fee of 3% with a minimum charge (for example, Rs. 300). Interest on cash withdrawals starts immediately, making cash advances an expensive option compared with purchases.

What are the late payment charges if you miss a due date?

Late payment fees are tiered by outstanding balance. Charges increase with the amount overdue, so paying at least the minimum due on time helps you avoid higher fees and potential impact on your credit score.

What Priority Banking criteria affect approval for this card?

Approval often depends on Priority Banking thresholds such as Funds Under Management, minimum salary, or mortgage relationship with the bank. Meeting these criteria can unlock fee waivers and premium services tied to Priority status.

If you aren’t in Priority Banking, what eligibility rules apply?

Non-Priority applicants must meet age and stable income requirements, and they may face standard annual fees. The bank assesses credit history, income proof, and repayment capacity when processing applications.

How do you apply for the card and what documents are required?

You can apply online or visit a branch. Typical documents include valid ID, proof of address, income proof such as salary slips or bank statements, and PAN card. Follow the online form or branch checklist to submit documents accurately.

How can you track your application status?

Track your application via the bank’s website or mobile app using your reference number, or call customer care. The bank will also notify you by email or SMS about key status updates and card dispatch details.