Standard Chartered Priority Banking Visa Infinite Credit Card

Name: Standard Chartered Priority Banking Visa Infinite Credit Card
Brand: Standard Chartered
Availability: InStock
Rating: 3.5 (1 reviews)

Overview

Standard Chartered's Priority Banking Visa Infinite Credit Card comes at zero cost for existing Priority Banking clients. There is no joining fee and no annual fee, making it one of the most accessible Visa Infinite cards in India for qualifying customers. The 360 Rewards program earns 5 points per ₹100 spent overseas or on retail fashion purchases, and 2 points per ₹100 on all other retail transactions. Points are redeemable through the 360 Rewards online catalog for flights, hotels, vouchers, and merchandise.Lounge access stands out as the card's strongest feature. Visa gives 4 complimentary domestic visits per calendar quarter, totaling 16 per year across major Indian airports. For international travel, Priority Pass membership gives up to 2 complimentary visits per month at 1,300+ lounges worldwide. This international lounge benefit requires the cardholder to maintain ₹30 lakh in funds under management at an individual account level.Travel protection is solid. The card carries complimentary air accident insurance of ₹1 crore and emergency medical cover of USD 25,000 during overseas trips, both underwritten by HDFC ERGO. Baggage delay, baggage loss, flight delay, and hijacking covers add further protection for international travelers.Eligibility requires an active Priority Banking relationship with Standard Chartered, which typically means maintaining ₹25 lakh or more in funds under management. The primary applicant must be between 21 and 65 years old and reside in a city where Standard Chartered sources credit cards. Supplementary cards are free for life.

Pros

↑No joining or annual fee since the card is complimentary for all Priority Banking relationship holders
↑5 reward points per ₹100 on overseas and retail fashion spending gives a strong effective return through the 360 Rewards catalog
↑Up to 40 lounge visits annually (16 domestic via Visa, 24 international via Priority Pass) at zero cost for the card itself

Cons

↓Requires an existing Priority Banking relationship, which typically needs ₹25 lakh or more in funds under management with Standard Chartered
↓International lounge access via Priority Pass requires meeting a separate ₹30 lakh FUM qualification each calendar month
↓No accelerated reward categories beyond overseas and retail fashion, with all other spends earning only 2 points per ₹100

Key Highlights

Welcome Offer
No joining or annual fee for Priority clients
Complimentary for all Priority Banking relationship holders
No spend condition needed to maintain zero fee
Supplementary cards also free for life
Priority Banking typically requires ₹25 lakh FUM

Reward Rate
5 RP per ₹100 overseas, 2 RP per ₹100 other
5 reward points per ₹100 on overseas and retail fashion
2 reward points per ₹100 on all other retail spends
Redeemable via 360 Rewards online catalog
No annual cap on reward points earned

Minimum Salary
Priority Banking relationship required
Age: 21 to 65 years for primary cardholder
Must be existing Priority Banking client
Stable monthly income required
Available in Standard Chartered sourcing cities

Joining Fee
Nil joining fee (Priority Banking exclusive)
Complimentary card for Priority Banking clients
No joining fee or activation charges
No first-year fee under any condition
Priority Banking FUM requirement applies

Annual Fee
Nil annual fee (always complimentary)
Annual fee is Nil every year
No spend threshold needed for waiver
Card remains free as long as Priority relationship is active
GST not applicable on zero fee

Why Choose?
16 domestic and up to 24 international lounges
4 domestic visits per quarter via Visa (16/year)
2 international visits per month via Priority Pass
International access needs ₹30 lakh FUM qualification
Access to 1,300+ lounges in 148 countries

Key Benefits

Lifestyle

★3.0

▼

360 Rewards catalog for redeeming points on experiences and products
Kuch Bhi on EMI: convert purchases above ₹5,000 to installments
Dial-a-Loan facility of up to ₹5 lakh on the credit card
Balance on EMI conversion with zero processing fee
Digital payments via BharatQR, BBPS, and Samsung Pay

Premium

★4.0

▼

Visa Infinite tier card with global Visa Infinite privileges
Complimentary for all Priority Banking relationship holders
No service handling charges for phone banking and branch services
Dedicated Priority Banking support and relationship manager
Free lifetime supplementary cards for family members

Reward Points

★4.0

▼

5 reward points per ₹100 on overseas and retail fashion spending
2 reward points per ₹100 on all other retail transactions
Redeemable through the 360 Rewards online catalog
Points can be used for flights, hotels, vouchers, and merchandise
No annual cap on total reward points earned

Travel

★4.0

▼

Air accident insurance cover of ₹1 crore for all cardholders
Emergency medical expenses covered up to USD 25,000 during overseas travel
Baggage delay cover of USD 100 (after 12-hour delay)
Loss of baggage and personal documents covered up to USD 750
Flight delay cover of USD 200 (after 12-hour delay)

Airport Lounge Access

▼

4 complimentary domestic lounge visits per calendar quarter (16 per year)
Up to 2 complimentary international visits per month via Priority Pass
Priority Pass membership included at no additional cost
Access to 1,300+ lounges across 148 countries worldwide
International visits require ₹30 lakh FUM qualification at individual account level

Detailed Information

Joining Fee	No joining fee (complimentary for Priority Banking clients)
Annual Fee	No annual fee (complimentary for Priority Banking clients)
Annual Fee Waiver	Not applicable, fee is always Nil for Priority Banking clients
Monthly Percentage Rate	3.75%
Annual Percentage Rate	45%
Minimum Monthly Payment	5% of outstanding or ₹250, whichever is higher
Foreign Currency Markup	3.5%
Late Payment Charges	Up to ₹1,200 based on outstanding balance
Overlimit Charges	₹500 or 2.5% of overlimit amount, whichever is higher
Cash Advance Fee	3% of amount (min ₹300)
Balance Transfer Fee	Up to ₹5 lakh from other bank credit cards at attractive interest rates
Fee For Supplementary Card	Nil (free for life)
Card Replacement Fee	₹250 per replacement
Fee For Duplicate Statement	₹125 per statement
Fee For Cheque Bounce	₹500

Age Requirement Salaried	21-65 years
Age Requirement Self Employed	21-65 years
Minimum Annual Income Salaried	Priority Banking relationship required (stable monthly income)
Minimum Annual Income Self Employed	Priority Banking relationship required (stable monthly income)
Minimum Credit Score	Subject to credit and policy checks of the bank

Identity Proof	Passport Voter ID Card Government ID PAN Card (mandatory)
Address Proof	Aadhaar Card Passport Driving License Election/Voter's ID Card
Income Proof Salaried	Latest 1 month salary slip Bank statement (if required) Form 16 or ITR (if required)
Income Proof Self Employed	Latest IT Returns with computation of income Certified financials (for businessmen) Business continuity proof

Frequently Asked Questions

The joining fee is Nil. This card is complimentary for all Standard Chartered Priority Banking clients, so there is no joining or activation charge.

The annual fee is also Nil. As long as you maintain your Priority Banking relationship with Standard Chartered, the card remains free every year with no spend conditions needed for a waiver.

You earn 5 reward points per ₹100 spent on overseas transactions and retail fashion purchases. All other retail spends earn 2 reward points per ₹100. Points are accumulated through the Standard Chartered 360 Rewards program and can be redeemed via the online catalog.

You can redeem reward points through the Standard Chartered 360 Rewards online catalog. Log in to the 360 Rewards portal to browse options including flights, hotel stays, vouchers, and merchandise. A handling charge of ₹99 applies per redemption for courier and processing.

You get 4 complimentary domestic lounge visits per calendar quarter, totaling 16 visits per year. These are accessed by presenting your Priority Banking Visa Infinite Credit Card directly at participating domestic lounges.

You get up to 2 complimentary international lounge visits per month via Priority Pass, totaling up to 24 per year. This benefit requires FUM (Funds Under Management) qualification of ₹30 lakh at an individual account level, with both the primary and supplementary credit cards being active in the calendar month of usage.

To access complimentary international lounge visits via Priority Pass, you must maintain ₹30 lakh in Funds Under Management at an individual account level with Standard Chartered. The credit card (both primary and supplementary) must also be active in the calendar month you use the lounge. Without FUM qualification, you can still visit international lounges at a nominal charge.

The card includes complimentary air accident insurance of ₹1 crore (accidental death, air accidents only) and travel insurance covering emergency medical expenses up to USD 25,000. Travel insurance also covers baggage delay (USD 100), loss of baggage (USD 750), hijacking (USD 100), and flight delay (USD 200). Both policies are underwritten by HDFC ERGO General Insurance.

Yes. Supplementary cards are free for life with no joining or annual fee. You can extend the benefits of your card to family members by getting them lifetime free supplementary credit cards.

The minimum amount due is the highest of: (a) 5% of the statement outstanding, (b) the sum of all installments billed, interest, fees, other charges, overlimit amount, and 1% of principal, or (c) ₹250. Any unpaid minimum from the previous month gets added to the current month's minimum.

The monthly interest rate is 3.75%, which annualizes to an APR of 45%. This rate applies to all revolving balances and cash transactions. If you pay the full outstanding by the due date each month, no interest is charged on retail purchases.

Late payment charges are based on outstanding balance: ₹0 for up to ₹100, ₹100 for ₹101 to ₹500, ₹500 for ₹501 to ₹5,000, ₹700 for ₹5,001 to ₹10,000, ₹800 for ₹10,001 to ₹25,000, and ₹1,200 for above ₹25,000. An extra ₹100 fee applies if minimum payment is missed for 2 or more consecutive months.

All overseas transactions carry a 3.5% transaction fee. This includes charges paid to Visa for converting overseas transactions into INR. Transactions at merchant establishments registered overseas (even if the merchant is located in India) attract a 1% charge from Visa, which is included in the transaction amount on your statement.

Yes. Through the Kuch Bhi on EMI feature, you can convert any purchase above ₹5,000 to easy monthly installments via online banking or SC Mobile. Flexible tenure options are available with attractive pricing.

ATM cash withdrawals attract a fee of 3% of the withdrawal amount, with a minimum charge of ₹300. Cash transactions also attract an interest rate of 3.75% per month (45% APR) from the date of the transaction.

You must be an existing Priority Banking client of Standard Chartered. The applicant's age should be between 21 and 65 years, with a stable monthly income. You must reside in a city where Standard Chartered sources credit cards. All applications are subject to credit and policy checks.

You need identity proof (Passport, Voter ID, or Government ID), PAN Card (mandatory), address proof (Aadhaar, Passport, Driving License, or Voter ID), and one passport-sized photograph. Salaried applicants need their latest 1 month salary slip. Self-employed applicants need latest IT returns and business continuity proof.

No specific fuel surcharge waiver is available on this card. Petrol pump transactions attract a surcharge of ₹10 or 1% of the transaction amount, whichever is higher. The surcharge rate may vary depending on the acquiring bank.

Rent payments on MCC 6513 attract a processing fee of 1% of the transaction amount plus applicable taxes. This fee is over and above any charges applied by the merchant and is levied by the 15th of the following calendar month.

The card supports contactless payments via Visa payWave, BharatQR for QR-based transactions, Bharat Bill Payment Solution (BBPS) for utility payments, and Samsung Pay. Online transactions are secured with 3D Secure OTP verification.

The over-limit fee is ₹500 per instance or 2.5% of the over-limit amount, whichever is higher (minimum ₹500).

You must notify Standard Chartered immediately. In metros (Ahmedabad, Bangalore, Chennai, Delhi, Hyderabad, Kolkata, Mumbai, Pune), call 3940 4444 or 6601 4444. For Gurgaon and Noida, call 011-39404444. For other cities, use the toll-free number 1800 345 1000.

Subject to complete and accurate documentation, it takes approximately 9 days to get your credit card approved. Since this is a Priority Banking product, your relationship manager can help expedite the process.

Yes. The Dial-a-Loan feature lets you borrow up to ₹5 lakh on your credit card with flexible tenure from 12 to 60 months. You can also convert your entire outstanding (up to ₹5 lakh) into EMIs using the Balance on EMI feature with zero processing fee.

The card runs on the Visa Infinite network, which is Visa's highest tier. It is accepted globally at all Visa merchants and gives access to Visa Infinite tier privileges and offers worldwide.

Overview

Pros

Cons

Key Highlights

Key Benefits

Detailed Information

Frequently Asked Questions

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Cons