The Standard Chartered Priority Visa Infinite Credit Card is a premium credit card available exclusively to Priority Banking customers of Standard Chartered Bank. To qualify for Priority Banking, you need to maintain either:

• Minimum ₹50 Lakh monthly average Funds Under Management (FUM), or
• Minimum ₹3 Lakh monthly salary credit into a Standard Chartered Salary Account

The card is powered by the Visa Infinite network, offering access to global acceptance and premium Visa benefits. It combines travel rewards, lounge access, lifestyle privileges, and comprehensive insurance coverage - all provided complimentary to Priority Banking customers.

The card offers tiered reward points through Standard Chartered's 360 Rewards programme:

• 5 reward points per ₹100 on overseas transactions
• 5 reward points per ₹100 on retail fashion purchases
• 2 reward points per ₹100 on all other spends

Each reward point is valued at ₹1 when redeemed for shopping vouchers from popular brands like Croma, Nykaa, and Shoppers Stop. Points expire after 3 years from accumulation.

Airport Lounge Access

Complimentary access to airport lounges across India and internationally:

• Domestic: 4 complimentary lounge visits per calendar quarter using your Priority Visa Infinite card
• International: Priority Pass membership (worth USD 99) with 2 free visits per month for FUM-qualified customers (₹30 Lakh FUM required)
• Access to over 1,000 airport lounges globally through Priority Pass

Golf Privileges

Exclusive golf benefits organized by Golflan Technology Solutions:

• 2 complimentary golf games per month at select domestic golf courses
• 1 complimentary golf coaching session every month

Insurance Coverage

Comprehensive travel and accident insurance provided by HDFC ERGO:

• Air Accident Cover: ₹1 Crore for loss of life in air accidents
• Emergency Medical: USD 25,000 for overseas medical expenses
• Baggage Delay: Up to USD 100 (USD 10 per hour, min 12-hour delay)
• Baggage Loss: Up to USD 750 for lost baggage and personal documents
• Flight Delay: Up to USD 200 (USD 10 per hour, min 12-hour delay)
• Hijacking Cover: USD 75 every 6 consecutive hours, up to USD 100

Lifestyle Benefits

• 24x7 global personal concierge services
• Discounts and offers through Standard Chartered Good Life programme
• Kuch Bhi on EMI: Convert purchases above ₹5,000 to easy EMIs
• Contactless payments for faster, secure transactions
• Lifetime free supplementary cards for family members

• Complimentary Card: Lifetime free for Priority Banking customers - no joining or annual fees ever
• Priority Pass Membership: Complimentary Priority Pass membership worth USD 99 providing access to 1,000+ international airport lounges
• Immediate Lounge Access: 4 domestic lounge visits per quarter from day one
• Golf Privileges: Start enjoying 2 complimentary golf games and 1 coaching session per month immediately
• Insurance Activation: ₹1 Crore air accident cover and USD 25,000 medical insurance active upon card issuance

FUM-Based Benefits

Additional benefits unlock when you maintain ₹30 Lakh Funds Under Management:

• 2 complimentary international lounge visits per month via Priority Pass (vs paid visits otherwise)
• This qualification is assessed monthly at individual account level

No Spend-Based Milestones

Unlike many premium cards, the Priority Visa Infinite does not have spend-based milestone rewards or annual fee waiver requirements. The card remains completely free for life as long as you maintain your Priority Banking status.

The Priority Visa Infinite Credit Card provides 4 complimentary domestic lounge visits per calendar quarter. Simply swipe your card at participating domestic airport lounges across India to gain access. This benefit is available to all cardholders without any FUM requirements.

International Lounge Access via Priority Pass

Cardholders receive complimentary Priority Pass membership valued at USD 99, providing access to over 1,000 airport lounges worldwide. However, the complimentary visits are subject to FUM qualification:

• FUM-Qualified Customers (₹30 Lakh+): 2 complimentary international lounge visits per month
• Non-Qualified Customers: Pay USD 27 per visit when using Priority Pass

The FUM qualification is assessed at individual account level, and the card must be active in the calendar month of usage. You can find participating lounges and manage your Priority Pass membership at www.prioritypass.com.

Terms & Conditions

• Domestic lounge access is per calendar quarter (Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec)
• International lounge visits reset monthly for FUM-qualified customers
• Guest charges may apply as per lounge policy
• Lounge access subject to availability and individual lounge terms

The Standard Chartered Priority Visa Infinite uses the 360 Rewards programme with tiered earning rates:

Accelerated Categories (5 points per ₹100):

• Overseas Transactions: All international purchases earn 5x rewards
• Retail Fashion: Purchases at fashion retail stores earn 5x rewards

Base Category (2 points per ₹100):

• All other retail spends earn 2x rewards

Excluded Categories (0 points):

• Fuel transactions
• Cash advances and cash equivalents
• EMI transactions
• Wallet loads (Paytm, PhonePe, etc.)
• Rent payments
• Government and insurance payments

Point Valuation

1 reward point = ₹1 when redeemed through the 360 Rewards programme. This gives you:

• 5% value back on overseas and fashion spends (5 points × ₹1 = ₹5 per ₹100)
• 2% value back on other retail spends (2 points × ₹1 = ₹2 per ₹100)

Redemption Options

Shopping Vouchers:

Redeem points for gift vouchers from popular brands including:

• Croma (electronics)
• Nykaa (beauty and wellness)
• Shoppers Stop (fashion and lifestyle)
• Other retail partners in the 360 Rewards catalogue

Charity Donations:

Use your reward points for charitable contributions through the Standard Chartered online portal.

Reward Points Expiry

Reward points expire 3 years from the date of accumulation. Make sure to redeem your points before they expire to maximize value.

Redemption Process

1. Log in to Standard Chartered online banking or mobile app
2. Navigate to the 360 Rewards section
3. Browse the rewards catalogue
4. Select your preferred reward and redeem points
5. Note: A redemption fee of ₹99 applies per redemption transaction

Interest Charges

Transaction Fees

Late Payment Charges

Other Charges

• Age: Between 21 and 65 years
• Banking Relationship: Must be a Standard Chartered Priority Banking customer
• Credit Score: Minimum 730 CIBIL score (ideally 750+)
• Income (Salaried): ₹3 Lakh monthly salary credit (₹36 Lakh annual)
• Income (Self-Employed): ₹15 Lakh annual income minimum
• Residency: Indian citizen with valid address proof

Priority Banking Qualification

To become eligible for this card, you must first qualify for Standard Chartered Priority Banking by meeting one of these criteria:

• Maintain minimum ₹50 Lakh monthly average Funds Under Management (FUM) with the bank, or
• Have a Standard Chartered Salary Account with minimum ₹3 Lakh monthly salary credit, or
• Meet specific mortgage outstanding criteria based on your city

Additional Criteria

• Stable source of income with good repayment capacity
• Clean credit history with no recent defaults
• Residence in cities/locations where Standard Chartered offers credit cards
• All applications subject to credit and policy checks of the bank

• PAN Card (mandatory for all credit card applications)
• Aadhaar Card
• Passport
• Voter ID Card
• Government-issued Photo ID

Address Proof (Any One)

• Aadhaar Card
• Passport
• Driving License
• Voter ID Card
• Recent utility bill (electricity, phone, gas) - not older than 3 months
• Bank account statement from other banks (last 3 months)
• Rental agreement (if residing in rented accommodation)

Income Proof

For Salaried Individuals:

• Latest one month salary slip
• Bank statement showing salary credit (last 3 months)
• Form 16 or latest IT Returns (for higher credit limits)

For Self-Employed Businessmen:

• Latest Income Tax Returns with computation of income
• Audited financial statements or certified financials
• Business continuity proof (registration certificate, GST certificate, etc.)

For Self-Employed Professionals:

• Latest Income Tax Returns
• Business continuity proof (practice certificate, professional registration)
• Bank statements showing business income

Photographs

• 1-2 recent passport-sized color photographs

Priority Banking Documentation

Since this card is exclusively for Priority Banking customers, you may also need to provide proof of FUM or salary credit to demonstrate Priority Banking eligibility if not already a member.

Since this card is exclusively for existing Priority Banking customers, the application process is streamlined:

1. Visit the Standard Chartered Priority Visa Infinite card page: www.sc.com/in/credit-cards/priority-banking-visa-infinite/
2. Click on the 'Apply Now' button
3. You will be prompted to contact your Relationship Manager as the card is exclusively for Priority Banking clients
4. Your RM will guide you through the application and documentation process
5. Submit required documents (details below)
6. Wait for credit approval (typically 9 days if documents are complete)

For Non-Priority Banking Customers

If you're not yet a Priority Banking customer, you need to first open a Priority Banking account by meeting the FUM or salary credit requirements. Once approved for Priority Banking, you can then apply for this credit card.

Branch Application

Alternatively, visit any Standard Chartered branch, speak with your Priority Banking Relationship Manager, and complete a physical application form. The RM will assist with documentation and application submission.

Approval Timeline

If all submitted documents and details meet the bank's guidelines, Standard Chartered typically approves the credit card within approximately 9 working days.

The Standard Chartered Priority Visa Infinite Credit Card occupies a unique niche in India's premium credit card landscape. As a complimentary offering for Priority Banking customers, it delivers solid value through lounge access, golf privileges, and comprehensive insurance coverage - all without the burden of annual fees that plague most premium cards.

However, it's essential to view this card in context. The 2% base reward rate is underwhelming compared to competitors like HDFC Infinia (3.3%) or Axis Magnus (6%+ on partners). The 3.5% forex markup is particularly disappointing for a card positioned around travel benefits. International lounge access, while available, requires an additional ₹30 Lakh FUM qualification beyond the ₹50 Lakh already needed for Priority Banking.

Best suited for: Priority Banking customers who want a zero-fee premium card for occasional use, golf enthusiasts who value the 2 games/month benefit, and those who prioritize complimentary lounge access over reward optimization. The ₹1 Crore insurance coverage and 24x7 concierge also add meaningful value for affluent travelers.

Not recommended for: Reward maximizers, frequent international travelers (due to high forex markup), or those seeking high-value milestone benefits. If you're not already a Priority Banking customer, the ₹50 Lakh FUM or ₹3 Lakh monthly salary requirement makes this card accessible only to a select few - and that segment likely has better alternatives.

In summary, the Priority Visa Infinite succeeds as a no-cost value-add for Priority Banking members, but falls short when compared to purpose-built reward cards like Magnus or Infinia. Accept it as a complimentary perk of your banking relationship rather than as your primary spending card.