The Standard Chartered Visa Infinite Card is positioned as a premium miles-earning credit card designed for affluent travelers seeking luxury travel perks and rewarding earn rates. Cardholders enjoy up to 1.4 miles per dollar (mpd) on local spend and up to 3 mpd on foreign currency spend with a minimum monthly spend of S$2,000 to qualify for these bonus rates. The card also offers 6 complimentary Priority Pass lounge visits per year and up to S$1 million in complimentary travel insurance. 

Since its positioning in the premium segment, this card targets high-income individuals who regularly spend on travel and lifestyle. With a hefty annual fee of S$599.50 and an income requirement of S$150,000, it sits among the elite travel credit cards in Singapore, comparable to offerings by HSBC and Citi.

Key highlights include:

• Strong overseas earn rate: Earn up to 3 miles per dollar on foreign currency transactions when you meet the S$2,000 monthly spend requirement.

• Competitive local earn rate: Get up to 1.4 miles per dollar on local spend, also subject to the S$2,000 monthly spend threshold.

• Luxury lounge access: Enjoy 6 complimentary Priority Pass lounge visits per year at over 1,700 airports worldwide.

• Comprehensive travel insurance: Receive complimentary travel insurance coverage of up to S$1 million when you charge your full travel fare to the card.

• Exclusive welcome bonus: New applicants can earn up to 35,000 welcome miles — or up to 50,000 miles with limited-time promotions.

• Points that never expire: 360º Rewards Points earned on the card have no expiry, giving you flexibility to accumulate and redeem at your pace.

• Premium privileges: Access Visa Luxury Hotel Collection perks such as complimentary breakfast, room upgrades (where available), and VIP guest status.

• Concierge support: 24/7 Visa Concierge service to assist with travel, dining, and lifestyle arrangements.

The Standard Chartered Visa Infinite Card stands out for its impressive miles earn rates and elite travel privileges including Priority Pass memberships and substantial travel insurance coverage. The card is tailored for frequent travelers who can meet the minimum monthly spend to fully utilise bonus miles. 

However, the high, non-waivable annual fee and significant minimum income requirements put it out of reach for many. This card is well suited for those seeking luxury travel experiences and who value concierge services and comprehensive travel protection. Alternatives like HSBC Visa Infinite or Citi Prestige may appeal to travelers with slightly different priorities or spending patterns.

• Convert your balance by 31 Aug 2025 to a 60-month instalment plan and receive S$60 cashback, plus enjoy a 100% fee waiver when converting retail transactions into 6-month instalments.

• Apply by 30 Sep 2025 and spend a minimum S$2,000 within 60 days of card approval to receive 25,000 miles, plus pay the first-year annual fee of S$599.50 to unlock another 25,000 miles (total 50,000 miles).

Rewards and perks

Fees

Eligibility

The Standard Chartered Visa Infinite Card has been established as a premium travel and lifestyle credit card for high-income individuals seeking elite privileges. Over time, the card has maintained its focus on rewarding miles earn rates combined with luxury perks such as Priority Pass access and comprehensive travel insurance, positioning itself as a competitor to other Visa Infinite and premium travel cards in the market. Recent enhancements include stronger welcome mile promotions and targeted lifestyle benefits for Priority Banking clients.

• The annual fee of S$599.50 is non-waivable.

• Minimum spend of S$2,000 monthly is mandatory to earn bonus miles rates.

• Priority Banking clients enjoy reduced income requirements.

• 360º Rewards Points earned on taxes and select financial products never expire.

• Points pooling from other Standard Chartered cards to this card is restricted.

The Standard Chartered Visa Infinite Card charges a fixed annual fee of S$599.50 that is non-waivable, regardless of your annual spend. This sets it apart from some other premium credit cards that offer annual fee waivers upon meeting minimum spending thresholds.

However, cardholders can still optimise their miles earning potential by using platforms such as CardUp to pay bills or income tax, effectively "purchasing" miles.

For example, suppose you use CardUp to pay a total of S$60,000 in income tax or other expenses over the year. Assuming a CardUp promotional fee of 1.85%, the costs and benefits would be:

• CardUp fee: S$1,110 (S$60,000 × 1.85%)

• Miles earned: Approximately 84,840 miles (calculated at 1.4 miles per dollar on the total S$61,110, including fees)

• Annual fee: S$599.50 (must be paid, no waiver available)

In this scenario, spending S$61,110—fees included—earns you roughly 84,840 miles, which can be redeemed for travel rewards and benefits.

Valuing these benefits:

• Miles (valued at 1.5 cents per mile): ~S$1,272

• Priority Pass lounge visits (6 visits at S$35 each): ~S$210

• Travel insurance and concierge services: additional intangible value

Total approximate value: S$1,482 (excluding intangible travel benefits).

While the lack of an annual fee waiver may reduce appeal for some, frequent travellers who maximise their miles earning and premium privileges can still derive considerable value from the Standard Chartered Visa Infinite Card.

Standard Chartered Visa Infinite cardholders earn 360º Rewards Points, which can be redeemed for frequent flyer miles or other rewards. The way points accrue is straightforward and designed to reward both local and foreign currency spending.

• Local spend: You earn 1.4 miles per S$1 spent, provided you meet the minimum monthly spend of S$2,000 to qualify for the bonus earn rate. If the minimum spend is not met, the base earn rate is 1 mile per dollar.

• Foreign currency spend: Earn 3 miles per S$1 spent on overseas transactions when the minimum spend condition is satisfied, otherwise 1 mile per dollar.

• Points crediting: 360º Rewards Points are usually credited within a few days after the transaction posts.

Miles earning occurs at the transaction level, converted from 360º Rewards Points with a fixed transfer ratio. Points convert to miles based on:

• Transfer ratio: 2,500 Rewards Points = 1,000 miles

Points are awarded in whole numbers only, so fractional point earnings are always rounded down, which can slightly reduce the effective miles per dollar rate for small transactions.

Example calculation:

For a local spend of S$37.99 (assuming you meet the minimum spend):

The spend amount is eligible for the bonus rate, so:

• 37.99 × 1.4 = 53.18 miles

Points would accrue in line with the conversion ratio above, and redemptions must be made in minimum blocks (typically 25,000 points = 10,000 miles for KrisFlyer).

Because miles transfers require these minimum blocks, you'll need to save up sufficient 360º 

Rewards Points before redeeming for airline miles. Smaller balances may require further spend before redemption.

This approach offers flexibility for high spenders, and ensures that all local and overseas spend contributes towards air miles, subject to rounding and minimum transfer policies.

Earn rates at a glance

• Local spend: 1.4 miles per dollar

• Foreign currency spend: 3 miles per dollar

• Conversion: 2.5 points per S$1

Bonus spend categories

No specific evergreen bonus categories, but occasional promotions may boost earn rates temporarily.

Comparison to other cards

Standard Chartered offers a leading earn rate on foreign currency spend within its peer group but requires a higher spend threshold.

Standard Chartered features

• Expiry: 360º Rewards Points earned on the Standard Chartered Visa Infinite Card do not expire as long as your card account is open and in good standing.

• Pooling: Points can be pooled across eligible Visa Infinite and Journey cards for redemption. Points from other Standard Chartered cards cannot be pooled with Visa Infinite card points, due to different redemption categories.

• Cancellation impact: If you cancel your Standard Chartered Visa Infinite Card, any unused 360º Rewards Points tied to that card will be forfeited. Always redeem your points before cancelling your card.

360º Rewards Points conversion

• Transfer minimum: Minimum block for KrisFlyer miles is 25,000 points = 10,000 miles. Other airline and hotel partners usually allow transfers in smaller blocks (typically 2,500–5,000 points = 1,000 miles/points).

• Transfer fees: Conversions are processed through the 360º Rewards Redemption Platform; check the platform as fees may apply depending on the partner, but cash redemptions and e-vouchers do not incur additional charges.

• Partners and transfer time: You can transfer 360º Rewards Points to KrisFlyer, Asia Miles, Qantas Frequent Flyer, and other major programmes. KrisFlyer transfers typically require 5–7 working days to process.

H3 How 360º Rewards Points are credited

• Credit timeframe: Points are credited within 7 days, usually reflected in your statement soon after each transaction is posted.

• Points calculation: Local spend at S$1 earns 2.5 points per dollar (which is equivalent to 1 mile, or 1.4 miles with bonus rate if minimum S$2,000 spend is met).

• Rounding: Points are awarded, redeemed, and transferred in whole numbers only, rounded down for partial transactions.

360º Rewards Points expiry

• Standard Chartered Visa Infinite: Points do not expire while your card account is open and in good standing.

• Other SCB cards: May have different expiry policies; for most, points expire after 3 years.

Points accumulation examples

Illustrative values; actual miles may vary with bonus rates and transaction rounding.

Other important details

• When redeeming, SCB may deduct points closest to expiry first (if applicable).

• Cash redemptions, e-vouchers, and other non-miles rewards are also available via the online redemption platform.

• Only principal cardholders whose accounts are open, valid and in good standing can redeem points.

Transfer partners

Standard Chartered Visa Infinite cardholders can convert points to:

• KrisFlyer (Singapore Airlines)

• Asia Miles

• Multiple other airline and hotel partners.

The SCB Visa Infinite does not support automatic KrisFlyer transfers; all conversions are manual via the 360º Rewards Redemption Platform.

Conversion ratios

Transfer costs

A $25 fee for miles transfer via SCB's reward platform. Check partner details for any indirect fees or minimum transfer blocks.

Minimum transfer amount

Transfers to KrisFlyer require blocks of at least 25,000 points (10,000 miles). Most other partners accept smaller blocks.

Transfer time

• KrisFlyer: 5–7 working days

• Other partners may vary.

Points expiry

• Visa Infinite: Points do not expire if the card account remains active.

• Transferred miles: Once conversion is complete, miles follow the respective partner programme’s expiry rules (e.g. KrisFlyer miles expire after 3 years).

Transfer issues to watch out for

Always check your rewards balance and eligibility before redeeming or transferring points. Once points are redeemed or transferred, the transaction is irrevocable.

Foreign currency fees

The Standard Chartered Visa Infinite Card charges a 3.5% foreign currency fee on overseas transactions. This fee reduces the value of miles earned, but with an earn rate of 3 miles per S$1 foreign currency (subject to minimum S$2,000 spend), the card delivers a competitive cost per mile for frequent travellers.

Cost per mile for overseas transactions

Factoring in the 3.5% FCY fee, miles cost works out to about 1.23¢ per mile when using platforms such as CardUp with a promo rate.

Comparison of foreign currency fees by issuer

Recommendations

Use SC Visa Infinite for overseas transactions to maximise both earn rates and luxury travel perks. The card works best for travellers who benefit from lounge access, insurance, and expedited miles accumulation.

Income tax payment facility

SCB Visa Infinite cardholders can pay income tax via CardUp or similar platforms to earn miles, usually at 1.4 mpd with a processing fee (promo rates around 1.75%), giving a competitive cost per mile.

Comparison with other providers

When comparing income tax payment options across providers, the Standard Chartered Visa Infinite card stands out for its competitive earn rate and lower cost per mile when payments are made via platforms like CardUp. With a cost per mile of ~1.25¢, it is generally more efficient than most banks’ in-house payment facilities, such as that of DBS Vantage, which comes with a higher fee and cost per mile. 

For those aiming to maximise air miles through bill payments, leveraging third-party services with Standard Chartered Visa Infinite ensures both strong mileage accumulation and better overall value for your spend.

Priority Pass membership

Standard Chartered Visa Infinite cardholders receive 6 complimentary Priority Pass lounge visits per year. These visits can be used at over 1,700 airport lounges worldwide, providing a premium airport experience. Visits can be shared with guests, but each guest visit consumes one lounge entitlement. 

Additional visits beyond the complimentary six are charged at US$35 per visit. While this allocation is more limited than some competitors, it still offers valuable lounge access for frequent travellers.

Travel insurance

The card offers up to S$1 million in complimentary travel insurance coverage when the full travel fare is charged to the card. This insurance provides protection against travel inconveniences like medical emergencies, trip cancellations, and baggage issues, enhancing peace of mind for cardholders overseas.

Visa Infinite luxury privileges

Cardholders enjoy exclusive benefits through the Visa Luxury Hotel Collection, including automatic room upgrades (subject to availability), complimentary breakfast, VIP guest status, and dining credits at participating luxury hotels across the Asia-Pacific region. The card also provides 24/7 Visa Concierge service to assist with travel, dining, and lifestyle arrangements.

Supplementary cards

Up to four supplementary cards are issued free of charge, allowing family members to benefit from the card’s privileges without additional fees.

Overseas spending promotions

Standard Chartered Visa Infinite cardholders can occasionally look forward to targeted overseas spending promotions, usually timed around peak holiday seasons or special campaigns. These promotions may boost the base earn rate of 3 miles per S$1 on foreign currency transactions, giving travellers even greater mileage returns when spending abroad.

To qualify, cardholders typically need to register for the promotion and meet a minimum spend requirement. Bonus miles are often subject to caps, or limited to specific categories such as air tickets, overseas retail, or dining.

Recurring promotions

Beyond seasonal campaigns, Standard Chartered also collaborates with partners to roll out recurring lifestyle and travel promotions. These can range from bonus miles on selected categories, to cashback offers, dining privileges, or hotel discounts. While not permanent features, cardholders can expect one or two such promotions each year.

Because mechanics and eligibility differ across campaigns, it’s important to check the Standard Chartered promotions page or app for the latest updates. Doing so ensures you don’t miss out on bonus miles or exclusive privileges that can significantly enhance your card’s value.

The Standard Chartered Visa Infinite Card is a premium miles credit card designed for affluent travellers who can consistently meet the minimum monthly spend of S$2,000. It offers strong earn rates of up to 1.4 miles per dollar locally and 3 miles per dollar on foreign currency transactions, complemented by solid travel perks such as six Priority Pass lounge visits and comprehensive travel insurance.

While the card charges a steep non-waivable annual fee of S$599.50 and has a high income requirement of S$150,000 annually (reduced to S$30,000 for Priority Banking customers), it delivers substantial value to those who leverage its benefits fully. However, if your primary goal is to maximise miles at the lowest cost or to gain unlimited lounge visits, other premium cards like HSBC Visa Infinite or DBS Vantage might be better suited.

In summary, the StanChart Visa Infinite is best for professionals or regular travellers who appreciate a blend of strong miles earning and luxury travel privileges without an overly complicated rewards scheme.