Standard Chartered Priority Visa Infinite Credit Card Review
Author And Publisher: Gyro 3.oStandard Chartered Priority Visa Infinite Credit Card
Financial Expert Advice
Choose Your First (or Next) Credit Card Wisely
Maintain Two Credit Cards: One For Routine Expenses And Auto-Debits, And Another Reserved For Emergencies. Avoid Pursuing Rewards; Prioritize Financial Stability And Discipline.
Standard Chartered Priority Visa Infinite Credit Card Review: Unlimited Global Lounges, Premium Travel Insurance, and Priority Banking Privileges
introduction
Standard Chartered Priority Visa Infinite credit card is positioned as an exclusive lifestyle card for Priority Banking customers, offering complimentary membership and bespoke privileges tailored to affluent clients. It focuses on premium features such as enhanced 360° rewards on overseas and fashion spends, extensive domestic and international lounge access via Visa Infinite and Priority Pass, and complimentary overseas insurance including INR 1 crore air accident cover and USD 25,000 medical insurance. Along with contactless payments, digital payment solutions, robust online security, and a full suite of repayment options, the card is designed to deliver a comprehensive premium banking and travel experience for high-value customers.
key features and benefits
Complimentary for Priority relationship
The privileges of the Priority Visa Infinite credit card are complimentary for our Priority Banking clients.
Reward Structure
- Earn 5 reward points for every INR 100 spent overseas or on retail fashion.
- Earn 2 reward points for every INR 100 on all other spends.
Priority Pass membership
- Access to international airport lounges worldwide at a nominal change.
Airport Lounge Access
- 4 complimentary access per calendar quarter on domestic Lounges in India (using your Priority Visa Infinite Credit Card).
- 2 complimentary access per month at international lounges (with Priority Pass) for FUM Qualified Clients.
insurance Perks
- complimentary overseas air accident cover of INR 1 Crore.
- medical insurance worth USD 25,000.
Additional Perks
Extend the credit card benefits to up to 2 family members. Spread the joy with them!
Use contactless credit card & enjoy complete freedom cash transaction with faster checkouts & secure payments.
Enjoy enhanced security for online transactions on your credit card through 3D secure OTP Verification.
Avail wide range of instant payment solutions like BharatQR, Bharat Bill Payment Solution (BBPS) & Samsung Secure Pay.
With Kuch bhi on EMI option, convert your big spends above ₹ 2,000 to easy EMI through online banking or SC Mobile. Get attractive pricing & flexible tenure options.
Get loan up to ₹ 5,00,000 on your credit card with flexible tenure from 12 to 60 months.
Transfer card balance from other bank credit cards up to ₹ 5,00,000 at attractive interest rate.
card essentials
Type:- Reward's Points
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Welcome Benefits:- ----
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Joining Fee :- LTF
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Annual Fee:- LTF
Reward Structure:- Rewards on SPENDS
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Renewal Benefit:- n/a
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Interest Rate:- 3.75% pm (45% p.a.)
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Forex Mark-up:- 3.5% + TAXS
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Cash Advance Charges:- 3% of withdrawal amount, minimum of ₹300
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Over Limit Charges:- 2.5% of overlimit amount, minimum of ₹500
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Wallet Transactions Charges:- ----
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Rental Transactions Charges :- 1% + GST
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Utility Transactions Charges:- ----
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Education Fee Payment Charges:- ----
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Railway Ticket Purchase Fee:- 2.5% or ₹25
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Fuel Surcharge Waiver:- 1% or ₹10
Practical Considerations
Fees & Charges Summary
- annual fee: nil
- Joining fee: nil
- forex: 3.5% + taxes.
- interest: 3.75% per month (45% p.a).
Age between 21-65 years with stable monthly income.
Must reside in bank's credit card sourcing cities/locations.
All applications subject to bank's credit and policy checks.]
Identity Proof: Passport, Voter ID, Govt ID, or any photo ID.
Others: PAN Card, Address Proof, 1 recent passport-sized photo.
Salaried: Latest 1-month salary slip.
Self-Employed Businessmen: Latest ITR with income computation/certified financials + business continuity proof.
Self-Employed Professionals: Latest ITR +.
Redemption Options
360° Rewards Portal (R360)
Platform: Via SC's 360° Rewards website or mobile app; also direct statement credit request.
Conversion Ratio: 1 Reward Point = ₹0.20–₹1.00 (varies by redemption category and card tier).
Accumulate 10,000+ Points: Batch redemptions to minimize per-point fee impact (₹99/10,000 = ₹0.01/point cost).
Prioritize Travel Packages: Travel redemptions offer 2–3x value vs. generic merchandise (₹1/point vs. ₹0.20/point).
Leverage Visa Infinite Hotel Collection: Redeem points for upgrades at Visa Infinite partner hotels (often 1.5–2x per-point value).
Statement Credit Fallback: Use direct bill credit for guaranteed value if no attractive catalog options available.
No Expiry Advantage: Points never expire; accumulate multi-year for high-value redemptions
Ideal User Profile
Affluent professionals, C-suite executives, entrepreneurs.
Frequent international travelers with 8+ trips yearly, quarterly business/leisure.
Lifestyle-focused HNIs valuing exclusive experiences, relationship banking.
Final Thoughts
Strengths
Unlimited Priority Pass access to 1,300+ lounges in 150+ countries, worth ₹40,000+ yearly for frequent travelers.
Comprehensive travel insurance with ₹1 crore air accident cover, USD 25K medical.
Premium banking integration with preferential loan/deposit/insurance rates for Priority clients.
Lifetime-free supplementary cards with full lounge, insurance, Priority pass access.
Flexible features like ₹0 EMI processing fee, balance transfer, dial-a-loan.
Limitations
for Priority Banking clients with ₹5+ crore assets.
Standard 3.5% forex markup trails 0–2% rivals.
Limited domestic lounge access versus superior international network.
45% p.a. revolving interest erases benefits on carried balances.
CDMS EXPERT ADVICE
Even with a zero annual fee, a Priority Visa Infinite card can create serious cash‑flow stress if large limits are used without a clear repayment plan. Treat this as a convenience and travel tool, not a source of long‑term borrowing, and avoid revolving balances at ~45% p.a. interest. For high-limit cardholders juggling multiple EMIs or outstanding dues, structured repayment and consolidation support from cashon.cards can help protect both lifestyle and credit health.
This review offers a clear and balanced overview of The Standard Chartered Priority Visa Infinite Credit Card’s strengths and limitations, helping readers make an informed choice about whether this card fits their
Spending Habits And Financial Goals.
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