The Priority Visa Infinite is Standard Chartered’s zero-fee card for its Priority Banking clients. It is not sold to the public — it comes with the Priority relationship, which is why a card this well-appointed carries no fee at all.
How to get an invitation
- Qualify for Standard Chartered Priority Banking. The card is a benefit of that segment rather than a standalone product, so the relationship is the whole route.
- Meet Standard Chartered’s published Priority criteria — the bank states a gross monthly income of ₹3,00,000 for this card — and hold your balances with the bank.
- Ask your Priority relationship manager to issue it once you are in the programme; there is no public application form.
What issuers look for
- Standard Chartered Priority Banking relationship
- Gross monthly income ₹3,00,000+ (Standard Chartered’s own published figure)
- Balances/investments held with Standard Chartered
The income figure is the bank’s own, from its terms for the card; the other points are observed patterns.
Issued within Priority Banking only. No joining or annual fee — but the Priority Pass allocation is gated on ₹30 lakh of funds under management in the month of use.
In-depth review
Standard Chartered Priority Visa Infinite Credit Card
A card Standard Chartered gives to its Priority Banking clients rather than sells — no joining fee, no renewal fee, ever. The golf entitlement (2 games, a lesson and a guest game every month) is unusually generous for zero fee, and domestic lounge access is ungated. The earn rate is the problem: about 0.5% back, and a 3.5% forex markup that turns overseas spend into a loss. Take the access; earn somewhere else.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
1.25% on International
5 reward points per ₹100 overseas (about 1.25%). The 3.5% forex markup exceeds this, so overseas spend on this card is a net loss of roughly 2.25% before any other benefit.
0.5% on Other
2 reward points per ₹100 on all spends. SC's 360° Rewards catalogue values 1 RP at ₹0.25 (₹0.20 against statement balance), so this is roughly 0.5% back. Retail fashion earns 5 per ₹100.
Airport Lounge Access
4 domestic visits per quarter via the Visa lounge programme, free for all cardholders. Priority Pass membership is complimentary, but its 2 free visits a month need ₹30 lakh FUM in the month of use.
Golf Privileges
2 complimentary golf games, 1 coaching session and 1 guest game every month at listed domestic courses. Booked only through the SC Priority Concierge — no walk-ins or direct club payment.
Insurance Cover
₹1 crore air-accident cover plus overseas travel cover — USD 25,000 emergency medical, USD 750 baggage loss, USD 200 flight delay, USD 100 baggage delay and USD 100 hijacking. Underwritten by HDFC ERGO.
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
16 visits/yr
Domestic lounges
Priority Pass
International lounges
₹24,000
Estimated annual value
3.5%
Forex markup
- Domestic + international airport lounge access (16 domestic visits/yr, worth ~₹24,000)
- Travel insurance cover included
👑 PREMIUM LIFESTYLE BENEFITS
Concierge, golf, hotel membership and high-value perks for premium cardholders.
₹12,000
Golf perk value
- Complimentary golf access at premium courses
- Travel insurance and accident cover
For someone who is already an SC Priority Banking client and wants the golf and lounge access without paying a fee for it. As a rewards engine it is not competitive with any serious card in the market, so it works best as a benefits card sitting alongside a primary card that actually earns.
Full reward structure
What you earn on every rupee, per spend category — as of 24 Oct 2026. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| International | reward points | 1.25%5 pts/₹100 × ₹0.25 | — |
| Other | reward points | 0.5%2 pts/₹100 × ₹0.25 | — |
International: 5 reward points per ₹100 overseas (about 1.25%). The 3.5% forex markup exceeds this, so overseas spend on this card is a net loss of roughly 2.25% before any other benefit.
Other: 2 reward points per ₹100 on all spends. SC's 360° Rewards catalogue values 1 RP at ₹0.25 (₹0.20 against statement balance), so this is roughly 0.5% back. Retail fashion earns 5 per ₹100.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 24 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | Free |
| Joining fee (incl. 18% GST) | Free |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.5% |
| Cash advance fee | 3% (min ₹300) |
| Add-on card fee | Free |
| Rent payment fee | 1% |
| Reward redemption fee | ₹99 |
Perks & benefits
Estimated annual value beyond rewards — ~₹39,000/yr in total.
4 domestic visits per quarter via the Visa lounge programme, free for all cardholders. Priority Pass membership is complimentary, but its 2 free visits a month need ₹30 lakh FUM in the month of use.
2 complimentary golf games, 1 coaching session and 1 guest game every month at listed domestic courses. Booked only through the SC Priority Concierge — no walk-ins or direct club payment.
₹1 crore air-accident cover plus overseas travel cover — USD 25,000 emergency medical, USD 750 baggage loss, USD 200 flight delay, USD 100 baggage delay and USD 100 hijacking. Underwritten by HDFC ERGO.
Should you get it?
- Best for: Existing SC Priority Banking clients who want the access without a fee, Golfers who will use 2 rounds and a lesson a month, Domestic travellers wanting unmetered quarterly lounge visits, Holding alongside a primary card that does the actual earning
- Premium tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on International (1.25% back).
- Frequent travellers benefit from the included airport lounge access.
Pros & cons
✓ Pros
- No joining fee and no renewal fee in any year
- 2 golf games, a coaching session and a guest game every month — unusually generous for a zero-fee card
- 4 domestic lounge visits per quarter with no spend gate, for primary and supplementary cards separately
- Complimentary Priority Pass membership with the USD 99 card fee waived
- ₹1 crore air-accident cover and USD 25,000 emergency medical cover
- Supplementary cards are free and carry their own lounge and golf entitlements
✕ Cons
- Not open to the public — reserved for Standard Chartered Priority Banking clients
- Roughly 0.5% back on everyday spend, well behind any mainstream rewards card
- The 3.5% forex markup is larger than the 1.25% earned overseas, so international spend loses money
- Priority Pass complimentary visits require ₹30 lakh FUM in the calendar month of use, or each visit costs up to USD 35
- Domestic lounge visits made on the Priority Pass card are chargeable — only the Visa programme visits are free
- Points redeem only into the 360° Rewards catalogue at ₹0.25 each, with a ₹99 handling charge per redemption
Eligibility
Standard Chartered states one eligibility figure for this card: a gross monthly income of ₹3,00,000, set out in its terms for the card. Beyond that there is no public application form, so there is nothing else to qualify for in the usual sense. Meeting the figure makes you someone the bank may offer the card to; it does not open an application.
What actually decides an invitation is the relationship behind it — balances held with the bank, spend on an existing card, and the banking segment you sit in. We set those signals out in how to get an invitation above, labelled for what they are: the one published figure, and observed patterns for the rest.
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁360° Rewards catalogue — vouchers, products and services at 1 reward point = ₹0.25
- 🎁Statement balance credit at 1 reward point = ₹0.20
- 🎁₹99 handling and courier charge applies per reward redemption
What your Standard Chartered Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard redemption
Brand & e-gift vouchers
The Priority Pass complimentary visits are not actually free with the card — they require ₹30 lakh of Funds Under Management with SC, in the same calendar month you use them, or each visit is charged at up to USD 35.
Frequently asked questions
Can anyone apply for the Priority Visa Infinite Credit Card?
Which network is the Priority Visa Infinite on?
What does the Priority Visa Infinite earn?
Is the lounge access really free?
What is the golf benefit?
How has the Standard Chartered Priority Visa Infinite Credit Card changed over time?
Has the Standard Chartered Priority Visa Infinite Credit Card been devalued recently?
When did the Standard Chartered Priority Visa Infinite Credit Card's fees last change?
The bottom line
Free is the right price for this card, and that is not a criticism — it is a relationship perk, not a product you choose. The golf entitlement (2 games, a lesson and a guest game monthly) is genuinely generous and would cost real money on a card that charged for it. But at roughly 0.5% back, with a 3.5% forex markup that makes overseas spend a net loss despite the 1.25% overseas earn rate, nothing here argues for putting spend on it. Take the access, earn elsewhere.
How this page was built
Counted from this card’s own record: 2 earn rules and 3 recorded perks.
Last updated 24 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the Standard Chartered Priority Visa Infinite Credit Card are taken from Standard Chartered's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 24 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for Standard Chartered. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Guides and reviews related to this card.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2019 · last change Apr 2023
2023
- ▼ FeeEffective 2 Apr 2023
1% processing fee on rent payments
No processing fee on rent payments→1% processing fee on all rent/rental payments
Standard Chartered began charging a 1% processing fee on all rental payments made through its credit cards, effective 2 April 2023. This bank-wide change applies to the Priority Visa Infinite, which was already in issue at the time, so cardholders routing rent through the card now pay 1% on each such transaction.
Verification: CardAdvisor Research · Confidence: Reconstructed
2019
- ◆ LaunchEffective 2019
On record as a Priority Banking relationship card
The Priority Visa Infinite is a relationship-gated card conferred on Standard Chartered Priority Banking clients rather than sold on the open market, so its exact launch date is not publicly documented. It is on record on the bank's own site by mid-2019, carrying a zero fee for Priority clients, 2 reward points per ₹100 general spend (5 per ₹100 overseas and on retail fashion), Visa and Priority Pass lounge access, monthly golf games and travel insurance cover.
Verification: CardAdvisor Research · Confidence: Reconstructed
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: <a href="https://cardadvisor.in/cards/sc-priority-visa-infinite#value-timeline">Standard Chartered Priority Visa Infinite Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).