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Credit Card Review: Standard Chartered Visa Infinite X Card

Cover Review 2

Here’s our review of the Standard Chartered Visa Infinite X credit card issued in Singapore. It forms part of our series of credit card reviews, which are all summarised on our dedicated Credit Cards page.

Dollar amounts refer to SGD, and ‘miles’ refer to KrisFlyer miles, except where stated. This review was updated on 2nd January 2020.

Key features


Annual fee: $695.50/yr
EIR/APR: 26.9%
Sign-up bonus: 30,000 miles
Local earn rate: 1.2 miles per $1
Overseas earn rate: 2.0 miles per $1
Foreign transaction fee: 3.5%
Minimum Age: 21
Minimum income: $80,000/yr*
* Priority/Private Banking customers: S$30,000/yr (Singaporean/PR) or S$60,000/yr (Foreigner)


Annual fee

One of the more expensive cards on the market – the X card will set you back $695.50 each year (including the first year). Since the annual fee is not optional in year one, we expect this will most likely be the case in subsequent years too.


Sign-up bonus

When it launched, this card had one of the most generous sign-up bonuses ever seen of 100,000 miles. However that has since ended and the ongoing bonus Standard Chartered is offering is:

  • 30,000 KrisFlyer miles “Upfront Gift Promotion”: for activating your card within 30 days and paying the annual fee of S$695.50, and provided your card is approved by 31st December 2019.

That’s equivalent to ‘buying’ miles at 2.32 cents each, significantly above our upper limit to buy of 1.9 cents each.

The upfront gift of 30,000 miles will be awarded within 30 days of your X card activation date. For example if your card is activated on 31st January 2020 you’ll see this first bonus in your account by 1st March 2020.


Is there an annual renewal bonus?

Contractually no, but we have both