Here’s our review of the Standard Chartered Visa Infinite 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 22nd May 2026.
| SC Visa Infinite | |||
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50,000 welcome miles |
3 mpd FCY spend |
6 lounge visits |
| APPLY HERE | |||
| SC Visa Infinite | ||
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50,000 welcome miles |
3 mpd FCY spend |
6 lounge visits |
| APPLY HERE | ||
Mainly Miles Says
A competitive uncapped 3 mpd earn rate for foreign spend used to be the headline reason to hold this card, but Maybank’s Horizon Visa Signature and World Mastercard now match or beat it on cost per mile, with lower spend thresholds and a fraction of the annual fee.
The income tax payment deal has been devalued, the welcome bonus is now slow to be paid, and with the Beyond Card sitting above it in Standard Chartered’s own portfolio, it’s hard to see the SCVI’s appeal over competitors in the high income category.
| Pros | Cons |
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Eligibility
- Age: 21 to 65
- Minimum Income: S$150,000/yr
The Standard Chartered Visa Infinite card has a S$150,000 per year income requirement for all applicants, except for Priority Banking (minimum AUM S$200,000) or Priority Private (minimum AUM S$1.5 million) customers, who have a reduced income threshold of:
- Singapore Citizens / PRs: S$30,000/yr
- Employment Pass Holders: S$60,000/yr
Annual Fees & Interest Rates
- Annual Fee (principal): S$599.50
- Annual Fee (supplementary): Free (up to five cards)
The annual fee for the Standard Chartered Visa Infinite card is S$599.50. The annual fee is not waivable.
Up to five supplementary cards can be added to your account for free.
Other fees and interest rates for the Standard Chartered Visa Infinite card include:
- EIR: 27.9%
- Interest-free period: At least 22 days
- Minimum payment: 1% (capped at S$50)
- Late payment fee: S$100
- Cash advance fee: 8% (min. S$15)
- Overlimit fee: S$40
Sign-up bonus
The Standard Chartered Visa Infinite card currently offers a sign-up bonus of 50,000 miles when signing up and paying the non-waivable first year annual fee, then spending S$2,000 within the first 60 days of card approval.
- 25,000 miles (62,500 Rewards Points) upon payment of the S$599.50 annual fee, and
- 25,000 miles (62,500 Rewards Points) with a minimum eligible spend of S$2,000 within the first 60 days of card approval
Both new and existing Standard Chartered credit card holders are eligible for the bonus.
Even if you don’t place any value on the card’s other perks, payment of the annual fee with this spend profile allows you to generate 50,000 miles for 1.2 cents each.
Welcome bonus is now slow
Previously, the 25,000 miles awarded for paying the annual fee credited within just six days of card activation.
From 7th November 2025, Standard Chartered changed this to a delayed schedule. Per the T&Cs, both the annual fee tranche and the S$2,000 spend bonus tranche are now subject to a delayed crediting window of up to three months after card approval, per the schedule below:
| Card Approval Month | Bonus miles credited by: |
| November 2025 | 28th February 2026 |
| December 2025 | 31st March 2026 |
| January 2026 | 30th April 2026 |
| February 2026 | 31st May 2026 |
| March 2026 | 30th June 2026 |
| April 2026 | 31st July 2026 |
| May 2026 | 31st August 2026 |
| June 2026 | 30th September 2026 |
In practice, we understand the 25,000 miles annual fee tranche often credits faster than the T&Cs require, within around 30 days of card activation, while the 25,000 miles spend tranche typically follows the documented schedule.
If you’re banking on the welcome miles for an imminent redemption, take note. Under the new schedule, applying in May means your full 50,000 miles likely won’t be in your KrisFlyer account until early September at best.
The current promotion is valid from 1st April 2025 to 30th June 2026.
Renewal bonus
There is no official bonus for renewing your SCVI card when paying the annual fee from year two onwards, however we have always been awarded 20,000 miles on renewal automatically without asking.
You may or may not receive the same bonus, so don’t bank on it, but there’s certainly no harm in asking whether any retention miles will be awarded come renewal time.
Regular earn rates
By default, the Standard Chartered Visa Infinite card earns:
- 1 mpd for local spend (i.e. transacted in SGD), and
- 1 mpd for overseas spend (i.e. transacted in foreign currency).
The earn rates are dismal, though big spenders have a far better path to maximise rewards.
Bonus earn rates
Provided you spend at least S$2,000 in any statement cycle (note – not calendar month), you’ll be entitled to an additional 0.4 miles per S$1 spent locally and an additional 2 miles per S$1 spent overseas, for all the spending you made (not just on the amount over and above S$2,000).
That means, provided you hit the S$2,000 minimum spend each statement cycle on this card, the earning rate is actually:
- 1.4 mpd for local spend (i.e. transacted in SGD), and
- 3 mpd for overseas spend (i.e. transacted in foreign currency).
Note that you are initially awarded 1 mpd on all spending with this card, then once the monthly statement is published the extra miles (+0.4 locally or +2 overseas) are then added, provided the S$2,000 spending criteria was met in the same statement cycle.
Beware of DCC
Since this card earns a generous bonus rate for foreign transactions when you spend more than S$2,000 per month, here’s the usual reminder on DCC.
A note about Dynamic Currency Conversion (DCC)
Beware of the ‘Dynamic Currency Conversion’ (DCC) offer scam you’ll often experience overseas when paying with your credit card. It’s very common when settling your overseas hotel bill, for example, to be offered to pay in SGD instead of local currency. This is a terrible idea, because:
- you’ll suffer financially, even after the credit card foreign exchange fee is accounted for. If you remember the SGD amount you were offered to pay, then pay in local currency instead, once the transaction appears on your credit card statement you’ll generally find they were scamming you, you’d have paid at least 2% more using DCC.
- you will earn credit card miles at the local spend rate if you accept DCC, because the transaction will take place in SGD, not the local (foreign) currency.
In other words, you’ll pay more, and lose miles. Always insist on paying in the local currency of the country you are in.
Eligible transactions
The following spend categories won’t earn any miles with this card, under Standard Chartered’s exclusion list for Rewards Points issuance:
- Charitable and Religious Organisations
- Education
- Gambling
- Government Services
- EZ-Link, GrabPay and YouTrip top-ups
- Hospitals
- Insurance Premiums
- Parking lots
- Utilities
This is not an exhaustive list – you can view the full current list of excluded transactions on the Standard Chartered website.
Note that CardUp and ipaymy transactions do earn 360° Rewards Points and count towards the S$2,000 minimum monthly spend threshold, despite some bill-payment platforms being excluded.
Are KrisFlyer miles credited directly?
No, in fact rather than being credited miles directly you’ll accrue ‘360° Rewards Points’ both for your sign-up bonus and your regular spending on this card.
These transfer to KrisFlyer miles at a 2.5:1 ratio (so the sign-up bonus is actually 125,000 Rewards Points, for example, which you can then redeem for 50,000 miles).
Which loyalty schemes can I transfer into?
Standard Chartered used to boast 10 loyalty programme transfer partners, including KrisFlyer, but in March 2024 nine of those were unceremoniously axed.
The good news is that Singapore Airlines KrisFlyer remains, and that Cathay Pacific Asia Miles was also added to the fold, leaving two popular transfer partners covering both Star Alliance and Oneworld award options.
| Standard Chartered 360° Transfer Partners |
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| FFP | Conversion Ratio Points : Miles |
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25,000 : 10,000 |
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25,000 : 10,000 |
To make a transfer to either of these programmes, log on to your account at the 360° Rewards Redemption Platform, and select your transfer option under the “Travel” category.
Alternatively, KrisFlyer and Asia Miles transfers from your Standard Chartered points are available by logging on to your credit card account via the desktop site, then under ‘Card Details’ by clicking ‘Redeem Rewards Now’.
↥ Is there a minimum transfer amount?
A minimum transfer quantity of 25,000 Rewards Points (into 10,000 miles) applies for transfers to both the KrisFlyer and Asia Miles programmes, with same-sized transfer blocks thereafter (e.g. 50,000 points into 20,000 miles, etc…).
What is the transfer cost to miles?
You’ll pay a fee of S$27.25 for each points to miles transfer to either KrisFlyer or Asia Miles, regardless of how many ‘blocks’ you are converting.
When do points credit?
Base 360° Rewards Points at the 1 mpd earn rate (2.5 Rewards Points per S$1 spent locally or overseas) should reflect in your account once the transaction posts, which takes anywhere between one and three days.
If you meet the S$2,000 total spend in the same statement month, the remaining bonus Rewards Points, equivalent to an additional 0.4 mpd locally and an additional 2 mpd for FCY transactions, will be credited to you rewards account within five days of the end of your statement cycle.
Do be aware that if you are making a purchase to achieve a short-term top-up (to the next miles redemption threshold, for example), you may need to wait until the end of the statement cycle to actually see the full Rewards Points reflected.
Do 360° Rewards Points expire?
No, your 360° Rewards Points never expire while your account remains in good standing, so you can keep your points at the Standard Chartered side as long as you need to, before converting to KrisFlyer.
Once your miles are in KrisFlyer, they are valid for three years from the month of deposit.
(Photo: MainlyMiles)
If you transfer into Asia Miles they will never expire, under the scheme’s latest policy since January 2020 that provided you earn or redeem at least 1 Asia mile every 18 months, all your miles will remain intact.
A transfer from credit card points resets the clock for all your miles, but you can also achieve this with a simple transfer of NTUC LinkPoints to Asia Miles, if necessary, or simply make a 100 miles carbon offset donation.
360° Rewards Points pool with some cards
Standard Chartered splits its credit cards into two tiers for the purposes of Rewards Points pooling and conversion:
- Tier 1: Beyond, Journey, Visa Infinite, Priority Visa Infinite
- Tier 2: All other Standard Chartered cards (e.g. Smart Credit Card)
Points pool within tiers, but not across tiers. That means your SCVI points combine with any Beyond, Journey or Priority Visa Infinite balances for redemption, but not with Tier 2 cards.
Tier 2 cards also transfer at a much less favourable ratio of 34,500 Rewards Points to 10,000 miles, versus 25,000 to 10,000 for Tier 1 cards.
How long do miles take to credit to KrisFlyer?
Standard Chartered quotes “up to 5 working days” for successful crediting of miles into the KrisFlyer or Asia Miles programmes, following your transfer request.
In reality, we usually see miles credited to KrisFlyer within around three days of the request.
That’s still quite a long time if you need the miles to lock in an available redemption, or for short-term travel, with some other banks transferring points instantly, or in just one or two days.
Points rounding
Standard Chartered has a generous rounding policy for transactions made on its credit cards.
At the basic earn rate of 1 mpd with the SCVI card, your transaction will be multiplied by 2.5, then rounded (up or down) to the nearest whole number.
For example:
- Transaction S$6.60
- 6.60 x 2.5 = 16.5
- Rounds to 17 Rewards Points accrued
17 Rewards Points is equivalent to 6.8 miles, so in this example you’re getting 1.03 mpd (6.8 miles / S$6.60).
Provided you spend at least S$2,000 in the same statement month, the additional Reward Points accrued for bonus miles earning follow the same policy.
- Additional 1.0x Reward Points for local spend (rounded to nearest whole point)
- Additional 5.0x Reward Points for FCY spend (rounded to nearest whole point)
For that same transaction in FCY, during a statement month in which you exceed the S$2,000+ total spend threshold, Reward Points are therefore accrued as follows:
- Transaction S$6.60
- 6.60 x 2.5 = 16.5
- Rounds to 17 Rewards Points accrued
- 6.60 x 5.0 = 33.0
- Rounds to 33 Rewards Points bonus
- Total Rewards Points 17+33 = 50
50 Rewards Points is equivalent to 20 miles, so in this example you’re getting 3.03 mpd (20 miles / S$6.60).
↥ Minimum spend to earn points
With Standard Chartered having one of the fairest rounding policies for Rewards Points among banks in Singapore, the minimum spend to earn points (and therefore miles) is also extremely low.
- < S$2,000 total spend per statement month: S$0.20
- > S$2,000 total spend per statement month: S$0.20 (local) / S$0.10 (FCY)
That’s really competitive in the market, with an increasing number of cards now only offering points for transactions of at least S$5, including OCBC, UOB and Maybank.
FCY fee / cpm overseas
Despite its generous 3 mpd earn rate for FCY spend, the Standard Chartered Visa Infinite card has a 3.5% foreign currency transaction fee, the highest on the market in Singapore.
In cost per mile terms at 1.22 cents each, that’s marginally beaten by the BOC Elite Miles card at 1.14 cents (uncapped 2.8 mpd FCY at a lower 3% FCY fee), and sits level with the Maybank Horizon Visa Signature Card, which earns 2.8 mpd on FCY spend subject to a minimum of S$800 monthly spend in any category, a much lower spend requirement than the SCVI’s S$2,000 threshold, on a card with a three-year fee waiver.
Big spenders should also consider the Maybank World Mastercard, which earns an uncapped 3.2 mpd on FCY spend with a minimum of S$4,000 monthly spend in any category. With a 3.25% FX fee, that works out to 1.02 cents per mile, beating the SCVI outright with no annual fee in year one.
Nonetheless, the SCVI still sits near the top of the cost per mile table for overseas general spend, as outlined below.
Cost per mile on overseas transactions (general spend cards)
(Best to worst, May 2026)
| Card | Fee | Mpd | Cost per mile |
 BOC EM |
3% | 2.8 | 1.14¢ |
 Maybank Horizon Visa |
3.25% | 2.8* | 1.22¢* |
 SCVI |
3.5% | 3.0** | 1.22¢** |
 HSBC T1 |
3.25% | 2.4 | 1.43¢ |
 UOB PRVI Miles |
3.25% | 2.4 | 1.43¢ |
 DBS Altitude Amex |
3.0% | 2.2 | 1.45¢ |
 Citi PM |
3.25% | 2.2 | 1.56¢ |
 DBS Altitude Visa |
3.25% | 2.2 | 1.56¢ |
 OCBC Voyage |
3.25% | 2.2 | 1.56¢ |
 OCBC 90oN |
3.25% | 2.1 | 1.63¢ |
 HSBC VI |
3.25% | 2.0 | 1.71¢ |
 Journey Card |
3.5% | 2.0 | 1.83¢ |
 KrisFlyer UOB |
3.25% | 1.2 | 2.86¢ |
* 3 mpd earn rate for the SCVI card is subject to a minimum spend of S$2,000 (any currency) in the same statement cycle.
** 2.8 mpd earn rate for the Maybank HVS card is subject to a minimum spend of S$800 (any currency) in the same calendar month.
Cost per mile also accounts for an additional 0.3% ‘spread’ over money changer currency rates, though this doesn’t apply to all banks and all foreign currencies, so is a worst-case scenario.
If you’re holding a specialised 4 mpd card, like the DBS WWMC, you will of course be able to achieve much better cost per mile for transactions in foreign currency, provided you are spending within the card’s eligible categories and monthly spend cap.
What else can 360° Rewards Points be used for?
There are a variety of rewards other than airline miles you can redeem your Standard Chartered 360° Rewards Points for, though as usual they all represent much poorer value.
We know that 2.5 360° Rewards Points can be converted into 1 KrisFlyer mile, which we value at 1.9 cents each, so that’s approximately 0.76 cents value per 360° Rewards Point when used this way.
Other transfer options are largely for shopping and retail vouchers, for example a S$50 TANGS voucher will set you back 17,250 360° Rewards Points.
The same number of points should be getting you 6,900 KrisFlyer miles (or Asia Miles), worth about S$130. You should not be using your 360° Rewards Points for anything other than KrisFlyer miles or Asia Miles transfers, in our opinion.
However, some of these alternative redemption options can be useful ways to ‘cash out’ of the scheme, for example prior to cancelling the card, if you fall below the 25,000 points (10,000 miles) redemption threshold needed for KrisFlyer or Asia Miles transfers.
Lounge access
The Standard Chartered Visa Infinite card comes with a Priority Pass membership including six complimentary lounge visits per card membership year.
Each accompanying guest counts as one visit, so for example if you always access a Priority Pass lounge with one guest you’ll only get three visits per year, since that will then exhaust all six visits.
After that, each visit is charged at US$35.
After you receive and activate your SCVI card, you’ll need to register for your complimentary Priority Pass. To activate your Priority Pass, SMS SCVI[space]PP[space]last 4 digits of your card to 77272, or visit prioritypass.com/scbinfinite.
Over 1,700 lounges are included in the programme, including all the usual third-party options at Singapore Changi Airport, and you can search the full lounge list here.
(Photo: MainlyMiles)
Unfortunately the SCVI card doesn’t compare generously with other products in this high income category when it comes to the lounge access benefit, with some cards offering unlimited access packages.
Check out our full rundown of Singapore credit cards with lounge access benefits to see the better options available.
Income Tax payment facility
For many years the Standard Chartered Visa Infinite card has had one jewel in its crown for miles-earners in Singapore.
That’s been the ability to pay your annual income tax bill using your card and accrue the usual 1.4 mpd earn rate in the process.
While this facility is also available for any credit card through the likes of CardUp and ipaymy, the processing fee using the Standard Chartered method was 1.6%, compared to 1.75% under those options, so it was therefore a much better deal to use the SCVI, with a cost per mile of just 1.14 cents.
Unfortunately from March 2024 Standard Chartered hiked this fee to 1.9%, increasing the cost per mile to 1.36 cents each.
That’s still competitive, but the cost per mile is only 1.23 cents via CardUp or ipaymy this year, with their 1.75% fee repeated for 2025.
The good thing about the Standard Chartered facility is that you can still use it to generate miles for 1.36 cents, a competitive rate, then actually use one of the other providers to settle your bill with IRAS (via ipaymy on monthly GIRO, for example).
That’s because Standard Chartered does not actually pay IRAS directly, instead you simply send them your Notice of Assessment along with your bank account details using the online system, and they then transfer the balance you owe to IRAS to your personal bank account.
Actually settling the bill is up to you.
A full FAQs document for the Income Tax payment facility is available here.
Standard Chartered confirms that amounts charged via the income tax payment facility do count towards the S$2,000 minimum monthly spend threshold needed to trigger the 1.4 mpd local earn rate, so there’s no penalty in the qualifying-spend calculation.
SC EasyBill
In August 2019 Standard Chartered launched EasyBill, a way for their credit card customers to earn the usual rewards points for outgoings not usually allowing credit card payments, like rental and education expenses.
An administrative fee of 1.9% is charged, which means EasyBill allows you to ‘buy’ miles using your Standard Chartered Visa Infinite card from 1.36 cents each when making these payments.
Other benefits
In the past, the SCVI card had a range of attractive benefits including a complimentary 4 hour yacht hire when you spent S$75,000 within a year, 15% cashback on all Grab rides globally capped at S$30 per month, and up to 25% Caltex fuel savings.
Sadly the current list is a lot thinner than it was, with all of the aforementioned perks whittled away over the years.
Here are the additional current benefits with the Standard Chartered Visa Infinite card which will be of most interest to our readers:
Travel insurance
Complimentary Allianz travel insurance coverage when you charge your full fare to your card before you go abroad, including:
- Up to S$1,000,000 for accidental death and total permanent disability
- S$50,000 overseas medical expenses
- S$100,000 emergency medical evacuation
- S$5,000 lost baggage
- S$1,000 delayed baggage
Note there is no cover for trip cancellation or disruption, delayed flights, rental car excess, or personal liability, so most travellers will want to supplement this with a standalone policy. Coverage also does not apply to award tickets. Full terms are available here.
eCommerce Purchase Protection
Up to US$1,000 per claim per annum for non-delivery (after 30 days), wrong/incomplete delivery, or physical damage on online purchases charged to the SCVI, where the shipment can be tracked. Underwritten by AIG.
Visa Infinite Concierge
24/7 concierge service via 1800 823 2049 (Singapore) or +65 6823 2049 (overseas), for lifestyle and emergency requests.
Visa Infinite hotel and travel perks
As a Visa Infinite cardholder, you’ll also get access to:
- Visa Luxury Hotel Collection: best rate guarantee, automatic room upgrade where available, complimentary breakfast, US$25 daily F&B credit, VIP guest status, 3PM late check-out
- GHA DISCOVERY Titanium status, the top publicly available tier of the Global Hotel Alliance loyalty programme, covering brands like Anantara, Capella, Kempinski and Pan Pacific
- Avis President’s Club status for car rentals
- 50% off weekday green fees at 50 participating golf clubs across Southeast Asia
- 50% off weekday green fees at Sentosa Golf Club
Lifestyle privileges
The Good Life privileges, including dining, travel and shopping discounts at over 3,000 outlets across Asia.
How does it compare to the Beyond Card?
As of November 2024, the SCVI is no longer Standard Chartered’s flagship miles card — that title now belongs to the Beyond Card, which carries a S$1,635 annual fee, requires a S$200,000 minimum income, and offers a spend-based welcome bonus of up to 100,000 miles in year one.
Headline earn rates of up to 8 mpd are reserved for Priority Private clients on overseas dining. Base Beyond cardholders earn 1.5 mpd local and 3 mpd FCY — marginally better than the SCVI on local spend, and matching it on FCY without the S$2,000 monthly spend requirement, but at nearly three times the annual fee.
The Beyond Card does, however, come with unlimited Priority Pass lounge visits and airport limo benefits for Priority Banking and Priority Private clients, addressing two of the SCVI’s longest-standing weaknesses.
Note that holding both Beyond and SCVI means your Rewards Points pool together for redemption.
Terms and conditions
Here are links to the full terms and conditions applicable to the Standard Chartered Visa Infinite card and the 360° Rewards programme.
SCVI T&C
SC 360° Rewards Programme T&C
Our Summary
The Standard Chartered Visa Infinite card used to come with some nice benefits and perks, but over the years most of these have been eroded or axed, making it increasingly difficult to justify an annual fee of S$600.
The arrival of the Beyond Card in November 2024 also pushed the SCVI down from flagship status within Standard Chartered’s own portfolio, leaving it in an awkward middle position.
The 50,000 miles welcome bonus remains worth more than the annual fee itself if used wisely, but as of November 2025 it’s now subject to a delayed crediting schedule, with the spend tranche typically taking around three months to land, so don’t bank on those miles for an imminent redemption.
Any renewal bonus miles after year one are not guaranteed.
With lounge visits pegged at a paltry six per year, the Income Tax payment facility recently devalued, and no airport limo or immigration perks, there’s really very little left in this card’s arsenal, aside from a competitive 3 mpd earn rate for overseas spend.
The problem there, like the 1.4 mpd local rate, is that you’ll need to push a hefty S$2,000+ per statement month through the card to qualify.
The Maybank Horizon Visa Signature card’s uncapped 2.8 mpd for FCY spend requires only S$800 of total transactions each month and matches this card on cost per mile thanks to its lower fees and three-year fee waiver. Big spenders should look at the Maybank World Mastercard, which earns an uncapped 3.2 mpd for FCY spend at a S$4,000 monthly threshold — beating the SCVI outright at 1.02 cents per mile.
With only two FFP partners to its name since March 2024, a slow-paid welcome bonus from November 2025, and stronger competition both inside and outside Standard Chartered’s own line-up, this is one card we just can’t see the logic of signing up for in Singapore, except to “buy” a stash of miles from the outset, then ditch it after year one.
| Our Rating | ||||||||||||||||||||
| 2 / 5 among high income general spend cards |
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Standard Chartered Visa Infinite |
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(Cover Photo: Shutterstock)