Standard Chartered Visa Infinite Card: For Frequent Business Travelers

Standard Chartered Visa Infinite Card: For Frequent Business Travelers

Maximise Miles for Overseas Spend & Tax Payments

Good for

  • Affluent travellers with high overseas spend
  • Consumers interested in rewards for banking activity
  • People willing to pay a fee for luxury travel perks

Bad for

  • Average spenders who mostly buy local essentials
  • Individuals who prefer cashback to points or miles
  • People who are reluctant to pay an annual fee

Editor's Rating

4.5/5.0

Standard Chartered Visa Infinite Credit Card not only allows affluent travellers to maximise miles with market-leading rewards rates, it also provides stand-out transport benefits and even rewards banking activity. Cardholders earn 1.4 miles per S$1 local spend and 3 miles overseas, receive rental privileges with Hertz Asia, and earn up to 15% cashback with Grab. Consumers can also earn points on mortgage loans, savings accounts, tax payments and more. While the non-waivable S$588.5 fee is high, SC Visa Infinite Card’s unique benefits aren’t offered by most competitors.

ProsCons
  • 1.4 miles per S$1 local spend, 3 miles overseas (S$2,000/mo min. spend)
  • 35,000 welcome miles (worth S$350)
  • Tax payments & select banking transactions earn points
  • Free travel insurance, 6x lounge access, 1 free yacht hire
  • Hertz Asia Privileges, Golfing/Dining/Hotel Privileges
  • Up to 25% fuel savings at Caltex, 15% on Grab rides
Promotions:
  • Up to S$100 in cashback + Up to S$150 in Prime Now credits, 10% cashback & free Amazon Prime
  • S$588.5 non-waivable fee
  • No annual renewal bonus miles
  • S$2,000/month spend requirement to access top rates
  • Low base rate of 0.4 miles per S$1 local spend, 2 miles overseas
  • S$150,000 salary requirement for non-banking customers

What Makes Standard Chartered Visa Infinite Card Stand Out

Affluent business travellers looking to maximise miles and enjoy easy convenience during trips abroad should consider Standard Chartered Visa Infinite Card. As long as they spend at least S$2,000/month, consumers earn top rates of 1.4 miles per S$1 local spend and 3 miles overseas, plus transport benefits like rental car upgrades with Hertz Asia and up to 15% cashback on Grab. Cardholders also earn up to 25% fuel savings with Caltex, and can even receive a free 4-hour yacht hire after S$75,000 annual spend.

While most travel cards don’t require a minimum spend to access higher rates, SC Visa Infinite Card is tailored to consumers who spend closer to S$6,000+ per month–a level at which rewards earned offset the S$588.5 fee. SC Visa Infinite Card also rewards income tax payments (after a one-time 1.6% processing fee) which is rare and benefits high-earning cardholders. Cardholders with SC Banking relationships can also earn on select mortgage loans, savings accounts, fixed deposits and investments after a S$500 monthly spend.

Potential Cardholder Earnings for Charging Income Tax to Card

DescriptionValue
Minimum Salary RequirementS$150,000*
Approx. Tax Bracket15%+
Approx. Miles Earned17,430+
Estimated Value-to-ConsumerS$174+
* Minimum salary requirement for card approval as applied to consumers without an SC banking relationship; Singaporean SC Priority/Private Banking customers are only required to earn S$30,000 annually

However, SC Visa Infinite Card’s non-waivable fee is still particularly expensive, even compared to other pricy travel cards. While cardholders receive 35,000 welcome miles (worth about S$350), they do not receive subsequent annual renewal miles, which are provided by most competitors to offset their annual fees (including Citi Prestige MasterCard and UOB PRVI Amex Miles Card’s). In addition, SC Visa Infinite Card’s benefits are in some ways limited. Cardholders receive just 6 lounge access vouchers (v. unlimited) and do not receive free limo transfers.

Ultimately, high-income business travellers who could benefit from global transport benefits might consider SC Visa Infinite Card as a way to maximise miles earning. In addition to leveraging the card to earn rewards from tax payments, high earners can also enjoy travel perks that make business trips comfortable and convenient.

How Does SC Visa Infinite Card's Rewards Program Work?

Use our quick and easy-to-read guide below to learn how you you can redeem SC Visa Infinite Card rewards.

  • Spend officially rewarded in Points, redeemable as vouchers or mileage
  • Points earned with SC Visa Infinite Card do not expire
  • Points can be converted to miles via the Singapore Airline KrisFlyer Programme
  • Miles are transferred at the conversion rate of 5 points for 2 miles
  • There is a S$25 transfer fee each time points are converted to miles
  • Upon account termination, Points can be transferred to up to 5 nominees (family members or friends with cards eligible for rewards programme)
  • Points transferred from SC Visa Infinite Cardholder’s account do not incur a transfer fee

SC Visa Infinite Card Rewards Exclusions

Some credit card expenditures are ineligible for cash back or rebate. We identify these exclusions in the table below.

Exclusion CategoryDescription
Bank FeesCash advance; balance/fund transfers; monthly installment of an EasyPay transaction; any fees or charges (including but not limited to annual card fees, service fees, interest charges, cheque processing fees, administrative fees, finance charges, and/or late payment charges and other miscellaneous fees and charges); reversed fees and charges; amounts which have been rolled over from any preceding month’s statement; any fraudulent retail transaction
Transfers & Bill PaymentsAXS or ATM transactions; any online bill payment through Standard Chartered Online Banking
Institutional PaymentsCertain insurance premiums

SC Visa Infinite Card's Features and Benefits:

Details & Benefits
Annual FeeS$588.5, No waiver
Annual Income Requirement
  • For SC Priority/Private Banking Customers: S$30,000 for locals, S$60,000 for foreigners
  • For non-Banking Customers: S$150,000 for locals, S$150,000 for foreigners
Card Details
  • 1.4 miles per S$1 local spend, 3 miles overseas (S$2,000/mo min. spend)
  • 0.4 miles per S$1 local spend, 2 miles overseas (Base Rate)
  • 35,000 welcome miles (worth S$350)
  • Tax payments eligible for rewards points, all cardholders
  • Additional banking transactions eligible rewards for SC Banking customers (select mortgage loans, savings accounts, fixed deposits & investments after S$500/mo min. spend)
  • Free travel insurance, 6x lounge access, 1 free 4-hour yacht hire
  • Hertz Asia Privileges, Golfing/Dining/Hotel Privileges
  • Up to 25% fuel savings at Caltex, 15% on Grab rides
Promotions:
  • Up to S$100 in cashback + Up to S$150 in Prime Now credits, 10% cashback & free Amazon Prime

How does SC Visa Infinite Card Compare Against Other Cards?

Read our comparisons of SC Visa Infinite Card with other cards and learn what makes each card unique in their own way. We compare and contrast each card to highlight its uniqueness to help you identify the card that you need.

SC Visa Infinite Card performs below above the market average for value-to-consumer after two years based on an average monthly spend of S$2,000, though its many travel perks add intangible value

SC Visa Infinite Card v. UOB PRVI Miles American Express Card

Consider this if you want to maximise mile rewards without paying an extravagant annual fee

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000

Above-average spenders who prioritise rapid miles accumulation may be interested in UOB PRVI Amex Miles Card’s top rates of 1.4 miles per S$1 local spend, 2.4 miles overseas, and 10 miles with major airlines and hotels. While perks are minimal–primarily travel insurance and airport transfers–cardholders spending S$4,200/month can not only avoid the S$256.8 annual fee, but also earn 20,000 annual renewal miles as well. SC Visa Infinite may be better for frequent travellers seeking convenience as it has a few extra perks, in addition to high rewards rates.

SC Visa Infinite Card v. Citi Prestige MasterCard

Consider this if you want special travel perks like free hotel nights and unlimited lounge access

Annual Income Requirement S$120,000
Foreigner Income Requirement S$120,000

While SC Visa Infinite Card offers travel privileges, Citi Prestige MasterCard provides next-level luxury with unlimited lounge access, free limo transfers, free green fee rounds, and hotel booking extensions–in addition to top rewards rates of 1.3 miles per S$1 local spend and 2 miles overseas. The card’s S$535 fee is offset by 25,000 welcome miles and 25,000 annual renewal miles (worth S$250 each). Citi Prestige Card is great for consumers seeking luxury perks; SC Visa Infinite Card may be better for businessmen who value transport benefits and rewards on taxes.

SC Visa Infinite Card Card v. OCBC Voyage Card

Consider this if you want the ability to redeem your miles whenever you want, without blackout dates

Annual Income Requirement S$120,000
Foreigner Income Requirement S$120,000

OCBC Voyage Card’s flexibility in miles redemption makes it ideal for consumers with irregular travel schedules and those who shift between local and overseas spending. With minimal processing time and no blackout dates, cardholders are free to redeem miles and travel whenever they’d like–and can enjoy benefits like free travel insurance, airport lounge access, and limo transfers along the way. Cardholders also earn 1.2 miles per S$1 local spend, 1.6 miles on local dining, and 2.3 miles overseas. The S$488 fee is non-waivable, but is offset annually by 15,000 renewal miles (worth S$150). This card is great for travellers valuing flexibility, while SC Visa Infinite Card is better for those with frequent overseas spend.

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