Standard Chartered Visa Infinite X Card: Is It Right For You?

Standard Chartered Visa Infinite X Card: Is It Right For You?

Best Upfront Miles Promotion for Wealthy Travellers

Good for

  • Wealthy consumers who want rapidly accrue miles
  • Consumers that prioritise up-front rewards over long-term earnings
  • Those looking for exclusive perks with select high-end hotels

Bad for

  • Average consumers who don't have substantial funds on hand
  • Travellers seeking a wide variety of top luxury perks
  • People who want a no or low-fee card

Editor's Rating

3.5/5.0

Standard Chartered Visa Infinite X Card is ideal for very wealthy travellers looking to quickly accrue an impressive amount of miles. Consumers who place S$300k fresh funds in a new SC Priority Banking account earn 100,000 KrisFlyer Miles, and earn even more miles with larger holdings. Cardholders also earn 1.2 miles per S$1 local spend, boosted to 2 miles overseas, and enjoy perks like free lounge access and exclusive hotel privileges. While its S$695.5 annual fee is amongst the highest on the market, this fee can be more than fully recouped by wealthy cardholders who can effectively take advantage of Standard Chartered Visa Infinite X Card's market-leading sign-on bonus.

ProsCons
  • Earn up to 300,000 bonus welcome miles
  • Earn 2 miles/S$1 spend overseas
  • Special privileges with elite hotels
  • Bonus miles limited to affluent consumers
  • Very high & unwaivable S$695.5 annual fee
  • Lower rewards rates than other lux. cards
Promotions:
  • 35k welcome bonus miles
  • For every month you spend at least S$4,000, receive 2,000 bonus miles unti 31 Dec 2020
Card Overview
Pros:
  • Earn up to 300,000 bonus welcome miles
  • Earn 2 miles/S$1 spend overseas
  • Special privileges with elite hotels
  • Promotions: 35k welcome bonus miles
  • For every month you spend at least S$4,000, receive 2,000 bonus miles unti 31 Dec 2020
Cons:
  • Top bonus miles limited to affluent consumers
  • Very high & unwaivable S$695.5 annual fee
  • Rewards rates not as high as other luxury cards

What Makes Standard Chartered Visa Infinite X Card Stand Out

Standard Chartered Visa Infinite X Card allows affluent individuals to rapidly accrue impressive amounts of miles by opening a Priority Banking account with Standard Chartered. The card truly stands out for its generous welcome offer–perhaps the best currently on the market for wealthy travellers. Cardholders who place and maintain S$300k fresh funds in a Standard Chartered Priority Banking account receive 100,000 KrisFlyer miles (worth S$10k when redeemed for business class tickets). Rewards increase for those who can make even larger investments. Those who place S$800k in funds receive 150,000 KrisFlyer miles (S$15k value), and Priority Private Banking customers who place S$1.5m receive an incredible 300,000 miles (worth S$30k).

Bonus Miles Earned for Fresh Funds Placed in Priority Banking

Fresh FundsBanking RelationshipBonus MilesRedemption Value
S$200,000–S$299,999Priority30,000S$3,000
S$300,000–S$799,999Priority100,000S$10,000
S$800,000+Priority150,000S$15,000
S$1,500,000+Priority Private300,000S$30,000
Redemption values are based on application to business class air tickets

Although these upfront rewards may be quite enticing, they're not very accessible for most individuals. Everyday consumers are less likely to have such substantial funds readily on hand. In addition, all placements must be maintained for 3 months, meaning consumers won't be able to access a substantial amount of their savings for a set amount of time. It's worth mentioning that SC Visa Infinite X cardholders can receive 30,000 bonus miles by making a "smaller" S$200k deposit. Nonetheless, even this bonus tier is less competitive as other travel cards offer 20,000+ welcome miles without requiring engagement with other banking products.

It's also important to mention that SC Visa Infinite X Card's rewards rates and perks are not particularly competitive. Cardholders earn 1.2 miles per S$1 local spend, elevated to 2 miles overseas. These rates are notably lower than those offered by comparable luxury cards like OCBC Voyage (1.2 mi/S$1 locally, 1.6 on local dining & 2.3 overseas) and UOB PRVI Miles Amex (1.4 mi/S$1 locally, 2.4 overseas). In fact, SC Visa Infinite X Card's rewards rates align most closely with much more affordable cards like Citi PremierMiles Visa and DBS Altitude.

SC Visa Infinite X Card v. Affordable Alternatives

Citi PMVDBS AltitudeSCVI X
Rates
  • 1.2 mi locally
  • 2 mi overseas
  • 1.2 mi locally
  • 2 mi overseas
  • 3 mi on online travel bookings
  • 1.2 mi locally
  • 2 mi overseas
Perks
  • 2 lounge visits/yr
  • Free travel insurance
  • 2 lounge visits/yr
  • Free travel insurance
  • Discounted green fees
  • 2 lounge visits/yr
  • Free travel insurance
  • Disc. green fees
  • Hotel upgrades
  • Hertz rental privileges
Fees
  • S$192.60
  • (waived 1st year)
  • S$192.60
  • (waived 1st year, then
  • w/ S$25k spend)
  • S$695.50
  • (no waiver)

While SC Visa Infinite X may have a slight edge in terms of perks when compared to these affordable alternatives (like Hertz Asia rental car and hotel privileges at The St. Regis, Mandarin Oriental & more), these benefits are still fairly narrow and may not validate SC Visa Infinite X Card's much higher annual fee.

Nonetheless, SC Visa Infinite X's sign-up offer still provides wealthy consumers with the opportunity to accrue more miles than with any other welcome bonus currently on the market. The value-to-consumer received by placing funds (ranging from S$3k to S$30k) easily offsets the admittedly high S$695.5 annual fee. Because of this upfront bonus, SC Visa Infinite X Card is extremely valuable for those affluent enough to take advantage of it. Altogether, SC Visa Infinite X Card is definitely worth considering for wealthy travellers seeking to quickly accumulate miles.

How Does Standard Chartered Visa Infinite X Card's Rewards Program Work?

Use our quick guide below to learn how you can redeem your credit card rewards.

  • Spend officially rewarded in 360°Rewards Points which can be redeemed as miles, cash rewards or travel credits
  • Points automatically expire 3 years after issued
  • 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
  • Cash rewards are transferred at a rate of 3 points for S$0.012
  • Travel Credits are transferred at a rate of 250 points for S$1 travel credit
  • Travel Credits can only be applied to offset travel purchases such as airline, car rental, hotel, or railway spend

Standard Chartered Visa Infinite X Card's Features and Benefits:

Card Overview
  • Annual Fee: S$695.5, No waiver
  • Income Requirement: S$80,000 (S$30,000 for SG citizens & PR with Priority or Private Banking accounts)
Rewards Rate Details
  • 1.2 miles (3pts) per S$1 local spend
  • 2 miles (5pts) per S$1 overseas spend
Benefits & Perks
  • 2 free lounge visits per year
  • Free travel insurance
  • Hertz Asia rental car privileges
  • Complimentary upgrades, free breakfasts & more at The St. Regis, Shangri La Hotels & Resorts and Mandarin Oriental
  • 30% discounted green fees at select golf clubs in SE Asia
Promotions:
  • 35k welcome bonus miles
  • For every month you spend at least S$4,000, receive 2,000 bonus miles unti 31 Dec 2020

Standard Chartered Visa Infinite X Card's Rewards Exclusions

The following credit card expenditures are ineligible for rewards.

Cash advance; credit card funds transfers; monthly instalment 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); any amounts that is subsequently cancelled, voided, refunded or reversed; amounts which have been rolled over from any preceding month’s statement; any fraudulent retail transaction
AXS, SAM or ATM transactions; any online bill payment through Standard Chartered Online Banking, recurring payments (being automatic payments where the X Cardholder or supplementary X Card cardholder has given a one-time authorisation or instruction for the merchant to charge the payment directly to his/her X Card at a fixed interval, such as transactions made pursuant to Standard Chartered Bank (Singapore) Limited’s 0% Interest Instalment Plan) or payments made to all billing organisations using Standard Chartered Online Banking or mobile app
Certain insurance premiums; tax refunds and tax payments, any payments related to betting (including lottery tickets, casino gaming chips, off-track betting, and wagers at race tracks) through any channel; any top-ups or payment of funds to any prepaid cards and any prepaid accounts including but not limited to EZ LINK, Transit Link, Saxo Cap Mkts Pte Ltd, MoneyBookers and more

How does Standard Chartered Visa Infinite X Card Compare Against Other Cards?

Read our comparisons of Standard Chartered Visa Infinite X 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 X Card v. Citi Prestige Card
  • Annual Fee: S$535.0
  • Stand-Out: Unltd. lounge access, bonus hotel nights & more
  • Read Our Full Review
Affluent travellers who prioritise luxury perks should definitely consider Citi Prestige MasterCard. Cardholders receive unlimited free lounge visits, a free 4th night stay at any hotel, and up to 32 complimentary limo transfers, which is far above what you'd usually get from other expensive cards. You can also enjoy ongoing annual bonuses like additional points based on tenure of relationship with Citi and an renewal gift of 25,000 miles. These perks go a long way to offset the card's high annual fee of S$535.


SC Visa Infinite doesn't offer such comprehensive travel perks, for the most part. While its bonus miles gift is potentially more valuable, it is only a one time upfront benefit. Citi Prestige Card is a better option for consumers looking to enjoy top-tier luxury perks and continued bonuses over time.

SC Visa Infinite X Card v. OCBC Voyage Card
OCBC Voyage Card
OCBC Voyage Card
  • Annual Fee: S$488.0
  • Stand-Out: Flexible miles redemption, boosted rewards for local dining
  • Read Our Full Review
Consumers looking for a flexible luxury card with easy miles redemption may want to consider OCBC Voyage Card. Cardholders earn 1.2 miles per $S1 local spend–boosted to 1.6 miles on local dining–and 2.3 miles overseas. Few cards offer elevated local rates, so OCBC Voyage Card is great for sporadic travellers who may also spend a great deal of time at home. When they are travelling, consumers can also take advantage of perks like unlimited lounge access and 2 free limo transfers per month.


In contrast, most of SC Visa Infinite X Card's value is derived from its upfront miles bonus, rather than steady high rates and generous travel perks. Frequent travellers who prefer flexible, high rates plus top-tier perks may be better off with OCBC Voyage Card.

SC Visa Infinite X Card v. UOB PRVI Miles American Express Card
  • Annual Fee: S$256.8
  • Stand-Out: Fee-Waiver + 20k bonus miles, 2.4 miles per $1 overseas
  • Read Our Full Review
UOB PRVI Miles Amex is one of the absolute best travel cards for above-average spenders. To begin with, cardholders earn at remarkably high rates of 1.4 miles per S$1 locally and 2.4 miles overseas. These rewards rates are higher than those offered by some of the most expensive luxury cards. However, UOB PRVI Miles Amex Card doesn't come with the same restrictive price tag. In fact, the already moderate S$256.80 annual fee is waived completely for those who spend S$50k annually (about S$4.2k/month). At this spend level, cardholders also receive a 20,000 air miles bonus (worth S$200). While perks are a bit more limited–namely free travel insurance and up to 8 airport transfers/year–above-average spenders can rapidly accrue miles without worry about prohibitive costs with UOB PRVI Miles Amex Card. Those who are far wealthier and can readily invest large sums can earn more bonus miles upfront with SC Visa Infinite X Card, however.
SC Visa Infinite X Card v. Citi PremierMiles Visa Card
Everyday consumers looking to access respectable rates and perks–all without paying a massive annual fee–should definitely consider Citi PremierMiles Visa Card. Citi PMV cardholders earn rates (1.2 miles/S$1 locally, 2 miles overseas) and travel perks (free travel insurance and 2 free lounge visits per year) that closely align with those offered by SC Visa Infinite X Card. Citi PMV, however, is much more affordable, with an annual fee of only S$192.60 compared to SC Visa Infinite X's S$695.50 fee.


On the other hand, SC Visa Infinite X stands out because of its upfront bonus, although only very wealthy people can access this. Although it's by no means affordable, very affluent consumers can get more value out of SC Visa Infinite X if they are willing to devote fresh funds to new SC Priority Banking accounts.

SC Visa Infinite X Card v. DBS Altitude Visa Card
DBS Altitude Visa Card is one of the best travel cards on the market. Cardholders earn 1.2 miles per S$1 local retail, 2 miles overseas, and 3 miles on online travel bookings. Consumers can also enjoy a broad variety of perks like complimentary travel insurance, 2 free lounge visits/year, dining and golf privileges and more. On top of all this, DBS Altitude Card has a low annual of S$192.60, which is waived for consumers who spend at least S$25k/year.


In contrast, SC Visa Infinite X is not especially affordable. Instead, very wealthy individuals can rapidly accrue miles upfront by making large investments in SC Priority Banking accounts. While SC Visa Infinite X Card offers high income travellers the opportunity to quickly earn a massive amount of miles upfront, DBS Altitude Visa Card is better for everyday consumers that want to affordably earn at respectable miles rates over the long run.

SC Visa Infinite X Card v. Citi Prestige Card
  • Annual Fee: S$535.0
  • Stand-Out: Unltd. lounge access, bonus hotel nights & more
Affluent travellers who prioritise luxury perks should definitely consider Citi Prestige MasterCard. Cardholders receive unlimited free lounge visits, a free 4th night stay at any hotel, and up to 32 complimentary limo transfers, which is far above what you'd usually get from other expensive cards. You can also enjoy ongoing annual bonuses like additional points based on tenure of relationship with Citi and an renewal gift of 25,000 miles. These perks go a long way to offset the card's high annual fee of S$535.


SC Visa Infinite doesn't offer such comprehensive travel perks, for the most part. While its bonus miles gift is potentially more valuable, it is only a one time upfront benefit. Citi Prestige Card is a better option for consumers looking to enjoy top-tier luxury perks and continued bonuses over time.

SC Visa Infinite X Card v. OCBC Voyage Card
OCBC Voyage Card
OCBC Voyage Card
  • Annual Fee: S$488.0
  • Stand-Out: Flexible miles redemption, boosted rewards for local dining
Consumers looking for a flexible luxury card with easy miles redemption may want to consider OCBC Voyage Card. Cardholders earn 1.2 miles per $S1 local spend–boosted to 1.6 miles on local dining–and 2.3 miles overseas. Few cards offer elevated local rates, so OCBC Voyage Card is great for sporadic travellers who may also spend a great deal of time at home. When they are travelling, consumers can also take advantage of perks like unlimited lounge access and 2 free limo transfers per month.


In contrast, most of SC Visa Infinite X Card's value is derived from its upfront miles bonus, rather than steady high rates and generous travel perks. Frequent travellers who prefer flexible, high rates plus top-tier perks may be better off with OCBC Voyage Card.

SC Visa Infinite X Card v. UOB PRVI Miles American Express Card
  • Annual Fee: S$256.8
  • Stand-Out: Fee-Waiver + 20k bonus miles, 2.4 miles per $1 overseas
UOB PRVI Miles Amex is one of the absolute best travel cards for above-average spenders. To begin with, cardholders earn at remarkably high rates of 1.4 miles per S$1 locally and 2.4 miles overseas. These rewards rates are higher than those offered by some of the most expensive luxury cards. However, UOB PRVI Miles Amex Card doesn't come with the same restrictive price tag. In fact, the already moderate S$256.80 annual fee is waived completely for those who spend S$50k annually (about S$4.2k/month). At this spend level, cardholders also receive a 20,000 air miles bonus (worth S$200). While perks are a bit more limited–namely free travel insurance and up to 8 airport transfers/year–above-average spenders can rapidly accrue miles without worry about prohibitive costs with UOB PRVI Miles Amex Card. Those who are far wealthier and can readily invest large sums can earn more bonus miles upfront with SC Visa Infinite X Card, however.
SC Visa Infinite X Card v. Citi PremierMiles Visa Card Card
  • Annual Fee: S$192.6
  • Stand-Out: Up to 34,200 welcome & 10,000 renewal miles
Everyday consumers looking to access respectable rates and perks–all without paying a massive annual fee–should definitely consider Citi PremierMiles Visa Card. Citi PMV cardholders earn rates (1.2 miles/S$1 locally, 2 miles overseas) and travel perks (free travel insurance and 2 free lounge visits per year) that closely align with those offered by SC Visa Infinite X Card. Citi PMV, however, is much more affordable, with an annual fee of only S$192.60 compared to SC Visa Infinite X's S$695.50 fee.


On the other hand, SC Visa Infinite X stands out because of its upfront bonus, although only very wealthy people can access this. Although it's by no means affordable, very affluent consumers can get more value out of SC Visa Infinite X if they are willing to devote fresh funds to new SC Priority Banking accounts.

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SC Visa Infinite X Card v. DBS Altitude Visa Card
  • Annual Fee: S$192.6
  • Stand-Out: Fee-waiver & perks like lounge access
DBS Altitude Visa Card is one of the best travel cards on the market. Cardholders earn 1.2 miles per S$1 local retail, 2 miles overseas, and 3 miles on online travel bookings. Consumers can also enjoy a broad variety of perks like complimentary travel insurance, 2 free lounge visits/year, dining and golf privileges and more. On top of all this, DBS Altitude Card has a low annual of S$192.60, which is waived for consumers who spend at least S$25k/year.


In contrast, SC Visa Infinite X is not especially affordable. Instead, very wealthy individuals can rapidly accrue miles upfront by making large investments in SC Priority Banking accounts. While SC Visa Infinite X Card offers high income travellers the opportunity to quickly earn a massive amount of miles upfront, DBS Altitude Visa Card is better for everyday consumers that want to affordably earn at respectable miles rates over the long run.

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