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    Standard Chartered Priority Banking Visa Infinite Credit Card

    Standard Chartered Priority Banking Visa Infinite Credit Card Promotion:

    • Get up to 37% off on international car rental at more than 20,000 destinations worldwide with Auto Europe. This promotional offer is valid until December 31st, 2017.
    • Get 10% off on available rates with a complimentary daily breakfast for 2 at more than 275 Preferred Hotels & Resorts worldwide. This promotional offer is valid until December 31st, 2017.
    • Enjoy a complimentary room upgrade, 25% bonus points, and late check-out with Hilton HHonors Gold Status. This promotional offer is valid until December 31st, 2017.
    • Enjoy up to 28% savings with Gold Class Infinite Experience Package through Visa Checkout at www.gv.com.sg. This promotional offer is valid until December 31st, 2017.
    • Get complimentary nachos with every $50 spend in a single receipt at Coastes. This offer is valid until February 28th, 2018.
    • Get 15% off on cocktails and wines by the bottle at Gattopardo using your SC credit card. This offer is valid until February 28th, 2018.
    • Get 10% off on total bill at The Pipe District using your SC credit card. This offer is valid until February 28th, 2018.
    • Get 10% off on total bill at Hombre Cantina using your SC credit card. This offer is valid until February 28th, 2018.
    • Get 10% off on total bill at Song of India using your SC credit card. This offer is valid until February 28th, 2018.
    • Get 12% of à la carte food items at Horizon Bistronomy using your SC credit card. This offer is valid until February 28th, 2018.
    • Get 10% off on total bill at Kinara using your SC credit card. This offer is valid until February 28th, 2018.
    • Get complimentary Laffio-styled onion rings with a minimum spend of $80 at Laffio using your SC credit card. This offer is valid until February 28th, 2018.

    Standard Chartered Priority Banking Visa Infinite Credit Card

    This Visa credit card from Standard Chartered is a travel-cum-lifestyle card that gives you exclusive privileges in areas such as dining, travel, entertainment and golf. You also get services tailored to your preferences and standard of living.

    Features Of Standard Chartered Priority Banking Visa Infinite Credit Card

    • This is an invitation-only credit card that is customised to your needs and wants.
    • You don’t have to pay the annual fee on this card for the first year.
    • You can get up to 5 supplementary cards with the Priority Banking Visa Infinite Card.

    Rewards

    This card qualifies for the Standard Chartered 360º Rewards Programme. The rewards are accumulated not just on your credit card usage but also on all kinds of accounts you have with the bank, such as savings or current account, fixed deposits, mortgage loans, and investment products. The rewards are accumulated in the ways listed below:

    • 1 air mile (2.5 points) for each S$1 spent on the credit card
    • 10 Points per month for every S$10,000 average balance in current or savings accounts
    • 10 Points per month for every S$10,000 average balance in Fixed Deposits
    • 10 Points per month for every S$10,000 outstanding balance in mortgage loans
    • 25 Points per month for every S$10,000 average investment asset under management

    To be eligible to reap benefits of total banking relationship-based point accumulation, you need to spend at least S$500 on your Standard Chartered Priority Banking Visa Infinite Credit Card every month. The 360º Rewards Points are valid forever, and can be redeemed for air miles, for shopping vouchers, and for products from the bank’s rewards catalogue. For example, you can convert 32,000 points into a S$100 cash rebate on your credit card bill. A block of 4,300 points will give you a S$20 voucher or Adonis Hotel. For 49,500 points you can get a FitBit fitness tracker wrist gadget. Conversion to KrisFlyer Miles will cost you an admin fee of S$25, though.

    Benefits Of Standard Chartered Priority Banking Visa Infinite Credit Card

    • Enjoy free entry to over 950 airport lounges across the world under the Priority Pass programme.
    • Get 24x7 access to services of Visa Infinite Concierge to get help with lifestyle needs such as travel planning, hotel and flight bookings, car rentals, concert bookings, etc. To reach the Concierge, call 1800 823 2049 (Singapore) or +65 6823 2049 (overseas).
    • Get exclusive privileges such as discounts and freebies on travel, lifestyle and entertainment options, under The Good Life programme.

    Insurance Provided By The Card

    The Priority Banking Visa Infinite Credit Card comes with free Travel Medical Insurance. To avail these benefits, use your credit card at least once when you’re on trip abroad. You’re covered for the following events under this policy:

    Medical expenses when outside Singapore Up to S$50,000 each for primary cardholder AND spouse
    Emergency dental expenses Up to S$500
    Emergency medical evacuation, repatriation or dispatch of specific medication Up to S$100,000
    Luggage delay, loss or damage Up to S$1,000
    Purchase protection Up to S$10,000 per article

    Instalment Payment Plans

    Standard Chartered offers 2 kinds of instalment payment plans: 0% Instalment Payment Plan and EasyPay. Under the 0% Instalment Payment Plan, you can pay for your transactions at participating stores over a period of up to 36 months instead of paying in one go, at zero interest charges. Unlike in many other reward programmes, converting to instalment payment plan will not deprive you of earning reward points or cashback. EasyPay, on the other hand, allows you to pay for transactions above S$500 over a period of 6 to 12 months at any local or overseas outlets, irrespective of whether they are Standard Chartered bank’s merchant partners or not. The applicable charges are:

    Duration Effective interest rate Service charge
    6 months 17.6% 5%
    12 months 9.5% 5%

    Fees And Charges

    Annual fee S$321
    Supplementary card fee S$160.50
    Interest rate (annual) 25.9%
    Late payment charges S$80
    Cash advance fee 6%, subject to a minimum of S$15
    Interest on cash advance (annual) 28%
    Interest-free grace period 22 days

    If you do not pay your credit card dues or make the minimum payment required on time, a penal interest rate of 28% instead of 25.9% will be charged on the overdue amount.

    Overseas Use Of The Card

    On overseas payments, a Standard Chartered Priority Banking Visa Infinite Credit Card user will have to pay an administrative fee of 3.5% – 1% imposed by Visa and 2.5% charged by the bank – if you are paying in a foreign currency. If you are paying overseas in Singapore dollar, a dynamic currency conversion charge of 0.8% levied by Visa is applicable.

    Cash Withdrawals

    You can use your credit card to take small loans if you require some money at short notice. This cash advance can be taken without any further approval or credit check. You can withdraw the money using your credit card either from one of the Standard Chartered bank ATMs in Singapore, or from any Visa Plus or MasterCard Cirrus ATMs overseas. Alternatively, you can visit any Standard Chartered branch or a Visa/MasterCard participating bank to get your cash advance. You have to borrow at least S$50, a cash advance fee of 6% or S$15, whichever is higher, will be charged, and the interest rate is 28%.

    How To Apply For Standard Chartered Priority Banking Visa Infinite Credit Card

    The eligibility criteria and document requirements are not available for the Priority Banking Visa Infinite Credit Card because it can only be availed by invitation. You can try your luck by sending an online request to the bank. For this:

    • Visit the Standard Chartered website and go to the Priority Banking section.
    • Select the card name. At the end of the card’s page, you will be able to input your name and contact information and the option to book an appointment with bank executives.
    • The bank will get in touch with you and inform you whether you are eligible. If yes, the executives will help you take your application forward.

    Repayments

    Every month, you are required to repay 1% of credit card bill plus finance charges and past dues, amounting at least to $50. The bill payment can be done in the following ways:

    • By cheque, mailed to the bank at least 2 days before your due date. Mention your credit card number behind the cheque leaf.
    • Through cheque deposit machines
    • By cash at any Standard Chartered branch or cash deposit machines
    • By phone banking (1800 747 7000)
    • Using internet banking
    • By activating recurring Interbank GIRO transfer
    • At AXS Stations
    • At SingPost SAM counters

    Card Protection Scheme

    Standard Chartered offers CardSafe Guarantee, a vigilance programme that keeps an eye on your online transactions and protects you from liability towards cyber fraud on your card. This scheme protects you only from online threats. The bank employs a fraud detection system to monitor unusual spending activities on your card. You receive SMS alerts and a One-Time Password for 3D secure payments on your registered mobile number to ensure maximum security.

    Reporting Lost/Stolen Credit Cards

    Your maximum liability for unauthorised or fraudulent transactions on your credit card is just S$100. However, this is applicable only if the following measures are taken by you:

    • You must call Phone Banking and get your card blocked as soon as you find it missing from your person.
    • You must notify the bank of the loss, theft or misplacement of the card in writing.
    • You must file a police complaint and take all legal steps to help retrieve the missing card and recover the transactions made illegally.
    • You can convince the bank that you had no hand in the deceit and that the loss of card of PIN is not due to your negligence or default.

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