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    Standard Chartered Visa Infinite Credit Card

    The Standard Chartered Visa Infinite Credit Card offers travel and lifestyle privileges to cardholders with exclusive deals to Visa Infinite members. You will earn air miles on every S$1 that you spend on this credit card. You can accumulate as many miles as you wish and go for a grand redemption as your miles will never expire on this card. Additionally, you will receive multiple complimentary passes to VIP airport lounges for yourself and your family members through the Priority Pass Lounge Programme. You can leave for the airport with complimentary airport transfers across the world.

    Enjoy a completely hassle-free experience on all your trips with the Visa Infinite Concierge and Emergency Service access 24/7. This card comes with a complimentary insurance cover of up to S$1 million.

    Lifestyle privileges on this credit card include resort privileges at The Fullerton Spa and hotel privileges at Fairmont, Swissotel and Raffles. If you spend at least S$75,000 in 2017, you will get a complimentary luxury yacht for hire for 14 members for 4 hours.

    As a Visa Infinite principal cardholder, your golf privileges include complimentary green fees throughout the year at Sentosa Golf Club in Singapore.

    Apply for this credit card and choose to receive complimentary air miles or Luggage from Samsonite as your welcome gift.

    Standard Chartered Visa Infinite Credit Card Promotions

    • Uber: Until 30 September 2017, get 20% cashback on Uber rides across the world. The maximum cashback per month is S$50. The minimum purchases you need to make on the card to enjoy this cashback is S$600.
    • Caltex: Save up to 25.07% (16% upfront discount and 10.80% Visa Infinite discount) when buying Platinum 98 petrol with Techron at Caltex stations in Singapore. A minimum monthly spending of S$600 should be made to enjoy this rebate and the maximum rebate you can earn is S$250. The offer will expire on 31 December 2017.
    • Hotels.com: Get 12% concession on room reservations made through Hotels.com using the promocode SCBSG12. The booking should be made by 28 February 2018 and stay should not be after 31 May 2018.

    The Standard Chartered Visa Infinite Card is a luxury travel card with a large number of exclusive privileges such as VIP lounge access, Visa concierge, luxury yacht and cruise deals and amazing discounts at hotels and restaurants. The Visa Infinite cards can usually be obtained only if you have an invitation for it from the bank, but this card can be obtained without an invitation if you meet the eligibility criteria.

    Joining benefits/perks

    You can choose one of these options as welcome bonus for the Standard Chartered Visa Infinite Credit Card:

    • 35,000 miles
    • 15,000 miles plus a 28-inch Samsonite Lite-Shock Spinner worth S$950

    You need to ensure that the card is active for 6 months after getting approval for it, and no delayed payments or defaults have been made during this period. Otherwise you will not receive the welcome bonus.

    Features of Standard Chartered Visa Infinite Card

    The key features of the SC Visa Infinite Credit Card are listed below:

    • Fund transfers: You can transfer money from your Standard Chartered credit card to any savings or current account at low charges. You can also pay credit card bills and loan instalments of other banks using this service. The rates applicable on this service are tabulated below:
    Tenure Applied Interest Rate (p.a.) Processing fee Effective Interest Rate (p.a.)
    6 months 0% 1.99% 4.12%
    12 months 0% 4.5% 4.86%
    • Recurring bill payments: You can link bills from entities such as Prudential Insurance, StarHub, M1, California Fitness, and selected Town Councils to your credit card and make payments with standing instructions. This will spare you the need to remember due dates and miss payments, because once the bills are linked, payments will be made from the credit card directly as soon as the bill is generated.
    • Mobile payments: The SC Visa Infinite Credit Card is equipped with mobile payment options such as Samsung Pay, Android Pay and Apple Pay. You can also use this card for contactless payments.
    • Income Tax payment: You can pay your income tax through this credit card and also earn rewards points at the same rate as your regular spends.

    Rewards offered by Standard Chartered Visa Infinite Card

    • You earn 1.4 miles (3.5 Rewards Points) per S$1 on local spends and 3 miles (7 Rewards Points) per dollar spent overseas. To get this, you need to spend at least S$2,000 per month.
    • If your monthly spend is lower than S$2,000, then you will earn 1 mile on local spends and 2.5 miles on overseas expenses.
    • The miles are credited in the form of reward points that have to be converted when you want to redeem flight tickets with Singapore Airlines under the KrisFlyer programme. The points do not expire, so you can collect as many as you want for unlimited Singapore Airlines flight tickets throughout the year.
    • The points can be converted to miles in blocks of 2,500; which means that for every 2,500 points you accrue, you can get 1,000 KrisFlyer Miles. The miles redemption process would take around 5 to 7 business days. A conversion fee of S$25 is applicable for every redemption you make.

    Benefits of Standard Chartered Visa Infinite Card

    Here are some of the reasons why having an SC Visa Infinite Card can be of great help to you:

    • VIP Lounge Access: You can access Priority Pass lounges in Singapore and abroad 6 times in a year. The free visits are applicable for the cardholder plus one guest. Following the sixth visit, you will be charged S$38 for lounge entry.
    • Uber cash rebates: This card earns you 10% cash rebate on Uber rides across the world. The maximum cash rebate you can earn for Uber is S$400 per year. The ride has to be booked through Uber Mobile App to enjoy the benefits.
    • Golfing specials: Green fee at the Sentosa Golf Club is waived for Visa Infinite cardholders.
    • Hotel and resort exclusives: You can access elite hotel and resort collections at special prices through various programmes. Some of the offers are:
      • Visa Preferred Hotels & Resorts – 10% discount on room rates plus free breakfast for two
      • Visa Appetite to Stay – Dining credits worth S$25, complimentary breakfast, and room upgrades at Swissotel, Raffles and Fairmont hotels
      • Hilton Hotels – Expedited Gold membership status on the HHonors loyalty programme
      • The Fullerton Hotels – Free entry to the health centre and spa facilities twice a month and discounts on massage treatments; free cake in your birthday month at its restaurants; and 20% discount at Jade, Post Bar, The Courtyard, The Lighthouse Restaurant & Rooftop Bar, Town Restaurant, La Brasserie, Lantern, The Clifford Pier, and The Landing Point restaurants.
    • Luxury yacht privileges: If you spend S$75,000 or more in 2017, you can sail in a free luxury yacht cruise for 4 hours for up to 14 people.
    • Gold Class movie experience: You can buy the Gold Class Infinite Experience Package for two at exclusive rates and enjoy the weekend with your friends or family at the movies.
    • Special perks for Priority Banking customers: Priority Banking customers of Standard Chartered can also get rewards points on savings and current accounts, fixed deposits, certain mortgage loans, and investments, if you spend at least S$500 per month on the Visa Infinite card.
    • Visa Infinite Concierge and Emergency Service: All Visa Infinite credit cards come with this privilege. You can call the concierge and seek help with bookings and lifestyle requirements such as travel planning, event tickets, restaurant table reservations, etc. You can seek the help of emergency services if you lose your card and need an urgent replacement while travelling.
    • Overseas car rental perks: You can save up to 37% on international car rentals through Auto Europe in more than 20,000 cities. You will also receive the ‘Best Car Rental Price Guarantee’.
    • The Good Life privileges: The Good Life is the Standard Chartered discounts programme. You can get exclusive and constantly updated promotional offers in travel, shopping, online shopping, dining, nightlife, health and fitness, beauty and wellness, and leisure.

    Insurance provided by Standard Chartered Visa Infinite Credit Card

    The Standard Chartered Visa Infinite Credit Card comes with free travel insurance. This can be obtained if you buy all your flight tickets using the card. The insurance policy is underwritten by MSIG Singapore. The coverage offered is as listed in the table below:

    Coverage Maximum amount
    Personal Accident Cover S$1 million for persons up to the age of 69 S$500,000 for persons above 70 years  of age
    Overseas medical expenses S$50,000 for persons up to the age of 69 S$25,000 for persons above 70 years  of age
    Emergency medical evacuation and repatriation of mortal remains S$100,000 S$5,000 for compassionate visit
    Baggage delay $200 per six hours of delay, up to a maximum of S$1,000
    Loss of baggage S$1,000 per article, up to a maximum of S$5,000

    Instalment Payment Plans

    Standard Chartered has two kinds of instalment payment plans for you:

    1. EasyPay: This scheme is for transactions of S$500 or more and the tenors available are 6 months and 1 year. You can convert any eligible payment – taxes, retail purchases, travel spends, etc. – into EasyPay. You can apply for this facility either through internet banking or by calling the phone banking after your purchase is done. The interest charges for this plan are:
      Tenure Service fee Effective Interest Rate (p.a.)
      6 months 5% (S$150) 17.6%
      12 months 5% (S$150) 9.5%
    2. 0% Instalment Payment Plan (IPP): This plan can be obtained only at merchants who are participating in the programme. You need to ask before making the purchase whether the merchant accepts conversion of the bill into 0% IPP. There is no extra fee and you can choose tenures of up to 3 years. You can also earn rewards points/miles on purchases made through 0% IPP.

      Fees and charges

      The fees applicable on the SC Visa Infinite Credit Card are:

      Type of fee Amount payable
      Annual fee S$588.50
      Supplementary card fee NA
      Interest rate 25.9%
      Minimum monthly payment 1% of principal + interest, fees, charges + over-limit amount + past dues (minimum S$50)
      Late payment charges S$80
      Over-limit fee S$40
      Cash advance fee 6% of the withdrawn amount (minimum fee of S$15)
      Interest on cash advance 28% (0.077% per day)

    Transactions in foreign currencies

    When you pay using your credit card outside Singapore or on online shopping sites, the network – Visa in this case – converts the amount from the foreign currency to Singapore dollars as per the day’s exchange rate. If the payment is in US dollars, then the conversion is done directly to Singapore dollars. If the transaction is done in another currency, then it is first converted to US dollars and then into Singapore dollars. Transaction in foreign currencies is subject to a foreign currency fee of 3.5% of the paid amount – which includes 1% fee by Visa and 2.5% by Standard Chartered.

    Dynamic Currency Conversion (DCC) is another option available at certain ATMs, merchants and websites. Here, the amount is directly converted to Singapore dollars instead of routing through USD. Visa charges 0.8% fees on DCC. Visa also charges a fee of 0.8% if you pay directly in Singapore dollars instead of using currency conversion.

    Overseas use of the card

    Before you can use your credit card outside Singapore, you need to activate the magnetic stripe at the back of the card for foreign use. Magnetic stripes are not in use in Singapore any more, so they are in a deactivated state. Singapore uses the EMV chip technology in credit and debit cards, but many countries still use the magnetic stripe. You can activate it through phone banking or internet banking before you leave Singapore.

    Cash withdrawals

    Cash withdrawals or cash advance is an emergency cash option available on your credit card. In case you are short of cash, you can withdraw money from your credit card, which will be considered as an unsecured loan. The money can be withdrawn from ATMs using your credit card PIN, or through funds transfer via internet banking. This service is separate from Standard Chartered’s Funds Transfer option. Cash advances are subject to a fee of 6% of the amount withdrawn, and an interest of 28% – 0.077% per day – will be charged on the withdrawn amount. There is no interest-free period on cash withdrawals and interest is levied from day one. The interest charges and pending amount will be shown every month in your next credit card statement.

    How to apply for Standard Chartered Visa Infinite Credit Card

    You can apply for the SC Visa Infinite Card online either on the bank’s website or on third party websites. You could also go to the nearest Standard Chartered branch and request for the application. You have to submit the required documents either online in scanned copies or photocopies when applying at a branch.

    Eligibility criteria for Standard Chartered Visa Infinite Credit Card

    You have to meet the following parameters if you want to get this credit card:

    • Minimum age: 21 years
    • Maximum age: 65 years
    • Minimum income per year:
      • Priority or Private Banking customers:
        • Singapore Citizens and Permanent Residents: S$30,000
        • Foreigners with Employment Passes: S$60,000
      • Personal Banking customers: S$150,000
    • Employment Pass holders:
      • Foreigners must have P1, P2 or Q type Singapore Employment Passes
      • Q Pass should be valid of at least one year from the date of credit card application

    Documents required

    Every applicant needs to submit certain documents while applying for the credit card. Listed below are the documents that need to be submitted at the time of application:

    • Salaried individuals
      • Copy of NRIC
      • Latest computerised salary slips
      • CPF Contribution History statement for the last 6 months
    • Self-employed individuals
      • Copy of NRIC
      • 6 months’ latest bank statement
      • Latest Income Tax Notice of Assessment
      • Should have been in the business for at least 2 years
    • Foreigners
      • Passport copy
      • A copy of work permit or employment pass
      • A copy of telephone bill or utility bill
      • Latest salary slips

    Interest on Standard Chartered Visa Infinite Credit Card

    Standard Chartered charges an interest of 25.9% p.a. or 0.071% per day. If you make full payments every month, then an interest-free grace period will be given. This grace period would be from the date of transaction to the due date of the statement. If you make partial payments only, no grace period is available. If you fail to make payments in any month, then the next month, the interest rate will be increased to 28% p.a. until you pay at least the minimum monthly payment required.

    Repayments

    You can pay Standard Chartered credit card bills through internet banking, phone banking, through SMS, through GIRO, through the bank’s ATMs, through cash/cheque deposit machines, or even over the counter at a bank branch.

    Lost/stolen card liability

    If you lose your credit card or it gets stolen from you, then you are not held liable for the purchases made. The maximum liability that you can be subjected to under banking laws in Singapore is of S$100. This non-liability is applicable only if you have reported the loss of the card on time and if you are not found to have done anything fraudulent towards the misuse of the card.

    Card protection schemes

    Standard Chartered offers CardSafe Guarantee, a protection scheme for your credit card. CardSafe Guarantee protects you from fraudulent online transactions that are made without your knowledge through cyber theft. This is a free service and needs no enrolment either. Make sure you check your statements regularly and sign up for SMS alerts of payments made through the credit card.

    Reporting lost/stolen credit cards

    If your credit card is lost, misplaced or stolen, you need to block the number as soon as you can. You need to call the standard chartered credit card hotline number (separate for local and overseas calls) and report the loss of the card. The bank will blacklist the card and disable it. This will help prevent unauthorised use of the card by strangers. The onus of reporting the loss is on you as the cardholder.

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