Standard Chartered Visa Infinite Card is one of the best luxury travel cards for those who frequently travel for business and spend a lot of time overseas. Especially for those who don’t have a particular bank loyalty, Standard Chartered Visa Infinite Card provides a rich mix of high award miles, hotel benefits and luxurious perks. For busy business travelers who have the money to spend but not much time for leisure, Standard Chartered Visa Infinite Card could help to squeeze every ounce of happiness and joy out of your time in style.
Pros of Standard Chartered Visa Infinite Card
- 1.4 miles and 3 miles for every S$1 spent locally and overseas, respectively.
- Luxurious perks: Hilton HHonor Gold status, discounts on Uber rides globally, complimentary VIP lounge access, and Gold Class Infinite Experience Package (i.e. discounts for golf clubs, yachts and private jets)
- Promotion: 20% discount on Uber fares globally (max $50 rebate each month, $600 min monthly spend)
- Bonus: Welcome bonus of 35,000 miles (or 15,000 miles and a Samsonite 28" luggage)
Cons of Standard Chartered Visa Infinite Card
- Expensive annual fee of S$588.5 and no waiver
What makes the Standard Chartered Visa Infinite Card stand out
Standard Chartered Visa Infinite Card is one of the best travel credit cards available in the market, if you can afford it. With S$588.5 of non-waivable annual fee, this card is one of the most expensive cards to own. Also, unless you are a Priority Banking customer for Standard Chartered, you will have to earn at least S$150,000 annually to be eligible card. If you are a Priority Banking customer, however, the requirement comes down dramatically to S$30,000 annually for Singapore locals, and S$60,000 for foreigners. Standard Chartered Visa Infinite Card helps to offset some of this fee with a 35,000-mile bonus award when you apply and pay the annual fee, which could be valued anywhere between S$350 and S$2,800 depending on how you redeem your miles.
Standard Chartered Visa Infinite Card boasts an unmatched air mile award program in the country. It rewards you with flat award rate of 1.4 miles for every S$1 you spend locally, which is matched only by another one of our favorites UOB PRVI Miles American Express Card. For overseas spend, you will get an incredible 3 miles per S$1, the highest of its kind in Singapore. The only caveat is that you have to spend S$2,000 every month to benefit from this rich reward program. You still get 1 mile per S$1 spend if you don’t exceed $2,000 of monthly spend, but that isn’t enough to offset the extra fee you have to pay to use this card. This is what we call “pay to play.”
Given the high travel mile award coupled with high spending limit, we think this card is best for frequent business travelers with a relatively high spending habit. For example, if you spend spend a lot of time abroad because of work, you likely will be spending quite a bit of money overseas as well. Just S$10,000 of annual overseas spend can earn you 30,000 miles. Since you are a business traveler, miles used for short haul to long haul business class tickets can be valued somewhere around S$0.03 to S$0.06, which will put the value of your miles somewhere between S$900 and S$1,800. This could more than make up for the high fee you have to pay.
To help meet your high end needs, Standard Chartered Visa Infinite Card provides a number of luxurious benefits like: 10% cash rebate for every Uber ride worldwide, 6 complimentary visits to over 850 airport lounges annually, discounts on your private jet, yacht & golf club use, complimentary travel insurance, Hilton HHonor Gold status, and various discounts at a number of fine dining restaurants in Singapore.
Standard Chartered Visa Infinite Card's Features and Benefits:
- Expensive annual fee of S$588.5, one of the highest in the country, no waiver
- High salary requirement of S$150,000 if you are not a Priority Banking customer (S$30,000 or S$60,000 for Singapore residents or foreigners, respectively)
- 1.4 miles awarded for every $1 spent with min spend of S$2,000 per month, highest available in the market for travel cards
- All spends below S$2,000 will earn 2.5 points or 1 mile for every S$1 spent.
- 3 miles awarded for every $1 spent overseas, highest available in the market for travel cards
- Miles never expire
- Get 20% Cashback when you pay using your Standard Chartered Card with Apple Pay
- Automatic and immediate Hilton HHonor Gold status
- Gold Class Infinite Experience Package for your golf, private jet and yacht access
- Promotion: 15,000 miles for people who spend S$12,000 in first 60 days
- Bonus: Welcome bonus of 35,000 miles (or 15,000 miles and a Samsonite 28" luggage)
How Does Standard Chartered Visa Infinite Credit Card Compares Against Other Cards?
Compare Standard Chartered Visa Infinite card with other cards in the market and learn how they are different. We assess this card's strengths and weaknesses against those of similar cards to help you evaluate which card is best for you. Note that the dollar value for SC Infinite and OCBC Voyage cards have been calculated based on a monthly spend of S$4,000, which is about 2x the average we're assuming for other cards. This is because these two cards are designed for high-spenders who may care more about intangible benefits like airport lounge access and travel insurance, whose values are difficult to assess in dollar terms. Because of these benefits that are difficult to quantify, you do not recommend you to choose your card solely based on these dollar values.
Standard Chartered Visa Infinite vs UOB PRVI Miles American Express Card
UOB PRVI Miles American Express Card is a great alternative for any luxury travel cards for those of you who care more about annual fee and earning miles than luxurious perks like free lounge access or flexible travel benefits. UOB PRVI Miles American Express Card provides top of the class mile rewards comparable to other luxury cards at less than half the cost of S$256.8 annual fee (waived for 1st year). Its travel mile award is actually better than other luxury cards at 6 miles per S$1 spent on travel booking. This card also provides global perks through American Express Selects. The downside of this card, though, is that its miles expire every 2 years, whereas Standard Chartered Visa Infinite Card’s miles never expire. Also, while Citi Prestige MasterCard Credit Card and Standard Chartered Visa Infinite Card provide a gold status for some of the biggest hotel chains in the world (SPG and HHilton memberships), UOB PRVI Miles Card lags on this front, though you do receive some very limited hotel benefits.
Lastly, Standard Chartered Visa Infinite Card definitely has a richer bonus loyalty program that awards 35,000 miles for the annual fee of S$588.5 (1.7 cents per mile), as opposed to UOB PRVI Miles Card that requires you to spend S$50,000 a year (over S$4,000 a month) to earn bonus 20,000 miles (about S$2 per mile), a hefty budget for most people. If you don’t mind the annual fee, Standard Chartered Visa Infinite Card could provide a faster way to rack up your miles. If you travel very frequently and would rather save on annual fee than enjoy luxurious but unnecessary perks, UOB PRVI Miles Card could be a better choice than Standard Chartered Visa Infinite Card.
Standard Chartered Visa Infinite vs Citi Prestige MasterCard
Citi Prestige MasterCard Credit Card is another luxury travel cards we have reviewed with its own set of luxurious benefits. First of all, your choice should depend on who you bank with. If you bank with Standard Chartered, you might find it more beneficial to use Standard Chartered Visa Infinite Credit Card, and vice versa. The main difference between the two cards is that Standard Chartered Visa Infinite Credit Card awards you 1.4 miles for your local spend and 3 miles your overseas spend, higher than what Citi Prestige MasterCard Credit Card’s 1.3 and 2 miles, respectively. While two cards seem to have similar annual fees (S$535 for Citi Prestige MasterCard Credit Card, S$588.5 for SC Visa Infinite Credit Card), the Citi Prestige MasterCard Credit Car is definitely the cheaper option due to its 1st year waiver vs SC’s no waiver. That’s almost S$600 difference in cost of just holding the card!
Given this, we think Standard Chartered Visa Infinite Credit Card suits frequent business travelers more so than Citi Prestige Card MasterCard Credit Card. For example, miles used for short haul to long haul business class tickets are valued somewhere around S$0.03 to S$0.06. If you spend S$5,000-S$10,000 overseas per year, you can more than make up for the difference in annual fee difference. Otherwise, Citi Prestige MasterCard Credit Card could be more suitable for a casual but affluent traveler.
Standard Chartered Visa Infinite vs OCBC Voyage Card
OCBC Voyage Card is the latest addition to the luxury travel card market. While it has a slightly lower annual fee of S$488, it’s difference of only S$100 and OCBC Voyage Card doesn’t also provide any waiver. One of the biggest differences between the two cards, in our opinion, OCBC Voyage Card’s “anytime, any flight” redemption program. Most mile award programs have specific flights blacked out and require you to book in weeks or months in advance. If you have unpredictable schedules and want to enjoy sporadic trips abroad, OCBC Voyage may be the best card in the market. We think this is a key feature that is extremely valuable for young professionals who may not have visibility into their schedule weeks in advance.
Also, OCBC Voyage is the only luxury travel card to award 2.3 miles for S$1 spent on dining, whereas Standard Chartered Visa Infinite Card only provides 1.4 miles for dining. So if your expense is concentrated around dining out, OCBC Voyage can earn miles faster for you than Standard Chartered Visa Infinite Card will. However, if you are looking for a more versatile and well-rounded luxury travel card to use on all your expenses, Standard Chartered Visa Infinite Card could be a better fit for you since OCBC Voyage only gives you 1 mile for expenses outside of local dining, very low level compared to other luxury cards’ 1.2-1.4 miles per S$1 spent locally.
*ValuePenguin calculates the dollar value of rewards based on S$2,000 of monthly spending. We sum the value of points, miles and cashback in dollar terms and subtract the annual fee over a 24-month period. The estimates here are ValuePenguin's alone, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. ^OCBC Voyage and Standard Chartered Visa Infinite cards' dollar values are calculated based on S$4,000 of monthly spending, as they are designed for high spenders.