Standard Chartered Priority Visa Infinite
KeepForty lounge visits a year, for zero rupees a year.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays from the first rupee
At ₹1,000 a month — ₹12,000 a year — on the everyday mix this card returns ₹200 gross (earn ₹200) against its ₹0 fee = ₹200 net — at or above ₹0 from the first rung we price. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
3 notes on the card itself: how it is issued · the network variants · why it ranks #32
Why #32 Forty complimentary lounge visits a year for a fee of exactly nothing — sixteen domestic at four a quarter, twenty-four international at two a month — is the best lounge-per-rupee arithmetic in India, and it earns a flat 2% while it does it. What keeps it here rather than higher: the 5x rate on overseas spend is handed straight back at a 3.5% forex markup, the international half needs ₹30,00,000 parked with the bank, and Standard Chartered points reach no airline, so every point stops at ₹1.
Denied or downgraded? The head-to-heads: Standard Chartered Beyond.
The take
On the raw quota this is the best free lounge card in India, and Standard Chartered barely advertises it. Sixteen domestic visits a year — four every calendar quarter, complimentary for every cardholder on the Visa programme — plus twenty-four international visits at two a month on Priority Pass, and the annual fee in both column one and column two of SC's own tariff sheet reads Nil. The earn is a clean 2% flat at a fixed ₹1 a point, rising to 5% on overseas spend and retail fashion. Read that 5% carefully though: every overseas transaction carries a **3.5% markup**, so abroad you are netting about a point and a half, and the international lounge visits switch on only above ₹30,00,000 of Funds Under Management. The honest way to hold this card is as the free floor of a Standard Chartered relationship — the thing you keep for the doors it opens while a transferable-points card does the flying. It is also the yardstick for the Beyond above it: what ₹15,000 of joining fee actually buys is unlimited access and a 2% markup, not the lounge count.
Your renewal — keep, downgrade or cancel
This card is lifetime free. There is no fee due, no renewal to weigh, and nothing to cancel to save.
Keep, downgrade or cancel
nothing due at the anniversary · 5 spend bands
The charge ₹0 — lifetime free
At your spend
₹6,000 a year at ₹3,00,000 of annual spend
₹12,000 a year at ₹6,00,000 of annual spend
₹24,000 a year at ₹12,00,000 of annual spend
₹72,000 a year at ₹36,00,000 of annual spend
₹1,20,000 a year at ₹60,00,000 of annual spend
Everyday earn plus milestones, with no fee to subtract — the same model as the value panel above, so the two cannot disagree. run your exact spend →
The downgrade
Standard Chartered publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- 16 domestic lounge visits a year — 4 per calendar quarter, complimentary for all cardholders
- 24 international lounge visits a year via Priority Pass (2 a month) above ₹30,00,000 FUM
- No joining fee, no annual fee, no spend condition — SC's tariff sheet prints Nil in both fee columns
- 5 reward points per ₹100 on retail fashion and overseas spend, 2 per ₹100 on everything else, at ₹1 a point
- Overseas air-accident cover of ₹1 crore and US$25,000 of medical insurance, complimentary
Watch out
- 3.5% forex markup — the highest on any card we rank at this level, and it cancels most of the 5x overseas rate
- Priority Pass used at a DOMESTIC lounge is chargeable; the free domestic visits come from the Visa programme instead
- The 24 international visits need ₹30,00,000 of FUM at individual account level and the card active that month
- No transfer partners at all — ₹1 a point in the 360° catalogue is the ceiling, minus ₹99 per redemption
- SC is transferring its India card book to Federal Bank after 31 Jul 2026 and has published no card-level list; this card hangs off the Priority Banking relationship, not the card portfolio
What these points actually fly
No live transfer route takes StanC 360° Reward Points into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
What earns, what doesn't
1 sourced rule
Base 2 reward points per ₹100 at a fixed ₹1 a point, 5 per ₹100 on overseas and retail-fashion spend. SC publishes no category exclusion list for this card, so every category it does not name is left unanswered rather than assumed.
per Standard Chartered T&C · rank every card by spend category →
Lounge access
701 of 793 tracked doors
Gate: Domestic visits are complimentary for all cardholders with no spend gate; the international visits need ₹30,00,000 of FUM at individual account level and the card active that calendar month. Priority Pass used at a DOMESTIC lounge is chargeable
Opens 701 of 793 tracked lounge doors across 290 airports , via Priority Pass Global — see the full map →
Can you get it?
income, age and the route in
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Invite-only — there is no public application form. The bank calls you.
The relationship is the application: there is no Apply Now on the product page, because the card is reserved for Standard Chartered Priority Banking clients and comes complimentary with that status. SC publishes the usual credit-card conditions on top — age 21 to 65, a stable monthly income, an address in one of its card-sourcing cities — but it prints no income floor for this variant. Ask your Priority relationship manager; and if the international lounge visits are the reason you want it, note that they need ₹30,00,000 of Funds Under Management at individual account level, not household level.
per the official Standard Chartered MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
6 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
Reserved for Standard Chartered Priority Banking clients and complimentary with the relationship — the product page says "The privileges of the Priority Visa Infinite credit card are complimentary for our Priority Banking clients", and SC's bank-wide tariff table prints Nil in both the Annual Fee (Year 1) and Annual Fee (Year 2 onwards) columns of its Visa Infinite row. The ₹250 first-year and renewal figures elsewhere on the same page answer a Platinum Rewards question sharing the accordion and are NOT this card's. Earn 5 reward points per ₹100 spent overseas or on retail fashion and 2 per ₹100 on everything else — note the ₹100 denominator, unlike Beyond's and Ultimate's ₹150 — at a fixed ₹1 a point in the 360° catalogue, minus ₹99 a redemption. Lounges: the Visa domestic programme gives 4 complimentary domestic accesses per CALENDAR QUARTER (16 a year), complimentary for all cardholders with no spend gate; Priority Pass gives 2 international accesses a month (24 a year), gated on Funds Under Management of ₹30,00,000 at individual account level and the card being active in that calendar month. Using the Priority Pass at a DOMESTIC lounge is chargeable at the operator's rate. Complimentary overseas air-accident cover of ₹1 crore and medical insurance of US$25,000, plus baggage-delay, lost-baggage, hijacking and flight-delay covers. Reward points reach no airline and no hotel programme, and lapse about 3 years after they are earned.
per the official Standard Chartered MITC · reviewed 10 Jul 2026
What's changed for this card
3 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 15 Oct 2024EaseMyTrip card loses Priority Pass, domestic visits halved1 complimentary domestic lounge visit per quarter + Priority Pass with 2 international visits a year → 2 domestic visits per calendar year; no Priority Pass, no complimentary international lounge access
The travel co-brand quietly stopped being a travel card: from 15 October 2024, Standard Chartered pulled Priority Pass from the EaseMyTrip card entirely and cut domestic lounge access from four visits a year to two. International lounges are now pay-per-visit at rack rates. What's left is a ₹350 EaseMyTrip discount coupon — which, to be fair, is what it always really was.
- 25 Aug 2024Ultimate's forex settles at a clean 2% at posting
- 2 Apr 2023Ultimate cuts six categories from 3.33% to 2%
Verified against Standard Chartered's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 5 of them, each with the day we read it
- official Product page + FAQ — "4 complimentary access per calendar quarter on domestic Lounges in India", 2 international a month on Priority Pass above ₹30 Lakh FUM, 5 RP/₹100 overseas, 2 otherwise
- official Tariff table — the Visa Infinite row prints Nil for Annual Fee (Year 1), Annual Fee (Year 2 onwards) and supplementary cards; overseas transactions carry a 3.5% fee except on the Ultimate
- official Rewards-points expiry FAQ — points lapse about three years after they are earned, written off in quarterly batches
- official Federal Bank migration FAQ — the card relationship transfers after 31 Jul 2026; consent via I Agree, SMS ACCEPT or continued use
- official Standard Chartered domestic lounge programme — the 59-row "other Standard Chartered Credit Cards" Visa table, not Beyond's 83