Standard Chartered Priority VISA Credit Card
Standard Chartered Bank
Expert Rating
₹0
₹0
3.5%
40 visits/yr
Contents
Standard Chartered Priority VISA Credit Card is a premium Visa Infinite credit card designed exclusively for Priority Banking customers who want luxury travel, airport lounge access and elite lifestyle privileges. You earn accelerated reward points on overseas and retail fashion spends, along with steady rewards on all other everyday transactions. The card is typically lifetime free for Priority Banking clients and comes with strong travel insurance, air accident cover up to ₹1 crore, and global concierge assistance. It is best suited for high-income frequent travellers and HNIs who want airport lounge access, Priority Pass, reward points and premium banking recognition from a single high-end credit card.
Features of Standard Chartered Priority VISA Credit Card which makes it unique
Exclusive Priority Banking Only Proposition
The Standard Chartered Priority VISA Credit Card (Visa Infinite) is reserved for Priority Banking clients, combining premium credit card benefits with exclusive relationship banking privileges.
Helps consolidate banking, wealth and credit card benefits into one premium relationship with global Priority recognition.
More exclusive than most regular premium travel cards that are open to the general public.
Strong Lounge Access Mix
Combines complimentary domestic airport lounge visits through the Visa Infinite lounge programme with international lounge access via Priority Pass for qualified clients.
Ideal for frequent flyers who want free airport lounge access in India and abroad without paying high annual fees.
Competes with other top airport lounge credit cards while remaining lifetime free for many Priority clients.
Rewards Structure of Standard Chartered Priority VISA Credit Card
Overseas & Retail Fashion Spends
acceleratedEligible transactions made overseas or at fashion and apparel outlets in India and abroad.
Best used for international travel, foreign currency transactions and branded fashion shopping to maximise reward points and overall reward rate.
All Other Retail Spends
baseAll other eligible domestic retail transactions excluding fuel, rent, wallet loads, government payments and other excluded categories as per T&Cs.
Everyday spends such as dining, groceries, utilities and online shopping still earn base reward points, though at a lower effective rate than fashion and overseas spends.
Excluded & Low-Reward Categories
baseFuel, rental payments, wallet loads, cash advances, fees, EMIs, government charges and any merchant categories excluded by the bank.
Always check the latest Standard Chartered Priority Visa Infinite rewards T&Cs to confirm if a transaction type is eligible for reward points.
Milestones of Standard Chartered Priority VISA Credit Card
Priority Relationship Benefit
Maintain around ₹30 lakh Funds Under Management with Standard Chartered Priority Banking (indicative). : Lifetime free Priority Visa Infinite Credit Card, enhanced lounge access via Priority Pass and premium Priority Banking privileges.
Fees & Charges of Standard Chartered Priority VISA Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 3% |
| Late Payment Fee | ₹1,200 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | ₹300 |
Renewal Conditions:Lifetime free for eligible Standard Chartered Priority Banking clients; fees may apply if your Priority relationship is downgraded as per bank policy.
Fee Explanation Priority Visa Infinite is lifetime free for qualified Priority Banking customers. Finance charges are typically around 3.75% per month (45% p.a.). Cash advances attract 3% of the withdrawn amount (min ₹300), foreign transactions are charged at a 3.5% markup plus taxes, late payment fees follow a slab-based structure up to ₹1,200, and overlimit usage is usually 2.5% of the overlimit amount or a minimum of ₹500, as per the latest schedule of charges and credit card T&Cs.
Lounge Access Benefits with Standard Chartered Priority VISA Credit Card
domestic Lounges
silverVisits per year: 16
Guest access: No
Up to 4 complimentary domestic airport lounge visits per calendar quarter for the primary cardholder at participating lounges in India.
international Lounges
silverVisits per year: 24
Guest access: No
Complimentary Priority Pass membership with up to 2 free international lounge visits per month for qualified Priority Banking clients; extra visits chargeable as per Priority Pass T&Cs.
Insurance Coverage with Standard Chartered Priority VISA Credit Card
Air Accident Insurance
₹1,00,00,000Complimentary air accident cover for the primary cardholder when travel tickets are booked using the Standard Chartered Priority VISA Credit Card, as per the group policy terms.
Travel Medical Insurance
Up to USD 25,000 equivalentEmergency overseas medical and travel assistance benefits available when travelling abroad with tickets purchased using the card, as per insurer’s policy wording.
Lost Card Liability Cover
₹1,00,000Cardholder is protected against unauthorised transactions post-reporting of loss to the bank and subject to the zero-liability policy conditions.
Additional Features of Standard Chartered Priority VISA Credit Card
Visa Infinite Concierge
24x7 global concierge service for travel planning, hotel and restaurant reservations, golf bookings and lifestyle assistance.
Offered by Visa; all reservations and bookings are subject to partner availability and programme terms.
Priority Banking Privileges
Enjoy dedicated relationship management, priority service queues, preferential pricing on select banking products and global Priority recognition.
Available only while maintaining the required Priority Banking relationship with Standard Chartered.
Contactless Payments
Tap to pay for small-ticket purchases at compatible POS terminals without entering PIN up to the regulator-approved limit.
Higher value transactions will require PIN; tap-and-pay can be disabled via customer care or net banking/app.
Free Add-on Cards
Complimentary add-on Priority Visa Infinite credit cards for eligible family members.
Primary cardholder remains fully liable for all transactions on add-on cards.
Welcome Bonus with Standard Chartered Priority VISA Credit Card
Welcome Bonus: NA
Bonus Conditions: No fixed welcome bonus for Priority Banking clients; only limited-period promotional offers may be launched by the bank from time to time.
Application Process for Standard Chartered Priority VISA Credit Card
Processing Time
7–10 working days after successful document verification for most approved applications.
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Ensure that you qualify for Standard Chartered Priority Banking by meeting the required relationship value and eligibility criteria.
Visit the Standard Chartered India website and navigate to the Priority Visa Infinite credit card section or contact your Priority Relationship Manager.
Submit the credit card application form with accurate personal, income and KYC details along with the required documents.
Complete any additional verification or tele-verification requested by the bank.
On approval, the Standard Chartered Priority VISA Credit Card is dispatched to your registered address and must be activated as per the bank’s instructions.
Required Documents for Standard Chartered Priority VISA Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self_employedAccepted documents:
Standard Chartered Priority VISA Credit Card Merchant Acceptance Network
Domestic Acceptance
Very strong acceptance across major metros, Tier-I and Tier-II cities in India at almost all Visa-enabled POS terminals.
International Acceptance
Widely accepted at millions of Visa merchants and ATMs worldwide, making it suitable for frequent overseas travellers.
Online Acceptance
Works on leading Indian and international e-commerce, travel, food delivery and subscription platforms that accept Visa.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Standard Chartered Priority VISA Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
750+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹100,000
Minimum annual income
Self-Employed Applicants
₹150,000
Minimum annual income
Who Can Apply
Important Conditions
- Available primarily to Standard Chartered Priority Banking clients who maintain the required relationship value (typically around ₹30 lakh Funds Under Management). Applicants should have stable income, a good repayment profile, valid PAN, Aadhaar and meet the bank’s internal eligibility and KYC norms.
How Approval Is Decided
- Minimum age of 21 years and generally not more than 65 years at the time of application.
- Indian resident with valid KYC documents including PAN and Aadhaar.
- Stable monthly income and good credit profile with a high credit score and clean repayment history.
- Maintenance of required Priority Banking Funds Under Management and satisfactory overall relationship with Standard Chartered Bank.
Pros of Standard Chartered Priority VISA Credit Card
- Lifetime free for eligible Standard Chartered Priority Banking customers, making it a cost-effective premium travel card.
- Strong lounge access benefits with complimentary domestic and international airport lounge visits.
- Higher reward points on overseas and fashion spends suitable for global travellers and luxury shoppers.
- Comprehensive travel and air accident insurance benefits aligned with premium HNI usage.
Cons of Standard Chartered Priority VISA Credit Card
- High foreign currency markup of around 3.5%, which reduces net value on international transactions compared to low-forex cards.
- Base reward rate on non-fashion domestic spends is relatively modest versus many other premium credit cards.
- Exclusively targeted at Priority Banking clients, so not easily accessible for beginners or mass-segment users.
Frequently Asked Questions about Standard Chartered Priority VISA Credit Card
Who should apply for the Standard Chartered Priority VISA Credit Card?
This card is best for high-income Priority Banking clients and HNIs who travel frequently, value airport lounge access and want a premium Visa Infinite credit card that is often lifetime free.
Is the Standard Chartered Priority VISA Credit Card lifetime free?
Yes, for eligible Priority Banking clients the Priority Visa Infinite card is generally lifetime free with zero joining and annual fee, while non-Priority customers may face different pricing.
How many airport lounge visits do I get with this Priority Visa Infinite card?
You typically get up to 4 complimentary domestic lounge visits per quarter via Visa Infinite and around 2 complimentary international lounge visits per month via Priority Pass, subject to Priority Banking qualification and latest T&Cs.
What rewards can I earn on this Standard Chartered Priority Visa Infinite credit card?
You earn higher reward points on overseas and retail fashion spends and base reward points on most other domestic retail transactions. Redeem them for flights, hotels, vouchers and merchandise via the Standard Chartered rewards portal.
Is this a good credit card for international transactions?
Reward earnings on foreign currency spends are strong, but the forex markup of about 3.5% plus taxes is on the higher side, so it suits affluent travellers who prioritise lounge access and convenience more than pure forex savings.
Can non-Priority customers get the Standard Chartered Priority Visa Infinite Credit Card?
In most cases, you must first qualify for Priority Banking by maintaining the required relationship value. Only then will the bank consider issuing the Priority Visa Infinite credit card, based on its internal credit policy.
How do I apply for the Standard Chartered Priority VISA Credit Card?
You can start on the Standard Chartered India website, choose the Priority Visa Infinite credit card page and then contact your Priority Relationship Manager, or request the card through Priority phone banking or at a Priority branch.
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