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    Standard Chartered Priority Visa Infinite Credit Card

    As the name suggests, Standard Chartered Bank’s Priority Visa Infinite Credit Card is exclusively meant for SCB’s Priority Banking Clients. Only those who already have a Priority Banking account with SCB can apply for the credit card.

    With a zero annual fee, the Priority Visa Infinite Credit Card offers tailor-made services, exclusive privileges and rewarding experiences that match the lifestyle needs of the bank’s priority banking customers. The credit card is valid internationally and provides complimentary airport lounge visits at both domestic and international locations as well as air accident insurance cover along with the regular benefits.

    Read on to know in detail about the features and benefits of Standard Chartered Priority Visa Infinite Credit Card. You will also find fees and charges associated with the credit card, eligibility details and a lot more.

    Features And Benefits Of Priority Visa Infinite Credit Card

    Reward points programme: Earn 2 reward points on every Rs.100 spent on the card. 5 times more rewards points for overseas spends and retail fashion spends. Reward points can be redeemed for attractive gifts from rewards catalogue.

    Complimentary lounge access: Cardholders can avail four free visits to domestic airport lounges every quarter. The lounges are available at airports in Delhi, Mumbai, Chennai, Bangalore and Hyderabad.

    Free membership to airport priority pass programme: Get complimentary priority pass membership that provides access to more than 800 airports worldwide.

    Overseas air accident insurance: Cardholders can get free overseas air accident cover worth Rs.1.2 crore and medical insurance worth $25,000.

    Contactless payment technology: With an in-built contactless technology, the Visa Infinite Credit Card offers touchless payments at point of sale (POS) terminals.

    Pay in EMI: With ‘Kuch Bhi on EMI’ facility, SCB allows the cardholders to convert big purchases above Rs.5,000 into easy monthly instalments (EMIs).

    Dial-a-loan: Users can avail a loan up to Rs.5 lakh on their credit card repayable in tenures ranging from 12 to 60 months.

    Balance transfer at attractive interest rates: Transfer outstanding credit card balances on other bank credit cards up to Rs.5 lakh to SCB Priority Credit Card at attractive interest rates.

    Balance on EMI: Card users can convert their entire outstanding amount on the card up to Rs.5 lakh into EMIs without any processing fee.

    Fees And Charges Applicable On Priority Visa Infinite Credit Card

    Type of Fee

    Amount

    Joining fee

    NIL

    Annual fee

    NIL

    Supplementary card fee

    NIL

    Finance charges or interest rate on outstanding

    3.10% per month or 37.20% per annum

    Finance charges on cash transactions

    3.49% per month

    ATM withdrawal charges

    Outstanding less than 500 – Rs.100

    Rs.501 to Rs.2,000 – Rs.350

    Rs.2,001 to Rs.4,000 – Rs.500

    Rs.4,001 to Rs.20,000 – Rs.700

    Above Rs.20,000 – Rs.800

    Late payment fee

    Outstanding less than 500 – Rs.100

    Rs.501 to Rs.2,000 – Rs.350

    Rs.2,001 to Rs.4,000 – Rs.500

    Rs.4,001 to Rs.20,000 – Rs.700

    Above Rs.20,000 – Rs.800

    Over limit fee

    2.5% of over limit amount subject to a minimum of Rs.500

    Cash withdrawal fee

    3% of the withdrawn amount or Rs.300

    Overseas transaction fee

    3.5%

    Eligibility To Apply For Priority Visa Infinite Credit Card

    • Applicant should have a minimum age of 25 years and maximum of 65 years
    • Should have stable monthly income
    • Should belong to the cities or locations where the credit card is offered

    Documents Required To Apply For Priority Visa Infinite Credit Card

    • A copy of identity proof such as Aadhaar card, passport, PAN card, Voter’s ID or any other government ID.
    • A copy of address proof such as a driving licence, phone or electricity bill, rental agreement,credit card statement or bank account statement of other banks.
    • For salaried – one month pay slip.
    • For self-employed businessmen – Latest Income Tax Returns with computation of income and business continuity proof.
    • For self-employed professionals – Latest IT returns, business continuity proof or other bank credit card statement.

    How To Apply For Scb Priority Visa Infinite Credit Card?

    You can apply for Standard Chartered Bank’s Priority Visa Infinite Credit Card directly on the bank’s website or by submitting a filled-in application at any of the SCB branch offices. Follow the instructions mentioned below to apply for the credit card online.

    Steps to apply for Priority Visa Infinite Credit Card online

    • Go to Priority Visa Infinite Credit Card page on SCB website (https://www.sc.com/in/credit-cards/priority-banking-visa-infinite/)
    • Click on the ‘Apply Now’ button present on the page
    • Since the card is exclusively meant for existing Priority Banking clients of SCB, you will be prompted to contact your Relationship Manager.
    • In case, you’re not a Priority Member, you need to open a Priority Banking account before applying for the card.

    Frequently Asked Questions (Faqs) About Scb Priority Visa Infinite Credit Card

    1. How long would it take to apply and get a Priority Visa Infinite Credit Card?
    2. If the submitted documents and details are as per the bank’s guidelines, Standard Chartered Bank will approve the credit card in approximately 9 days.

    3. Can I use the credit card abroad?
    4. Yes, you can use the Priority Visa Infinite Credit Card at overseas locations. However, each transaction will attract a fee of 3.5% of the amount. If a merchant establishment is located in India but is registered overseas, the transactions conducted at such outlets will be levied 1% transaction fee.

    5. What are the taxes applicable to credit card transactions or payments?
    6. With effect from 1 July 2017, goods and services tax (GST) is being levied on all applicable credit card fees and charges. If you don’t pay the credit card outstanding on time, interest charged on the amount due will attract GST. Also, additional interest charged on default EMI of a loan, late payment charges and credit card annual fee/renewal fee attract GST. Currently, GST of 18% is applicable to all eligible credit card fees and charges.

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