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Standard Chartered Visa Infinite X Credit Card
Standard Chartered Visa Infinite X Credit Card
  1. Credit Cards
  2. Standard Chartered Visa Infinite X Credit Card

Enjoy up to 85,000 Air Miles or up to S$800 Cash Rewards⁷,⁸ when you apply and spend with X Card.

  • Apply Now

    Apply for Standard Chartered Visa Infinite X Credit Card

    Do you have a Standard Chartered online banking login?

Visa Infinite X Metal Credit Card Benefits1

  • Choice of air miles, cash rewards and travel credits.

  • when you sign up for Priority Banking with a min. placement of S$200K in fresh funds.

Enjoy up to 85,000 Air Miles or up to S$800 Cash Rewards when you apply and spend with Standard Chartered Visa Infinite X Card

For customers new to StanChart Credit Cards: Simply apply for the Standard Chartered Visa Infinite X Card and spend a minimum of S$4,000 on eligible transactions in each Spend Period on your Standard Chartered Visa Infinite X Card and get up to 85,000 Air Miles or up to S$800 Cash Rewards7,8 during the promotion period.

For existing Standard Chartered Visa Infinite X Card cardholders: Spend a minimum of $4,000 on eligible transactions in each Spend Period and get up to 50,000 Air Miles or up to S$500 Cash Rewards8 during the promotion period.

Valid from 15 July till 31 December 2020.

Standard Chartered Visa Infinite X Card Anniversary Acquisition Promotion Terms and Conditions, Standard Chartered Visa Infinite X Card Upfront Gift Promotion and Standard Chartered Visa Infinite X Card Anniversary Spend and Get Promotion Terms and Conditions apply.

The Rewards Points you earn never expire

Earn up to 5 Rewards Points1 for every eligible S$1 spend with Standard Chartered Visa Infinite X Card

2 complimentary Priority Pass visits

Enjoy 2 complimentary visits to Priority Pass lounges around the world each year.

To activate your Priority Pass, please click here. Terms and conditions apply.

Please refer here for Frequently Asked Questions. 

SC EasyRewards Programme

SC EasyRewards allows X Cardholders to use their 360° Rewards Points to offset Travel Purchase Qualifying Transactions or to use their Rewards Points via Transfer Rewards to redeem for Hotel Partner Points or Airline Partner Miles. Terms and Conditions apply2.

In addition, from 15 July – 31 December 2020, Standard Chartered Visa Infinite X Cardholders may use their 360° Rewards Points to offset Everyday Purchase Qualifying Transactions 3 charged to their Standard Chartered Visa Infinite X Card such as online food delivery, grocery and dining transactions. SC EasyRewards Programme Terms and Conditions apply.

For the avoidance of doubt, online food delivery does not include transactions made on Grabfood.

Click here for FAQ.

SC EasyRewards

SC EasyRewards - SC Mobile

SC EasyRewards – SC Mobile

SC EasyRewards - Online Banking

SC EasyRewards – Online Banking

Features

Instant Digital Credit Card

Apply for an Instant Digital Credit Card4 online using MyInfo. Read more

Complimentary travel insurance

Have a peace of mind when you travel with complimentary travel insurance coverage of up to S$1,000,000. Simply charge your full fare to your card before you go abroad. Terms and conditions apply.

SC EasyBill

Get Cashback/Reward points/Bonus Interest on IRAS, Education, Insurance & Rental payment. T&Cs apply Read more

Credit Card Credit Limit Review

Benefit from a higher credit limit and increased spend by applying for a credit limit review online. T&Cs apply. Read more
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New-to-Bank Priority Banking

Hertz Asia

  • Simply book with your card and enjoy:
    • 10% savings on self-drive car rentals for USA, Canada, Europe, Australia, New Zealand and Asia
    • One complimentary rental day with minimum 6 or more days’ rental in a booking
    • Free one car class upgrade with minimum 5 or more days’ rental in a booking
  • To redeem this offer, please visit hertzasia.com/visa
  • Terms and conditions apply.

Exclusive Hotel & Resort Rewards at The St. Regis, Shangri-La Hotels & Resorts and Mandarin Oriental

  • Simply book your stay with your card and enjoy:
    • Complimentary upgrades and VIP amenities with minimum 3 nights stay, subject to availability at individual property
    • Free breakfast for 2 for each stay
    • Early check-in and 4pm late check-out, subject to availability
    • Personal greeting on arrival
  • To redeem this offer, please call Visa Concierge at 1800 823 2049 (Singapore) or +65 6823 2049 (Overseas).
  • Terms and conditions apply.

Golf Privileges

  • Enjoy 30% off green at participating golf clubs in Asia Pacific region
    • Advance booking period: minimum 4 days for weekdays and 7 days for weekends
    • Minimum booking of 2 golfers per flight for weekdays and 3 golfers per flight for weekends will be required (Minimum booking of 4 golfers per flight is required for golf clubs in Korea on weekdays)
    • Golf clubs may impose restriction on weekend tee-times and public holidays are regarded as weekends (golf clubs in Korea do not accept bookings on weekends)
    • Each golfer must have a valid golf handicap
    • Cancellation and amendment fees apply
  • To make a booking, please download the Visa Concierge app or call Visa Concierge at 1800 823 2049 (Singapore) or +65 6823 2049 (Overseas).
Fees and Charges
Annual Fees

Principal card : S$695.50 including GST.
Supplementary card : S$107 including GST.
(Annual fee is strictly non-waivable)

Finance Charges

Effective Interest Rate (“EIR”): 26.9% per annum (minimum). If payment is not made in full by the due date, finance charges will be calculated on a daily basis at 0.074% from the respective transaction dates for all transactions to the date the payment is received.

Cash Advance

Your cash advance fee per transaction is 6% on the Cash Advance, subject to a minimum fee of $15 plus Finance Charges at 0.082% per day on the amount withdrawn from the date of the transaction until the date of full payment.

Late Payment Charges

A late payment charge of S$80 will be charged if minimum payment due is not received by the due date. The EIR applicable on your credit card will be adjusted to 29.9% per annum if the minimum payment due is not received by the due date). If you have only missed one payment, it will be reinstated to the prevailing EIR once minimum payment due is made in full. If however your account has been twice or more past due on a consecutive basis, the EIR will only revert to 26.9% once minimum payment due for the relevant consecutive months where your account was past due is made in full.

For more details on all other applicable fees and charges,  please click here.

Application Eligibility

  • Aged: 21 – 65 years
  • Minimum annual income:
    • For Priority/Private Banking customers: S$30,000
    • For all other customers: S$80,000

For Existing Standard Chartered Credit Cardholders

No documents are required.

However, if there has been a recent change to your income, please submit your updated documents for review during the application process.

For New Customers or Existing Customers with Change(s) in Income/Employment

For SingPass holders applying with MyInfo

No documents are required

For salaried employees:
  • Copy of NRIC (front and back)
  • Latest computerised payslip OR
  • Latest 6 months’ CPF Contribution History Statement OR
  • To be considered for a higher loan amount, please submit your latest Income Tax Notice of Assessment (NOA) in addition to the above.
For self-employed
  • Copy of NRIC (front and back)
  • Copy of 2 year income tax notice of assessment (must be in business for a minimum of 2 years)
For commission earner (any one from below)
  • Latest 3 months payslip + Latest income tax notice of assessment
  • Latest 6 months CPF contribution history statement
  • Latest 3 months payslip
  • Copy of 2 year income tax notice of assessment ( For 100% commission earner)

Refer to application form for details

Application Eligibility

  • Aged: 21 – 65 years
  • Minimum annual income:
    • For Priority/Private Banking customers: S$60,000
    • For all other customers: S$80,000
  • Foreigners must be holders of P1, P2 or Q type Singapore Employment Passes
  • Q Pass holders must have minimum one year validity remaining on their passes

For Existing Standard Chartered Credit Cardholders

No documents are required.

However, if there has been a recent change to your income, please submit your updated documents for review during the application process.

For New Customers or Existing Customers with Change(s) in Income/Employment

For SingPass holders applying with MyInfo

No documents are required

Please prepare the following:
  • Copy of Passport (with at least 6 months’ validity)
  • Copy of your Employment Pass
  • Any ONE of the following documents:
    (i) Latest utility bill, rates or tax bill
    (ii) Latest bank / credit card statement (e-Statements are accepted)
    (iii) Rental agreement showing your address
    (iv) Latest mobile phone statement or pay-TV statement
    (v) Letter from employer stating current address
    (vi) Government-issued document stating current address (e.g. IRAS, CPF, ICA)
Additional Documents:
For Salaried Employees/Partial Commission-based Earners
  • Latest computerised payslip

    To be considered for a higher loan amount, please submit your latest Income Tax Notice of Assessment (NOA) in addition to the above.

For 100% Commission-based Earners
  • Copy of NRIC (front and back)
  • (i) Latest Income Tax Notice of Assessment (NOA) OR
    (ii) Latest 3 months of Commission Statement from same employer
For Self-employed
  • Latest Income Tax Notice of Assessment (NOA)

To be eligible for the SC EasyRewards Programme, you must hold a valid Standard Chartered Visa infinite X Credit Card issued by Standard Chartered Bank (Singapore) Limited (the “X Card”) as a principal cardholder (“X Cardholder”).

The SC EasyRewards Programme allows X Cardholders to use their 360° Rewards Points to offset Travel Purchase Qualifying Transactions or to use their 360° Rewards Points to redeem for participating hotel partner’s loyalty points (“Hotel Partner Points”) or participating airline partner’s miles (“Airline Partner Miles”) (via Transfer Rewards).

You can access SC EasyRewards via SC Mobile app or Online Banking (sc.com/sg).

X Cardholders can redeem their Points for Travel Credits. Travel Credits are cash amounts credited into the principal cardholder’s X Card account and Travel Credits can only be used to offset Travel Purchase Qualifying Transactions. For every 250 Points redeemed by X Cardholders, S$1 (or its equivalent in foreign currency) worth of Travel Credits will be credited into the X Cardholder’s X Card account for the purposes of offsetting Travel Purchase Qualifying Transactions.

Travel Purchase Qualifying Transactions are retail spends charged to the X Card classified under the Merchant Category Codes (“MCC”) of:

  1. Airline (300-3350, 4511)
  2. Car Rental Agencies (3351 – 3441, 7512);
  3. Hotels, Motels, Resorts (3501 – 3836, 7011);
  4. Passenger Railways (3836 – 4112);
  5. Steamship and Cruise Lines (4411 – 4457)
  6. Boat Rentals and Leasing such as Jet Skis, powerboats, yachts (4457);
  7. Travel Agencies and Tour Operators (4722 and 4723); or
  8. Tourist Attractions and Exhibits such as botanical gardens, craft shows, museums, and wineries.(7991)
  1. The first way is by using your 360° Rewards Points to offset Travel Purchase Qualifying Transactions in either of the two methods (Pre-Transaction Activation or Post-Transaction SMS Trigger) below

Pre-Transaction Activation

  1. This is when you select your X Card by clicking on the “Purchase with Rewards” icon via the “My Credit Card Rewards” option in mobile app and/or “View my Rewards” option in online banking;
  2. Upon activating this option, the redemption of 360° Rewards Points is only valid for the offsetting of the next Travel Purchase Qualifying Transaction made on your X Card. You will receive a confirmation SMS (“Pre-Transaction Activation SMS”) to your mobile number that is registered with the Bank (“Bank Registered Mobile Number”) for a successful redemption;
  3. The Pre-Transaction Activation is enabled for Travel Purchase Qualifying Transactions charged and with a minimum transaction value of S$100 or its equivalent in foreign currency converted to Singapore Dollar.
  4. You must have sufficient 360° Rewards Points as a Standard Chartered Cardholder aggregated across all your Points earning credit cards for a partial or full redemption; and
  5. There is no cap to the number of Pre-transaction Activation SMS you can activate to redeem Points to offset the next Travel Purchase Qualifying Transaction made on your X Card.

Post-Transaction SMS Trigger

  1. This is where an SMS is automatically triggered to your Bank Registered Mobile Number to redeem your Points to offset a Travel Purchase Qualifying Transaction when you charge a Travel Purchase Qualifying Transaction with a minimum transaction value of S$100 or its equivalent in foreign currency converted to Singapore Dollar to your X Card (“Post-Transaction SMS”);
  2. By charging a Travel Purchase Qualifying Transaction with a minimum transaction value of S$100 or its equivalent in foreign currency converted to Singapore Dollar to your X Card, you agree to receive such an SMS from the Bank.
  3. If you agree to use your Points to offset your Travel Purchase Qualifying Transaction stated in our SMS, you must reply to us in accordance with the required format (Example: “35” to 72834) set out in our SMS (“Reply SMS”) within a period of 24 hours from the time of receipt of the Post-Transaction SMS; Notwithstanding the foregoing, you will only receive a maximum of 1 Post-Transaction SMS per day and a maximum of 3 Post-Transaction SMSes per calendar month;

There is no cap to the number of Pre-Transaction Activation SMS a X cardholder can activate.

You will get a maximum of 1 SMS per day and a maximum of 3 SMS per calendar month base on system trigger.

Once you have received 3 SMS in a calendar month base on meeting the eligible minimum transaction spend in the Travel Purchase Qualifying Transaction MCC, SC EasyRewards will stop triggering further SMS.

All X cardholders are automatically opted in to SC EasyRewards. By charging a Travel Purchase Qualifying Transaction of a minimum value of S$100 to your X Card, you agree to receive such an SMS from the Bank.

With Transfer Rewards, you can select from a list of participating merchants to transfer your 360° Rewards Points and choose to convert your 360° Rewards Points into Hotel Partner Points or Airline Partner Miles.

For each conversion of 360° Rewards Points to such Hotel Partner Points or Airline Partner Miles, a transfer fee of S$26.75 (including GST) is chargeable. The estimated period for processing of a conversion request is 5-7 working days or more.

PARTNER LOYALTY PROGRAMME
Air France KLM Flying Blue
Emirates Emirates Skywards
Etihad Airways Etihad Guest
EVA Air Infinity MileageLands
Lufthansa Miles & More
Qantas Qantas Frequent Flyer
Qatar Airways Privilege Club
United Airlines MileagePlus
AccorHotels Le Club AccorHotels
InterContinental Hotels Group IHG® Rewards Club

The estimated period for processing of a conversion request is 5-7 working days or more.

For full SC EasyRewards terms and conditions, please click here

As part of our efforts to go green, the following will no longer be included within the credit cards welcome pack:
  • ABS Consumer Guide for Credit Cards which contains information on understanding credit cards and credit card usage and which can be found here
  • Important Information Document for Standard Chartered Credit Cards which contains information on all relevant interest, fees and charges and which can be found here

If you would like to receive a printed copy of any of the above, please call our 24-hour Client Contact Centre at +65 6747 7000.

Free Credit Report

If your credit card is newly approved and you wish to have a free credit report*, you may obtain it within 30 calendar days upon card approval via the credit bureau website  or at their registered office. You will need the following documents to obtain the free credit report:

  • Card carrier that comes with your credit card
  • NRIC

Credit Bureau (Singapore) Pte Ltd
2 Shenton Way
#20-02 SGX Centre 1
Singapore 068804
Tel: +65 6565 6363
www.creditbureau.com.sg

*Note: The free credit report is not available for renewed or replaced cards.

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