Standard Chartered Visa Infinite Card — 3 mpd Overseas & 1.4 mpd Local
A premium travel card offering 3 mpd overseas and 1.4 mpd locally, dependent on a high S$2,000 minimum monthly spend. Strictly no annual fee waiver.
SC Visa Infinite Card
Standard Chartered
Annual Fee
S$599.50
Minimum Income
S$30,000
Key Conditions
- •3 mpd overseas and 1.4 mpd locally (requires min S$2,000 total spend per cycle)
- •1.0 mpd flat rate if minimum spend is not met
- •6 complimentary visits to airport lounges
- •No annual fee waiver — mandatory S$599.50 fee
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View card details → [Affiliate]Earning Rates
mpd = miles per dollar spentCard information based on publicly available data as of April 2026.
| Category | Rate |
|---|---|
| Foreign CurrencyOverseas spend (min $2,000 total spend per statement cycle) | 3 mpd |
| All other spend | 1.4 mpd |
Set your spend per category. Caps applied automatically.
Total
S$2,950
Reachable destinations (economy, one-way)
SC Visa Infinite Card vs AMEX KrisFlyer Ascend vs UOB PRVI Miles Visa/Mastercard
| At S$3,000/mo | SC Visa Infinite Card | AMEX KrisFlyer Ascend | UOB PRVI Miles Visa/Mastercard |
|---|---|---|---|
| Annual miles | 56,160 | 48,000 | 77,760 |
| Dining | 420 (1.4 mpd) | 360 (1.2 mpd) | 420 (1.4 mpd) |
| Groceries | 420 (1.4 mpd) | 360 (1.2 mpd) | 420 (1.4 mpd) |
| Transport | 420 (1.4 mpd) | 520 (2 mpd) | 420 (1.4 mpd) |
| Online | 420 (1.4 mpd) | 360 (1.2 mpd) | 420 (1.4 mpd) |
| Travel | 420 (1.4 mpd) | 600 (2 mpd) | 2,400 (8 mpd) |
| Contactless | 420 (1.4 mpd) | 360 (1.2 mpd) | 420 (1.4 mpd) |
| Overseas | 900 (3 mpd) | 360 (1.2 mpd) | 720 (2.4 mpd) |
| bills | 420 (1.4 mpd) | 360 (1.2 mpd) | 420 (1.4 mpd) |
| insurance | 420 (1.4 mpd) | 360 (1.2 mpd) | 420 (1.4 mpd) |
| general | 420 (1.4 mpd) | 360 (1.2 mpd) | 420 (1.4 mpd) |
| Annual fee | S$599.5 | S$397.85 | S$261.6 |
| Min income | S$30,000 | S$50,000 | S$30,000 |
Based on publicly listed rates as of April 2026.
About SC Visa Infinite Card
The Standard Chartered Visa Infinite Card targets higher-income earners scaling up their miles game. For an un-waivable S$599.50 annual fee, it unlocks high baseline earn rates: 3 mpd on foreign currency and 1.4 mpd on local transactions, provided the cardholder spends at least S$2,000 in a statement cycle. Falling short of this threshold drops the rate severely to just 1 mpd across the board. The premium standing comes accompanied by 6 complimentary Priority Pass lounge visits and 35,000 welcome miles to offset the steep fee cost.
Key Features
- •Up to 3 miles per dollar on overseas spending
- •Up to 1.4 miles per dollar on local spending
- •Minimum S$2,000 spend requirement to unlock accelerated earn rates
- •6 complimentary Priority Pass airport lounge visits per year
- •Significant 35,000 miles welcome bonus upon fee payment
Miles Earning Breakdown
Hitting S$3,000 in a month clears the S$2,000 condition easily. Assuming S$1,000 on foreign currency (3 mpd) and S$2,000 locally (1.4 mpd), the card could yield about 5,800 miles per month. If a cardholder barely spends S$1,500 locally, the rate drops to 1.0 mpd, earning an uninspiring 1,500 miles. Consistent, high-volume spending is required for this card to perform optimally.
SC Visa Infinite Card vs AMEX KrisFlyer Ascend vs UOB PRVI Miles Visa/Mastercard
Compared to the UOB PRVI Miles, which offers an unconditional 2.4 mpd local and 3 mpd overseas for a lower S$256.80 fee, the SC Visa Infinite trails in pure local accumulation but holds status with its substantial lounge access and premium welcome miles. Against the AMEX KrisFlyer Ascend, the SC Visa Infinite offers higher overall base earn rates for generalized (non-dining/travel) high-volume spending.
Where Does SC Visa Infinite Card Earn the Most?
High value transactions, large ticket items, and international trips. Because the local rate is an elevated 1.4 mpd, placing large domestic un-categorized expenses (like renovations or medical bills, assuming they qualify) here helps safely maintain the S$2,000 threshold while earning solidly.
Frequently Asked Questions
Is the S$599.50 annual fee ever waived?
No, the annual fee is strictly non-waivable. However, the first year and subsequent renewals typically credit 35,000 miles to offset the cost.
Does it take long to earn miles if I do not hit S$2,000 spend?
Failing to hit the S$2,000 threshold drops the miles earning rate to 1 mpd, rendering it completely uncompetitive against entry-level cards until the spend hurdle is met next cycle.
Last verified: April 2026
SGfi provides general information and comparison tools for educational purposes only. This does not constitute financial advice. Please consult a licensed financial advisor before making financial decisions. SGfi may receive compensation from partners featured on this site. Rates shown are based on publicly available information and may change.
SGfi is not a licensed financial advisor under MAS regulations. All miles values are KrisFlyer Saver Award Chart estimates. Actual availability may vary.