Standard Chartered Priority Infinite Debit Card Review – CardExpert

Standard Chartered Priority Infinite Debit Card

Standard Chartered provides Priority Banking services in India, a premium banking solution tailored for the affluent customers. As a part of this service, they issue the Standard Chartered Priority Infinite Debit Card with attractive benefits.

Now, the bank has enhanced its features and benefits making it the most rewarding debit card in the country for High Net Worth Individuals (HNIs). Here’s everything you need to know:


  • 5 Point / 100 INR spend (Eff. 1st Feb 2024)
  • Reward Rate: 2.2% (1 Point = 0.44 Ps)
  • Excluded MCC: Insurance, Education, Government spends and few more.

Just incase if you’re wondering, here’s the email communication on the revision of benefits and the t&c link to excluded MCC list.

Standard Chartered Priority Infinite Debit Card benefits revision
excluded MCC for rewards

For high value spends, even the IDFC First Wealth Debit Card can get you close to 2.5% reward rate but it not only has the capping but also poor reward rate on low spends.

So Standard Chartered’s offering is relatively better for a real high spender.


  • Joining/Annual Fee: Complimentary
  • Complimentary airport lounge access: 4 / Qtr (domestic)
  • Daily POS limit: 5 Lakhs
  • Daily ATM limit: 2 Lakhs
  • INR 1,00,00,000 air accident cover
  • Purchase protection worth INR 55,000

While the debit card doesn’t have capping on rewards, it does have POS spend limit, which will technical cap the rewards as well, but it’s fair enough for most.


  • Total Relationship value: 30 Lakhs (Savings, FD, Investments)
  • Salary Credit: 3 Lakhs
  • Mortgage: >2 Cr

Customers has to maintain one of the above criteria to get hold of the Priority Banking relationship with Standard Chartered bank.

That said, it is to be noted that the bank also offers Private Banking services for UHNW individuals at ~8 Cr TRV and that comes with a reward rate of 4.4% on a debit card.

Yes, You heard that right, 4.4% return with the SC Private Infinite debit card.


Standard Chartered Priority debit card is perhaps the best ever debit card in the country for HNI who want’s to spend a lot on a debit card.

But why would anyone want to spend on a debit card while we can get lot more on a credit card?

Well, some have their own reasons but for most others one may get a Credit Card, perhaps from Standard Chartered itself with their Standard Chartered Ultimate Credit Card that gives 3.3% reward rate on most spends.

Nevertheless, it’s a good sign that the bank is still focusing on their premium cards and I hope someday they come up with a super/ultra premium credit card positioned about the Ultimate Credit Card.

Until then, enjoy the lucrative rewards on the debit card.

Make hay while the sun shines!

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