Standard Chartered Priority Infinite Debit Card Review

By | February 4, 2024
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: 1.25% [1 Point = 0.25 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 however it not only has the capping but also poor reward rate on low spends.

So Standard Chartered’s offering is relatively better for low spends.


Marriott Hotel evoucher redemption

While I’ve personally redeemed for Marriott Hotel eGift Cards, there are other options as well. Here’s a quick look at the options:

  • Marriott hotels
  • ITC Hotels
  • Uber 
  • Spar
  • Urban ladder
  • Luxe
  • Levi’s
  • Petter England
  • Louis Philippe
  • Fab India
  • Lakme Fashion & few more


  • 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 2.5% on a 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!

Author: Siddharth

Helping Indians to choose right credit cards, pick right offers and enjoy luxury vacations for less. Day & night exploring the spiritual reality of our human existence.

20 thoughts on “Standard Chartered Priority Infinite Debit Card Review

  1. Anshul

    Will credit card payment using Priority Infinite Debit Card give reward points?

    1. Siddharth Post author

      It used to get and they recently excluded. But now I’m surprised why they haven’t included in the MCC exclusion.

      Yet still says the exclusion on the t&c of the debit card landing Page. So only testing it can give the actual answer. Will do sometime and report.

      1. Vipul Aggarwal

        Has anyone tried credit card payments using SC pirority card?

  2. Abhi

    Looks like a good card for wallet loads. Ah but paytm just died..
    What are the redemption options?

    1. Siddharth Post author

      I usually redeem for Marriott Gift Cards. I used to see Taj and others but not Amazon/Flipkart for sure. Let me update that on article shortly.

  3. Sat ka

    It’s no more 0.44 paise per point. Can you check the vouchers section? It shows 40k points for 10k worth of voucher..

    1. Siddharth Post author

      Oops, yeah I do see only 25ps point value now unfortunately. Looks like they updated few hrs ago.

      1. Sat ka

        This means. Return value is 1.25% only..but still a up from earlier 0.8%

  4. Vipul Aggarwal

    Sir, they have reduced the value of the reward points. Until 31st Jan I was getting 15k voucher in 32k(approx points) now I am getting same in 60k points. Can they reduce the value of the reward points without giving any notice? I have 60k points, value has reduced to 50%. Please suggest what should I do.

    1. Siddharth Post author

      Unfortunately they’ve done it without notice. You may raise a complaint with bank and if not solved, go for RBI complaint.

      1. Utkarsh

        Hey bro, are you getting any rp for wallet loads from 1st April? How do I connect with you?

        1. AAJ

          Hey Utkarsh, even last few days of Mar and Apr month I noticed that points are not credited for Mobikwik, I’ve raised this to Customer care and waiting for the resolution.

          1. AAJ

            Got those rewards, cc had arranged call back and they credited pending rewards, not sure if this would work automatically or I need to raise each month or so.

  5. Darshdeep Singh Grewal

    Uber is gone. Can anyone tell best way to burn points?

    1. AAJ

      For Ultimate though (same collection), used to get 5k Peter England, they had 750 off on 5999, so got to use it better

  6. Prateek

    The lowest of Indian banks is better than this british bank. SC’s tech is worst than the tech ICICI had in 2012.
    Makeshift website, slow mobile app, and largely untrained staff should be sufficient to not to bank with them. Let aside risk keeping that much amount of money in the hands of a sleeping bank.


Leave a Reply

Your email address will not be published. Required fields are marked *