Pay Taxes, Earn Miles: Standard Chartered Visa Infinite Credit Card (MoneySmart Review 2025)

While most cards exclude income tax payments from earning rewards, the Standard Chartered Visa Infinite Credit Card makes an exception. When you use their Credit Card Income Tax Payment Facility, you get to convert your tax bill into an item in your credit card statement and earn air miles in the process. Yup, turns out there is a way to to get something back from paying taxes after all!

Aimed at high-income earners, the Standard Chartered Visa Infinite Credit Card comes with premium perks and a steep annual fee. But for those who can maximise its features—especially during tax season—it can offer a solid value proposition with its generous miles earn rate and exclusive benefits.

In this review, we’ll explore the Standard Chartered Visa Infinite’s benefits and find out whether this card deserves a spot in your 2025 miles—or even income tax—strategy.

Standard Chartered Visa Infinite Credit Card—Is it MoneySmart?
Overall: ★★★☆☆ (3/5) Best for: Miles chasers who belong to a higher income bracket ($150,000/year) and spend at least $2,000 a month. With income that high, you can also make good use of the card’s Credit Card Income Tax Payment Facility. The catch: You need to spend at least $2,000 a month to enjoy the advertised miles earn rates, and use of the Credit Card Income Tax Payment Facility to pay your taxes comes with a one-time processing fee of 1.90% of the approved tax payment amount.
Pros—What we like			Cons—What we don’t like
– Earning miles on your tax payments (1.4 mpd) is a big win – High general earn rates: 1.4 miles per dollar (mpd) on local spend, 3 mpd on overseas spend – 6 complimentary visits to Priority Pass lounges			– High minimum monthly spend ($2,000) to qualify for those miles earn rates. Otherwise, you’ll only earn 1 mpd. – 1.9% processing fee when you use the tax payment facility – High minimum income requirement makes this card less accessible
Standard Chartered Smart Credit Card at a glance
Category		Our rating		The deets
Earn rates: Miles		★★★★★		With $2,000/month spend: – 1.4 mpd on local spend – 3 mpd on overseas spend If you spend under $2,000/month, you’ll earn 1 mpd.
Earn categories		★★★★☆		The rates above apply for general local and foreign spending; there are no bonus earn categories.
Annual fees and charges		★★☆☆☆		$599.50 (non-waivable)
Accessibility		★☆☆☆☆		– Priority/Private Banking customers who are Singapore Citizens and Permanent Residents (PRs): $30,000 – Priority/Private Banking customers who are Foreigners: $90,000 – All other customers: $150,000 – Eligible age: 21 to 65 years old
Extras/periphery rewards		★★★☆☆		– Earn 1.4 mpd on your taxes with the Credit Card Income Tax Payment Facility – Enjoy 6 complimentary visits to Priority Pass lounges around the world each year – eCommerce Purchase Protection of up to US$1,000 per claim per year
Sign-up bonus		★★★☆☆		– Get $250 cash via PayNow or 3,000 SmartPoints when you apply, pay your income tax with the card, and spend $2,000 within 60 days of card approval. – Get an extra $70 Trip.com voucher when you meet our giveaway criteria (be among the first 500 new Standard Chartered customers to get approved and submit the claim form, no minimum spend required) – Earn 50,000 miles from Standard Chartered when you spend $2,000 in eligible transactions within 60 days and pay the annual fee.

See our credit card ranking rubric to find out how we rank credit cards.

 

Standard Chartered Visa Infinite Credit Card (MoneySmart Review 2025)

1. 1. Summary
   2. How many miles do I earn?
   3. How do I earn miles?
   4. When do my 360° Rewards Points expire?
   5. Tax payment facility
   6. Other perks
   7. Fees, charges, and more
   8. Should I get the Standard Chartered Visa Infinite Credit Card?
   9. Standard Chartered Visa Infinite Credit Card promotion
   10. Alternatives to the Standard Chartered Visa Infinite Credit Card

 

1. Standard Chartered Visa Infinite Credit Card: Summary

The Standard Chartered Visa Infinite Credit Card is a mid-level miles card with high earn rates and a special feature—it lets you earn miles on your income tax payments with its Credit Card Income Tax Payment Facility.

The income tax reward feature is a rare perk—tax payments are notoriously excluded from most rewards programmes. They’re often grouped with other non-qualifying transactions like hospital bills, insurance premiums, and charitable donations, which typically don’t earn miles or cashback.

Another perk (that isn’t as rare) is that you get 6 complimentary visits to Priority Pass lounges worldwide each year. That’s triple the number you get compared to entry-level miles card counterpart, the Standard Chartered Journey Credit Card.

You get what you pay for—one more important thing to know about the SC Visa Infinite Card is that it comes with a hefty, non-waivable annual fee of $599.50. Are the card’s benefits worth that annual price tag? Let’s take a closer look.

 

2. Standard Chartered Visa Infinite Credit Card: How many miles do I earn?

Here’s a summary of the miles earn rates you get on the Standard Chartered Visa Infinite Credit Card:

Card spend in statement month	Local spend	Foreign spend
$2,000 or more	1.4 mpd (3.5 Rewards Points for every S$1 spent)	3 mpd (7.5 Rewards Points for every S$1 spent)
Less than $2,000	1 mpd (2.5 Rewards Points for every S$1 spent)

The first thing you’ll notice is that the minimum monthly spend to unlock the juicier miles rates is $2,000. If you don’t hit this expenditure in a month, you earn at a lower rate of 1 mpd. 

The good news is that these rates are relatively high compared to other miles cards in this bracket with similar income requirements and/or annual fees. Here’s a quick look at how the Standard Chartered Visa Infinite Credit Card compares.

Mid-level miles credit card	Local spend	Foreign spend
DBS Vantage Visa Infinite Card	S$1 = 1.5 miles or 1.5% cashback	S$1 = 2.2 miles or 2.2% cashback
Citi Prestige Card	S$1 = 1.3 miles (3.25 ThankYou Points)	S$1 = 2 miles (5 ThankYou Points)
HSBC Visa Infinite Credit Card	S$1 = Up to 1.25 miles	S$1 = Up to 2.25 miles
Standard Chartered Visa Infinite Credit Card	S$1 = 1.4 miles	S$1 = 3 miles
UOB Visa Infinite Metal Card	S$1 = 1.4 miles	S$1 = 2.4 miles

The Standard Chartered Visa Infinite Credit Card easily comes up on top when it comes to earning miles on foreign spending with its 3 mpd earn rate. The next highest earning miles card is the UOB Visa Infinite Metal Card at 2.4 mpd.

For local spending, the Standard Chartered Visa Infinite Credit Card ties with UOB’s rates and falls slightly short of the DBS Vantage Visa Infinite Card’s 1.5 mpd. 

All things considered, you certainly won’t be losing out with the Standard Chartered Visa Infinite Credit Card when it comes to earning miles. But aside from how much you earn, it’s also prudent to look at how you earn your miles. 

 

3. Standard Chartered Visa Infinite Credit Card: How do I earn miles?

With the Standard Chartered Visa Infinite Credit Card, you don’t earn miles directly—instead, you’ll earn rewards in the form of 360° Rewards Points, Standard Chartered’s local rewards points currency.

Under the Asia Miles Programme or Singapore Airlines KrisFlyer Programme, you can convert these points to miles at a rate of 5 points for 2 miles (according to point 10 on page 8 of the Standard Chartered 360° Rewards Programme T&Cs).

The tricky part is that these conversions don’t come for free. Here’s a summary of the charges you can expect under each miles programme:

	Asia Miles Programme	Singapore Airlines KrisFlyer Programme
Enrolment fee (annual)	$20 (enrolment fee for Standard Chartered Bank’s Mileage Transfer Asia Miles Programme)	None
Conversion fee (per conversion)	$25 before GST

While the Singapore Airlines KrisFlyer Programme doesn’t have an annual enrolment fee, the $25+ conversion fee (per conversion, mind you!) is still unavoidable. To reduce your fees, you’ll want to accumulate your 360° Rewards Points and convert a sizable stash at one shot.

The problem with accumulating points? Your 360° Rewards Points won’t last forever.

 

4. Standard Chartered Visa Infinite Credit Card: When do my 360° Rewards Points expire?

If you’re expecting a simple answer like “3 years”, sorry to burst your bubble. Standard Chartered has a more complicated policy when it comes to their 360° Rewards Points’ expiry. The points have fixed expiry dates that occur every 3 years from when you get your new card—not from when you earned the points. Think of it like this:

• You have 3-year blocks.
• During each block, you earn points.
• At the end of every block, all the points you earned will expire. 

Here’s a more detailed breakdown:

Period	360° Rewards Points’ expiry	Example
First 3 years from when you get your card	All points earned within the first 3 years expire at the end of those first 3 years.	If I get my card on 1 Jan 2025, all the points I earn from then till 31 Dec 2027 will expire on 1 Jan 2028.
Next 3 years	All points earned within the next 3 years expire at the end of those 3 years.	All the points I earn from 1 Jan 2028 till 31 Dec 2030 will expire on 1 Jan 2031.

Source: Clause 11.7 (page 9) of the Standard Chartered 360° Rewards Programme T&Cs 

There is one exception: If you’re a Private Banking or Priority Banking customer, your points don’t expire. The 360° Rewards Points you earn on your Visa Infinite Card will live on as long as your card does.

 

5. Standard Chartered Visa Infinite Credit Card: Tax payment facility

Now, let’s look at the meatiest perk associated with the Standard Chartered Visa Infinite Credit Card: earning rewards on your personal income tax. This is made possible by Standard Chartered’s Credit Card Income Tax Payment Facility, which is only available for the Standard Chartered Beyond Credit Card and the Standard Chartered Visa Infinite Credit Card. Just FYI: the former comes with a $200,000 annual income requirement and a whopping $1,635 annual fee, so the Visa Infinite Credit Card is definitely your more accessible option.

How does it work?

1. Apply: Complete the Tax Facility application form at least 7 days before your tax due date.
2. Pay: Once approved, the tax amount will be charged to your card, and the same amount will be credited to your bank account. You’ll then use those funds to pay IRAS directly.
3. Earn: Earn miles in the form of 360° Rewards Points on the tax payment amount charged to your card.

After submitting your application, you’ll be notified of the outcome via SMS within 7 business days. If approved, the funds will be disbursed to your bank account the same day—just be sure to pay IRAS promptly once you’ve received the money.

How many miles will I earn?

Your tax payment will be treated like a local expense, so you’ll earn 1.4 mpd in the form of 360° Rewards Points. The same miles conversion fees and points expiry rules we talked about earlier still apply.

Is there a fee?

Sadly, yes. You’ll have to cough up a 1.90% non-refundable processing fee on the approved tax payment amount. 

The silver lining is that from now till 30 Jun 2025, Standard Chartered is giving the first 50 approved applicants each month 100% cashback on the processing fee, capped at $300.

The magic number? If you earn an annual income of $170,222, you’ll have to pay around $15,790 in taxes. Assuming a 1.9% processing fee, this will come up to $300 in fees you have to fork out, for which you’ll get back $300 cashback. If you earn more than $170,222 in annual income, you won’t get your full processing fee amount back as cashback since the cap is $300.

 

6. Standard Chartered Visa Infinite Credit Card: Other perks

The Standard Chartered Visa Infinite Credit Card also comes with other benefits:

• 6 complimentary visits to Priority Pass lounges worldwide per year
• Complimentary travel insurance with coverage of up to $1,000,000 when you charge your full fare to your card before travelling
• Access to The Good Life Privileges, which include dining, shopping, and other lifestyle deals. Note that this isn’t special to the Visa Infinite Card, though—any Standard Chartered cardholder gets these perks.
• 24/7 Visa Infinite Concierge and Emergency Service for your lifestyle needs
  • For Singapore: Call 1800 823 2049
  • For Overseas: Call +65 6823 2049
• eCommerce Purchase Protection: Get up to US$1,000 per claim per annum for online purchases that don’t arrive after 30 days of their scheduled delivery, are physically damaged, or arrive wrong or incomplete. You need to use your Visa Infinite Card to pay for your online purchases and keep a copy of things like the purchase receipt and shipment tracking number.

These perks are nice, but the income tax payment facility is still the Standard Chartered Visa Infinite Credit Card’s strongest benefit.

 

7. Standard Chartered Visa Infinite Credit Card: Fees, charges, and more

Standard Chartered Smart Credit Card
Annual fee & waiver	$599.50 (non-waivable)
Annual interest rate	27.9%
Late payment fee	$100
Minimum monthly repayment	1% or $50, whichever is higher
Foreign currency transaction fee	3.5%
Cash advance transaction fee	8% (minimum $15)
Card association	Visa

 

8. Should I get the Standard Chartered Visa Infinite Credit Card? 

In my opinion, things like lounge access and e-commerce protection perks are just the side characters here. The hero features of the Standard Chartered Visa Infinite Credit Card are two-fold:

• High miles earn rates—up to 3 mpd for foreign spend and 1.4 mpd for local spend
• Earn 1.4 mpd on your income tax payment

Correspondingly, there are also 2 main catches to the Visa Infinite Credit Card:

• A minimum monthly spend of $2,000 is required to earn those 1.4/3 mpd rates
• The tax payment facility comes with a 1.9% processing fee

When we distil it down to these 2 points, the quandary on whether you should get the Standard Chartered Visa Infinite Credit Card becomes simple. Get the card if:

• You already spend $2,000 or more a month. Please don’t increase your spending just to hit this requirement.
• Even with the 1.9% processing fee, the 1.4 mpd on your tax payments is worth it for you. Or, act fast and be one of the first 50 successful applicants each month from now till 30 Jun 2025 to enjoy cashback on your processing fee—especially useful if you earn $170,222 p.a. or less, as this falls within the cashback cap of $300.

 

9. Standard Chartered Visa Infinite Credit Card promotion

From now till 17 Apr 2025, get $250 cash via PayNow or 3,000 SmartPoints when you:

• Apply for the Standard Chartered Visa Infinite Credit Card 
• Pay your income tax with the card
• Spend a minimum of $2,000 in eligible transactions within 60 days from your card approval date.

The first 500 new-to-Standard Chartered customers to successfully apply and submit the claim form will also get an extra $70 Trip.com voucher—no minimum spend required.

Standard Chartered also has a rewards promotion from now till 30 Jun 2025: Get 50,000 miles (in the form of rewards points) when you pay the card’s annual fee and spend $2,000 in eligible transactions in the first 60 days of card approval. Remember that this annual fee can’t be waived anyway.

Don’t forget to enrol in our Rollin’ Rewards campaign for free before you apply—you’ll stand a chance to win up to 7,460 SmartPoints this April. That’s enough to redeem gifts like a Sony Playstation 5 Slim Console, Apple iPad Wi-Fi (10th Gen), and more.

View all our ongoing credit card promotions for more welcome gifts.

 

10. Alternatives to the Standard Chartered Visa Infinite Credit Card

If you’re looking for a miles card that allows you to pay income taxes and earn miles with it, my top pick is the UOB PRVI Miles Card. This is an entry-level miles card with high general earn rates of up to 8 mpd on Agoda and Expedia bookings, up to 3 mpd on overseas spend, and 1.4 mpd on local spend.

Not only are these rates comparable to the Standard Chartered Visa Infinite’s, but they come with no minimum spend requirement. Additionally, you get 4 complimentary airport lounge visits, can use the UOB Payment Facility to earn miles on your taxes, and pay a lower annual fee of $261.60 (that can even be waived).

What if you want to earn more than 1.4 mpd on your taxes? The earn rate on your taxes follows the local spend earn rate, so you need to pick a card that bests the Standard Chartered Visa Infinite’s 1.4 mpd and still lets you pay taxes with it.

One option is the only other card that you can use with Standard Chartered’s Credit Card Income Tax Payment Facility—the Beyond Credit Card. This card earns you 2 mpd on local spend, which is hard to beat. The trouble is, this card also requires you to earn $200,000 a year. Gulp.

An easier workaround is to use CardUp with a miles credit card of your choice that has higher earn rates. CardUp is a payment platform that lets you use your credit card to pay for expenses like income tax, rent, and insurance—payments that typically don’t accept cards—so you can earn rewards. They do charge a processing fee of around 1.75%, but your miles will still be worth it.

Which miles credit card should you use? One option is the DBS Vantage Visa Infinite Card, which earns 1.5 mpd and comes with similar income requirements and an annual fee as the Standard Chartered Visa Infinite Credit Card.

To beat the 1.4 mpd, you’re going to have to look at credit cards in this mid-level space. Entry-level cards max out at 1.4 mpd on local general spending, as evidenced by the UOB PRVI Miles Card.

 

P.S. Here’s our MoneySmart credit card ranking rubric

In case you’re wondering, here’s how we decide on our credit card rankings.

Is that credit card MoneySmart? Our MoneySmart credit card ranking rubric
Category	Our rating
Overall	The average rating for the credit card on the whole, calculated from the ratings for the individual categories below. Plus, we’ll give you a one-liner on who we think the credit card is best suited for.
Earn rates: Air miles / Cashback / Rewards points	Air miles ✈️✈️✈️✈️✈️ / Cashback / Rewards points . This category looks at the depth rather than breadth of earn rates. 5 stars means this card’s got the highest earn rates within that credit card type. 3-4 stars mean it’s average 1-2 stars reflect earn rates that are below average.
Earn categories	This category looks at the breadth rather than depth of your earnings. 5 stars: Earn with ANY spend. 3-4 stars: Earn on a large number of categories (e.g. all dining, transport and retail, but not telco bills) OR earn on 1 very broad category (e.g. all contactless/mobile payments). 1-2 stars: Earn a decent rate only on selected categories, such as fast food only.
Annual fees and charges	5 stars: $0  4 stars: $1-200 3 stars: $201-500 2 stars: $501-$999 1 star: $1,000 and up We dock a star if fee waiver is NOT allowed.
Accessibility	Minimum income requirements: 5 stars: Less than $30,000 a year 4 stars: Around $30,000 a year for Singaporeans and $40,000-$45,000 for non-Singaporeans 3 stars: $30,000-$60,000 a year for Singaporeans, $40,000-$70,000 for non-Singaporeans 2 stars: $60,000-$120,000 a year for Singaporeans, $70,000-$120,000 for non-Singaporeans 1 star: $120,000 and up for either, or both Exclusivity: We dock 1-2 stars if there is/are another category/categories that make the card exclusive and very specific to a certain clientele.
Extras/periphery rewards	These include: Travel benefits, such as airport lounge access Lifestyle benefits, such as spa privileges Dining benefits, such as complimentary AMEX Love Dining or Entertainer with HSBC subscriptions We count the number of benefits and award between 0.5 to 2 stars for each, depending on how good the perk is.
Sign-up bonus	5 stars: The gift(s), cash, or miles are the highest we see out there compared to other credit cards of the same type (miles, cashback, etc). Also easy to attain these welcome bonuses. 3-4 stars: Average but not disappointing sign-up bonus compared to other credit cards. You aren’t losing out. 1-2 stars: You are probably losing out in terms of the welcome bonus you’re getting; there are other similar credit cards with sign-up bonuses that are better or easier to attain.

Check out our ultimate list of credit card reviews for the low-down on credit cards in Singapore.

 

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