Standard Chartered’s Infinite X Metal Card – 100K miles with ~$700 annual fee + $6k spend


As of 26th November 2019, my miles have been credited!

Update: This promotion by SC has ended

I delayed posting on this amazing offer because it wasn’t as time sensitive as some offers (or so I thought). I wanted to get my hands on this card so that I could review it thoroughly. It is really unfortunate that on the day I unboxed my card, hints of a reduction in bonus miles seem to be on the horizon. Word is that 31st July (today) is the last day under the “old promotion”.

It is a huge package I’ll tell you that!

Nevertheless, here is my personal review and take on this card. I applied for my card last   week and my card got accepted on the same day. The application was really swift and I was really impressed with how quick it got processed. Click here for the link to SCB’s Infinite X website.

Basic income needed for this card is:

  • $80,000 (Singaporean)
  • $30,000 (SCB Priority banking customer)
  • $60,000 (Foreigner residing in Singapore)
Limited edition box that lights up. SCB’s X metal card’s packaging blows the competition out of the water!

If you’ve not already heard about this card, let me break it down simply. You’ll get:

  • 30,000 Miles with a compulsory annual fee of $695.50
  • 70,000 Miles for spending $6,000 within the first 60 days of card activation (spending no later than 31st October 2019)

At roughly $700 for 30k miles, you’re paying $233 for every 10k miles.

This is slightly more pricey than paying the annual fee of $192 for 10k miles for both Citi PremierMiles Visa CC and DBS Altitude Visa CC.

Would I still sign up for this card without the bonus miles? I absolutely would. $233 per 10k miles isn’t fantastic value, but it is still worth it to me as I’ve changed my travel pattern to utilise Kris flyer’s Spontaneous Escapes which offers 30% off SIA Krisflyer’s saver awards.

These days, I have stopped chasing every single mile as I already have a decent stash. It’s also a tiring process. Nevertheless, I do hope to consolidate some simple strategies in the near future if you’re a budding miles chaser.


Spending $6,000 for 70k bonus miles within two months of activating the card is no small sum for a person who earns close to the median wage, but I won’t pass on this once in a  lifetime offer.

Every dollar from that compulsory $6k spend is roughly 12.8 miles (Don’t forget the 1.2 base miles generated from the $6k spent). The last time a promotion like this happened was Ikea’s 12 Mile per $1 promo. 12.8 miles per $1 is absolutely epic in my opinion!

Do take note that there are quite a number of exclusions to the spend list:

Screen Shot 2019-07-31 at 6.47.08 PM

Screen Shot 2019-07-31 at 6.47.23 PM

Aaron from the Milelion (also my unofficial “Shi Fu”) has listed in extensive detail of all exclusions.


SCB’s X Card benefits:

  • It is a metal card like my MCO Visa Card . It can be used to hold paper down!
  • 1.2 Mile per $1 spent (This would be classified under a general spend card)
  • Two complimentary Priority Pass Airport Lounge visit each year. I’ve written a number of reviews which can be accessed here and here.
  • Complimentary travel insurance coverage of up to $1,000,000.


Points earned on the card are known as 360° reward points. The points have no expiry date and can be converted in minimum books of 2,500 points (1000 miles). As each conversion cost $26.75, I would convert only in large amounts at a time.

At the moment, I know one can definitely convert the reward points to Krisflyer miles. I will update this post in time to come.


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