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Standard Chartered Bank
The only card here billed monthly — Rs. 49 a month, erased by Rs. 5,000 of spending
One-time
Per year
Capped at ₹600/month
Score 700+
Applying takes you to Standard Chartered Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
3 reward rates with their caps, taken from Standard Chartered Bank’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 9 Oct 2026.
See where each figure came fromTravel
Pays up to ₹600 a month — reached at about ₹4,000 of spend
Groceries
Pays up to ₹1,000 a month — reached at about ₹10,000 of spend
Food delivery
Pays up to ₹750 a month — reached at about ₹7,500 of spend
These rates share one ceiling: ₹1,000 a month across the card, not per category.
No reward points are earned on ordinary spending. Outside the named merchants this card has no earn rate at all. All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
15% on Travel — Ola rides. The card earns no reward points on spending; the value is in these discounts., up to ₹600 per month.
Biggest limitation
Blinkit is capped at Rs. 1,000 a month and five transactions; Zomato at Rs. 150 per transaction; Ola at Rs. 600 a month. Past those, the spend earns nothing.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
15%
cappedTravel
Pays up to ₹600 per month — reached at about ₹4,000 of spend.
Ola rides. The card earns no reward points on spending; the value is in these discounts.
10%
cappedGroceries
Pays up to ₹1,000 per month — reached at about ₹10,000 of spend.
Blinkit, no minimum spend, up to 5 transactions a month.
10%
cappedFood delivery
Pays up to ₹750 per month — reached at about ₹7,500 of spend.
Zomato, up to 5 transactions a month at Rs. 150 each.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹0 | — |
| Annual / renewal fee | ₹588 | Nil annual fee. Rs. 49 per month, waived on monthly spends of Rs. 5,000 |
| Add-on card | The issuer publishes no separate add-on card fee for this card. | — |
| Cash withdrawal | 3%, min ₹300 | 3% of the amount withdrawn, subject to a minimum of Rs. 300 |
| Late payment | Tiered by balance: nil up to Rs. 100, Rs. 100 on Rs. 101–500, Rs. 500 on Rs. 501–5,000, Rs. 700 on Rs. 5,001–10,000 and Rs. 1,200 above Rs. 10,000, plus Rs. 100 if the minimum due is unpaid for two consecutive months | — |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹588 a year
charged with no published way to avoid it
This card carries no airport lounge access.
No fuel surcharge waiver is published for this card.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
Welcome — once
None
no welcome benefit is recorded for this card
Milestones — every year
1
spend threshold you can reach again each year
No welcome benefit is recorded.
Spend ₹0 a month
10% off Blinkit, up to Rs. 1,000 a month
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
Standard Chartered BankStandard Chartered Smart Credit Card₹499
Standard Chartered BankStandard Chartered Rewards Credit Card₹1,180
Standard Chartered BankStandard Chartered Super Value Titanium Credit Card₹885
Suryoday Small Finance BankSuryoday SFB FD-Backed Credit Card₹177
IDFC BANKIDFC FIRST Mayura Credit Card₹7,079
Indian Overseas BankIndian Overseas Bank ZET FD Credit CardLifetime free| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| Standard Chartered DigiSmart Credit Card · this card | ₹588 | 15% travel | No |
| Standard Chartered Smart Credit Card | ₹499 | Up to 2% cashback | No |
| Standard Chartered Rewards Credit Card | ₹1,180 | Up to 4 reward points per ₹150 | Included |
| Standard Chartered Super Value Titanium Credit Card | ₹885 | Up to 5% cashback | No |
| Suryoday SFB FD-Backed Credit Card | ₹177 | See card | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹588 plus GST, with no published spend-based waiver.
The strongest published rate is 15% on travel, capped at ₹600 per month — so roughly ₹4,000 of spend reaches the maximum on that tier. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
No reward points are earned on ordinary spending. Outside the named merchants this card has no earn rate at all. No reward points are earned on ordinary spending. Outside the named merchants this card has no earn rate at all. No reward points are earned on ordinary spending. Outside the named merchants this card has no earn rate at all.
Standard Chartered Bank publishes about ₹50,000 a month for salaried applicants, and it is usually issued above a 700 credit score. Meeting the criteria is not an approval — the issuer decides.
Redeemed through the issuer's rewards programme as published on the card's product page
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
No. Standard Chartered states that the bank does not award reward points on spends made on this card, though it may offer points through occasional campaigns. The card's value is entirely in its fixed discounts at Blinkit, Zomato, Ola, INOX and Yatra.
10% off Blinkit with no minimum spend, up to five transactions and Rs. 1,000 a month; 10% off Zomato, five transactions a month, up to Rs. 150 each; 15% cashback on Ola up to Rs. 600 a month; buy one get one on INOX twice a month up to Rs. 200; and on Yatra, 20% off domestic flights up to Rs. 750, 10% off international flights up to Rs. 10,000 and 25% off hotels up to Rs. 4,000, one transaction per category per quarter.
You must be between 21 and 65 years old with a minimum net monthly income of Rs. 50,000. Add-on cardholders must be at least 18. Standard Chartered does not publish a credit score requirement for this card.
3.75% a month, which Standard Chartered annualises to 45%. Cash advances carry the same rate plus a fee of 3% of the amount withdrawn, minimum Rs. 300, and attract interest from the day of withdrawal.
No. It carries the standard 3.5% foreign currency markup, which with 18% GST on the markup is about Rs. 4,130 on every Rs. 1,00,000 spent overseas. Cards that charge 0% exist and this is not one of them.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
Standard Chartered DigiSmart Credit Card — 15% on travel, up to ₹600 per month. ₹588 a year.