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Standard Chartered Bank
4 Reward Points per Rs. 150 on all retail, doubling above Rs. 20,000 of monthly spend
One-time
Waived on ₹1,50,000/yr
Uncapped rewards
Score 750+
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
1 reward rate 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 fromEverything else
No published ceiling on this tier
The issuer publishes no earning exclusions for this card All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
4% on Everything else — An additional 4X on monthly retail spends above Rs. 20,000. Standard Chartered publishes no rupee value for the point., with no stated cap.
Biggest limitation
The accelerated layer begins only above Rs. 20,000 of retail spend in a month; below that the card earns the base 4 points per Rs. 150.
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.
4 pts
uncappedEverything else
An additional 4X on monthly retail spends above Rs. 20,000. Standard Chartered publishes no rupee value for the point.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹0 | — |
| Annual / renewal fee | ₹1,180 | Nil joining fee. Rs. 1,000 + GST annually, reversed on spends of Rs. 1,50,000 or more in the previous year |
| 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| Cash withdrawal | 3%, min ₹300 | 3% of the amount withdrawn, subject to a minimum of Rs. 300 |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 | — |
| 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
₹1,50,000 a year
is what it takes to keep the ₹1,180 fee off — about ₹12,500 a month
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.
We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.
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
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IDFC BANKIDFC FIRST Mayura Credit Card₹7,079
Indian Overseas BankIndian Overseas Bank ZET FD Credit CardLifetime free
RBL BankRBL Bank SalarySe UP Credit Card₹589| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| Standard Chartered Rewards Credit Card · this card | ₹1,180 | 4% everything else | Included |
| Standard Chartered Smart Credit Card | ₹499 | Up to 2% cashback | No |
| Standard Chartered Super Value Titanium Credit Card | ₹885 | Up to 5% cashback | No |
| Suryoday SFB FD-Backed Credit Card | ₹177 | See card | No |
| IDFC FIRST Mayura Credit Card | ₹7,079 | Up to 10 reward points per ₹150 | Included |
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.
₹1,180 plus GST, waived on ₹1,50,000 of annual spend.
The strongest published rate is 4% on everything else, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
Yes. 1 visit per calendar quarter
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
The issuer publishes no earning exclusions for this card The issuer publishes no earning exclusions for this card. The issuer publishes no excluded spend categories for this card.
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.
4 reward points for every Rs. 150 spent on retail transactions, plus an additional 4X on retail spending above Rs. 20,000 in a month. The rate applies across all retail categories rather than a named merchant list.
One complimentary domestic airport lounge visit per calendar quarter — four a year — with no quarterly spend condition attached. No international lounge visits are included.
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 accrue interest from the day of withdrawal.
Age 21 to 65. Standard Chartered does not publish a minimum income or credit score for this card — the 750+ shown here is our own recommendation based on its fee tier, not a figure the bank has stated.
No. It carries the standard 3.5% foreign currency markup, which with GST on the markup is about Rs. 4,130 on every Rs. 1,00,000 spent overseas.
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 Rewards Credit Card — 4% on everything else. ₹1,180 a year.