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Credit Cards · India

Standard Chartered Rewards Credit Card

Updated 5 Jul 2026Source-linked

The Standard Chartered Rewards Credit Card is a entry credit card from Standard Chartered Bank, with a joining fee of ₹1,000 + GST.

It earns up to 8 pts per ₹150 (≈1.2% value) on retail bonus spends in the form of 360 reward points (points).

Cardholders get 1 quarterly domestic airport lounge access.

Standard Chartered Bank logo
Standard Chartered Rewards Credit Card
Visa logo
  • Joining FeeFree
  • Annual Fee₹1,000
  • Best Suited ForOnline shopping
  • Reward Type360 Reward Points (points)
Rewards Rate
  • 4 pts per ₹150 on retail spend
  • 8 pts per ₹150 on retail bonus (cap 20000 points / monthly)
  • Base 0.59% on other spends
Welcome Benefits
  • Not applicable
Data verified 5 Jul 2026 — see our methodology
Standard Chartered Bank logoSCBVisa logoplatinumentry
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Rewards and Benefits

Rewards Rate
4 pts per ₹150 on retail spend
8 pts per ₹150 on retail bonus (cap 20000 points / monthly)
Base 0.59% on other spends.
Reward Redemption
Standard Chartered 360 Rewards portal: Redeem at ₹0.25 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
1 visit each quarterly.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

  • Online shopping₹176/mo

    You spend ₹15,000 · earns 1.2% = ₹176 uncapped

    • Capped at ₹4,400/mo
    • Valued at realized redemption value

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Groceries₹8,000 · 0.6% = ₹47/mo
  • Dining & food delivery₹8,000 · 0.6% = ₹47/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.6% = ₹59/mo
  • Utilities & bills₹5,000 · 0.6% = ₹29/mo
Est.net rewards for this spend, realistic
₹4,294/yr

₹4,294 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
₹1,50,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹500 and ₹4,000.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • entry card issued by Standard Chartered Bank.
  • Joining / annual fee of ₹1,000 + GST, waived on annual spends of ₹1,50,000.
  • Available on the Visa network.
  • Complimentary airport lounge access: domestic (1/quarterly).

Pros & Cons

Pros
  • Annual fee waivable on ₹1,50,000 spend.
  • Complimentary domestic airport lounge access (1/quarterly).
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

Accelerated rewards

  • 4 pts per ₹150 on retail spend
    4 Reward Points per ₹150 on all retail spends; base 1 RP per ₹150 on other categories.
  • 8 pts per ₹150 on retail bonus (cap 20000 points / monthly)
    Additional 4X (total 8 RP per ₹150) on monthly retail spends above ₹20,000; capped at 20,000 bonus RP per statement cycle.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • insurance premiums
  • emi

Airport lounge access

Domestic
1 visit(s) / quarterly. Via visa.

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹500 and ₹4,000.

Sources

Last verified 5 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–65
Credit score
720+
Income (salaried)
₹3,60,000 p.a.
Income (self-employed)
₹3,60,000 p.a.
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