Standard Chartered Rewards Credit Card
Standard Chartered Bank India
Standard Chartered Rewards Credit Card
Standard Chartered Bank India
Annual Fee
₹1,000
Effective Rate
0.35%
Network
VISA
Point Value
₹0.35/pt
About Standard Chartered Rewards Credit Card
SC Rewards card with 3X–5X RP on dining, travel, international spends. Lounge access and milestone benefits.
Best For
Pros & Cons
thumb_upPros
- check_circleDomestic Airport Lounge
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelAnnual fee of ₹1,000 with no waiver option
- cancelForeign transaction fee applies on overseas spends
- cancelPoints redemption catalog may limit flexibility
Reward Earning Structure
Each point is worth ₹0.35 — an effective return of 0.35% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 2% | 200 pts≈ ₹70 |
| All other spends | 0.67% | 67 pts≈ ₹23 |
Points can typically be redeemed for flight tickets, hotel bookings, cashback, gift vouchers, or merchandise via the Standard Chartered Bank India rewards portal. Redemption value may vary by option.
Card Benefits
Domestic Airport Lounge
2 complimentary domestic lounge visits per quarter
~₹4,000/yr value
Travel Insurance
Overseas travel insurance up to ₹25 lakh
~₹3,000/yr value
Fuel Surcharge Waiver
1% fuel surcharge waiver
~₹3,000/yr value
Dining & Lifestyle Offers
Discounts at partner restaurants and lifestyle brands
~₹3,000/yr value
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹1 (ANNUAL)
Renewal Bonus – 4,000 Reward Points on Fee Payment: Earn 4,000 bonus reward points upon payment of the annual fee (if fee waiver not achieved). Points worth ₹1,000.
Spend ₹1,50,000 (ANNUAL)
Annual Fee Waiver – ₹1.5L Spend: Annual fee of ₹1,000 waived on achieving spends of ₹1,50,000 or more in the preceding calendar year.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the Standard Chartered Bank India website.
| Annual Fee | ₹1,000 |
| Forex Markup | As per issuer schedule |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about Standard Chartered Rewards Credit Card.
Ready to apply for Standard Chartered Rewards Credit Card?
Apply directly on the Standard Chartered Bank India website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.