Standard Chartered Bank

Best of Standard Chartered Bank

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Best overall

Standard Chartered Rewards Credit Card

Up to 4 reward points per ₹150

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Lowest fee

Standard Chartered DigiSmart Credit Card

₹49 a year

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Quick picks

Entry level · Cashback Cards

Standard Chartered Bank

Standard Chartered Smart Credit Card

2% cashback on every online spend and 1% on everything else, with the first year free

Best forOnline shopping with no category to plan around
2% on everything online
First year free

Annual fee

₹499

Fee waivable on spend

Joining feeNil

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Reward rate: Up to 2% cashback
Forex markup: 3.5%
Lounge access: None
Interest: 45% p.a.
Credit score: 700+

Heads-up: The 2% online rate caps at Rs. 1,000 a month and the 1% rate at Rs. 500 a month, so the advertised Rs. 18,000 a year needs Rs. 1,00,000 of…

Everyday · Rewards Cards

Standard Chartered Bank

Standard Chartered Rewards Credit Card

4 Reward Points per Rs. 150 on all retail, doubling above Rs. 20,000 of monthly spend

Best forEveryday retail spending with no category to track
Complimentarylounge access
4X on all retail spends

Annual fee

Nil

Joining feeNil

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Reward rate: Up to 4 reward points per ₹150
Forex markup: 3.5%
Lounge access: 4/yr domestic
Interest: 45% p.a.
Credit score: 750+

Heads-up: 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.

Everyday · Cashback Cards

Standard Chartered Bank

Standard Chartered Super Value Titanium Credit Card

5% back on fuel, phone bills and utility bills — the three things everybody pays every month

Best forFuel, telephone and utility bill payments
5% back on phone bills
5% back on utility bills

Annual fee

₹750

Joining fee₹885

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Reward rate: Up to 5% cashback
Forex markup: 3.5%
Lounge access: None
Interest: 45% p.a.
Credit score: 700+

Heads-up: Cashback stops at Rs. 200 a month on fuel, Rs. 200 on phone bills and Rs. 100 on utilities — Rs. 500 a month in total, and Rs. 100 on any…

Entry level · Cashback Cards

Standard Chartered Bank

Standard Chartered DigiSmart Credit Card

The only card here billed monthly — Rs. 49 a month, erased by Rs. 5,000 of spending

Best forBlinkit, Zomato, Ola and INOX spending
A monthly fee, not an annual one
10% off Blinkit, no minimum spend

Annual fee

Nil

Fee waivable on spend

Joining feeNil

Apply now View details

Reward rate: Up to 15% cashback
Forex markup: 3.5%
Lounge access: None
Interest: 45% p.a.
Credit score: 700+

Heads-up: 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…