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Standard Chartered Bank
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.
Terms read from published copy
The rates below were read from Standard Chartered Bank’s published wording rather than a confirmed rate table, so treat them as indicative.
Terms effective from 9 Oct 2026.
See where each figure came fromData-driven verdict based on net earnings after fees and caps.
Key strength
This card publishes no category-wise reward rates.
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.
We do not have category-wise reward rates recorded for this card. Check the issuer's page before relying on it.
We do not have redemption details recorded for this card. Check the issuer's page before relying on it.
| 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 |
| Cash withdrawal | 3% | 3% of the amount withdrawn, subject to a minimum of Rs. 300 |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
We do not have airport lounge recorded for this card. Check the issuer's page before relying on it.
We do not have fuel surcharge waiver recorded for this card. Check the issuer's page before relying on it.
We do not have upi payments recorded for this card. Check the issuer's page before relying on it.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.
We do not have a list of excluded categories 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.
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 Super Value Titanium Credit Card₹885
Standard Chartered BankStandard Chartered DigiSmart Credit Card₹588HSBC Taj Credit CardHSBC BankHSBC Taj Credit Card₹1,10,000Axis Bank Atlas Credit CardAxis BankAxis Bank Atlas Credit Card₹5,900IRCTC SBI Card PremierSTATE BANKIRCTC SBI Card Premier₹590Tata Neu Plus SBI Credit CardSTATE BANKTata Neu Plus SBI Credit Card₹589| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| Standard Chartered Rewards Credit Card · this card | ₹1,180 | Not published | Not recorded |
| Standard Chartered Super Value Titanium Credit Card | ₹885 | Up to 5% cashback | No |
| Standard Chartered DigiSmart Credit Card | ₹588 | Up to 15% cashback | No |
| HSBC Taj Credit Card | ₹1,10,000 | Up to 5 reward points per ₹100 | Included |
| Axis Bank Atlas Credit Card | ₹5,900 | Up to 5 miles per ₹100 | 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.
We do not have lounge details recorded for this card. Check the issuer’s page.
We do not have UPI details recorded for this card.
We do not have an exclusions list recorded for this card. Check the issuer’s terms.
We do not have redemption details recorded.
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.
We do not hold the issuer's own terms, fee-schedule or MITC links for this card yet.
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 — see the rates above. ₹1,180 a year.