Standard Chartered Bank
Standard Chartered Rewards Credit Card
This is an invite only card
Top Benefits
Earn Up to 8 Reward Points per ₹150 on Monthly Retail
are earned once retail spends cross ₹20,000 in a statement cycle, capped at 2,000 bonus reward points per cycle
Enjoy 4 Complimentary Domestic Airport Lounge
Every Calendar year, with no spend condition
Best For
Shopping
Travel
Utility Bills
Expert Review
Joining / Annual Fee
Joining Fees
₹0 ( ₹0 + GST )
Annual Fees
₹1,180 ( ₹1000 + GST )
Eligibility
Age
Criteria*
18-65 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- Earn 4 reward points per ₹150 spent on all retail transaction categories, with no cap on base reward points
- an additional 4 bonus reward points per ₹150 once retail spends cross ₹20,000 in a statement cycle, with bonus points capped at 2,000 per statement cycle up to 8 reward points per ₹150 in total on spends above that threshold
- Government payments and insurance payments earn 1 reward point per ₹150
- 1 complimentary domestic airport lounge visit per calendar quarter (4 a year) through the Mastercard Domestic Lounge program
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward point = ₹0.25
Redemption Options
- 360 Reward Portal
- Vouchers
To check redemption catalogue
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel
Rent
Disputed Transactions
Finance Charges
Cash Advance
Cash Withdrawal
For Spends Waiver
Fuel
Rent
Disputed Transactions
Finance Charges
Cash Advance
Cash Withdrawal
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 3.5% |
APR Fees Finance charges of 3.75% per month 45% per annum apply on unpaid outstanding balances until the amount is fully repaid | 3.75% |
ATM withdrawal 3.00% of the withdrawn amount is charged on cash advances using the credit card minimum ₹300, if applicable | 3% |
Reward Redemption Fees ₹99 redemption fee per redemption | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 2.50% is applied to transactions made for booking railway tickets | 2.5% |
Rent Payment Fees A surcharge fee of 1% applies on rental transactions made using the credit card | 1% |
cheque Payment Fees A fee of ₹500 is levied for cheque return, cheque dishonour, or auto-debit reversal | ₹500 |
Cash Payment Fees A fee of ₹299 is levied for making payment of credit card bills by depositing cash at a bank branch | ₹299 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹101 - ₹500 | ₹100 |
| ₹501 - ₹5,000 | ₹500 |
| ₹5,001 - ₹10,000 | ₹700 |
| Above ₹10,000 | ₹1200 |
That’s the full story of this credit card
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Top Benefits
Top Benefits
Earn Up to 8 Reward Points per ₹150 on Monthly Retail
are earned once retail spends cross ₹20,000 in a statement cycle, capped at 2,000 bonus reward points per cycle
Enjoy 4 Complimentary Domestic Airport Lounge
Every Calendar year, with no spend condition
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