Standard Chartered Rewards Credit Card
Updated on August 26, 2026
🎖️Reward Rate
Base Rewards: 4 Reward Points per ₹150 (4 Reward Points per ₹150 spent on all retail transactions)
Overview
Standard Chartered Rewards Credit Card by Standard Chartered Bank provides premium value tailored for Mid-Premium cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rewards: 4 Reward Points per ₹150 (4 Reward Points per ₹150 spent on all retail transactions)
- • 8 Reward Points per ₹150 (8 Reward Points per ₹150 on retail spends exceeding ₹20,000 in a calendar month (4X base + 4X bonus))
- • Accelerated Rewards: 8 Reward Points per ₹150 on monthly spends > ₹20,000 (up to 2,000 bonus reward points per month). 1 pt = ₹0.25.
- • Excluded Categories: Fuel, Rent, Wallet loads
Welcome Benefit
4,000 bonus Reward Points upon payment of joining fee and completing 1st transaction within 30 days; Qualification Criteria: Payment of joining fee and first spend within 30 days; Fulfillment Timeline: 60 days post joining fee settlement
Milestone Benefit
Spend ₹3 Lakhs (Annual): Annual fee waiver of ₹1,000 + GST; Spend ₹20,000 (Monthly): 1,000 bonus reward points on spending ₹20,000 or more in a billing month; Annual Fee Waiver: Spend ₹3,00,000 or more in preceding year for annual fee waiver
Redemption
- • Redeem on 360° Rewards catalog for flights, hotels, Apple products, and vouchers at 1 pt = ₹0.25
- • Statement cash credit
Benefits
- Domestic Airport Lounge: 1 per quarter (4 visits per year, subject to ₹20,000 spend in previous month) via Visa Lounge Program (Guest Access: Paid guest access)
- Fuel Surcharge Waiver: 1% (Max waiver ₹300 per month)
- The Good Food Trail: Up to 20% discount across top dining partners under Standard Chartered Good Food Trail program. (Exclusive dining discounts in major metros) [Partners: Good Food Trail]
Things to Know Before you apply
Standard Chartered Rewards Credit Card Eligibility Criteria
- Age: 21–65 years
- Net Annual Income ₹6,00,000+ (Salaried min ₹50,000/month)
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹1,000 |
| Annual Fee | ₹1,000 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 3.0% (min ₹300) |
Fee waiver: Spend ₹3,00,000 or more in preceding year for annual fee waiver
PaisaSimple Review
Overall Rating
4.9/5What do we like about this card?
Standard Chartered Rewards Credit Card issued by Standard Chartered Bank is one of India's leading credit cards for Mid-Premium spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 4 Reward Points per ₹150 (4 Reward Points per ₹150 spent on all retail transactions)
- • 8 Reward Points per ₹150 (8 Reward Points per ₹150 on retail spends exceeding ₹20,000 in a calendar month (4X base + 4X bonus))
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹1000
- • Reward exclusion on fuel purchases and wallet load transactions
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- • 4,000 bonus Reward Points upon payment of joining fee and completing 1st transaction within 30 days
- • Qualification Criteria: Payment of joining fee and first spend within 30 days
- • Fulfillment Timeline: 60 days post joining fee settlement
- • 6,000 bonus Reward Points worth ₹1,500 upon payment of joining fee
- • Qualification Criteria: Payment of joining fee within 30 days
- • Fulfillment Timeline: 30 days post fee realization
- • 2,000 bonus Reward Points upon spending ₹5,000 within first 60 days
- • Qualification Criteria: ₹5,000 retail spend within 60 days of card setup
- • Fulfillment Timeline: 45 days
- • Base Rewards: 4 Reward Points per ₹150 (4 Reward Points per ₹150 spent on all retail transactions)
- • 8 Reward Points per ₹150 (8 Reward Points per ₹150 on retail spends exceeding ₹20,000 in a calendar month (4X base + 4X bonus))
- • Accelerated Rewards: 8 Reward Points per ₹150 on monthly spends > ₹20,000 (up to 2,000 bonus reward points per month). 1 pt = ₹0.25.
- • Excluded Categories: Fuel, Rent, Wallet loads
- • Base Rewards: 1 Reward Point per ₹100 (1 Reward Point per ₹100 on other retail spends)
- • Accelerated Rewards: 7.25% value back on BPCL fuel & lubricants: 25 Reward Points per ₹100 (6.25% value) + 1% fuel surcharge waiver (capped at 2,500 RPs per billing cycle). 10 RPs per ₹100 on Dining, Groceries, Departmental Stores & Movies.
- • Excluded Categories: Non-BPCL petrol pumps, Wallet loads
- • Base Rewards: 2 ICICI Reward Points per ₹100 (2 points per ₹100 spent at HPCL fuel stations)
- • 2 ICICI Reward Points per ₹100 (2 points per ₹100 spent on general retail)
- • Accelerated Rewards: Up to 5% savings on HPCL fuel purchases (2.5% cashback + 2 Reward Points per ₹100 + 1% surcharge waiver via ICICI POS)
- • Excluded Categories: Non-HPCL petrol pumps
- • Base Rewards: 4 Reward Points per ₹150 (4 Reward Points per ₹150 spent on all retail transactions)
- • 8 Reward Points per ₹150 (8 Reward Points per ₹150 on retail spends exceeding ₹20,000 in a calendar month (4X base + 4X bonus))
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 1 Reward Point per ₹100 (1 Reward Point per ₹100 on other retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 2 ICICI Reward Points per ₹100 (2 points per ₹100 spent at HPCL fuel stations)
- • 2 ICICI Reward Points per ₹100 (2 points per ₹100 spent on general retail)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Annual renewal fee of ₹1000
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹1499
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹500
- • Reward exclusion on fuel purchases and wallet load transactions