Standard Chartered Credit Cards: Offers, Benefits & Rewards

Why Choose a Standard Chartered Credit Cards?

Before choosing any credit card, it is essential to check that there are no hidden charges, how much cashback is available, and for travellers, whether lounge access is available at the airport or not.

For example, if you take a lot of international flights, then the Standard Chartered Credit Card is the best option for you. Similarly, for fuel and shopping, Standard Chartered Platinum Rewards is the best choice.

Entry-Level Standard Chartered Credit Cards

Standard Chartered Platinum Rewards Credit Card

Standard Chartered Platinum Rewards Credit Card is for those who want rewards without extra fees, such as People who love to eat in restaurants. Standard Chartered Platinum cards include 5x reward points on dining and fuel purchases This is the best  For Early Credit card users who offers good value for everyday spending.

Key Features:

• Joining Fee: ₹250 + GST (waived on spending ₹500 in first 30 days)
• Annual Fee: ₹250 + GST (lifetime free on meeting initial spend)
• Welcome Benefit: Exclusive offers worth more than joining fee
• Dining Rewards: 5 reward points per ₹150 spent at fine-dining outlets (no monthly cap)
• Fuel Rewards: 5 reward points per ₹150 spent on fuel transactions (no monthly cap)
• Other Spends: 1 reward point per ₹150 spent on all other categories
• Restaurant Discounts: 15% off at participating restaurants
• Movie Benefits: 25% off on Inox movie tickets
• Insurance Coverage: Personal accident cover
• Zero Liability: Protection against fraudulent transactions
• EMV Chip Security: Enhanced fraud protection

The Platinum Rewards dining benefits, with 5x points, make this card attractive for restaurant lovers . Someone who spends ₹10,000 per month (₹1,20,000 annually) on dining and fuel will earn 40,000 reward points annually with this card, worth ₹1,000-₹1,200, which far outweighs the nominal fees.

Mid-Tier Standard Chartered Credit Cards

Standard Chartered Emirates World Credit Card

The Standard Chartered Emirates World Credit Card serves Emirates Airlines loyalists seeking Skywards miles and travel benefits. Emirates World card miles include 6× on Emirates reservations. This co-branded card targets frequent flyers who prefer Emirates.

Key Features:

• Joining Fee: ₹3,000 + GST
• Annual Fee: ₹3,000 + GST
• Welcome Benefit: 4,000 bonus Skywards miles (worth ₹800-₹1,200)
• Renewal Benefit: 1,500 Skywards miles on annual fee payment
• Emirates Bookings: 6 Skywards miles per ₹150 spent on Emirates.com
• Other Spends: 3 Skywards miles per ₹150 spent on all other transactions
• Airport Lounge Access: 25+ complimentary domestic lounge visits annually
• International Lounge: 2 Priority Pass accesses per month
• Duty-Free Cashback: 5% cashback on duty-free shopping (up to ₹1,000/month)
• Golf Privileges: 1 complimentary golf lesson per month + 50% discount on golf games
• Travel Insurance: Coverage up to ₹1 crore for overseas air accidents
• Miles Transfer: Automatic transfer to Emirates Skywards account

Emirates card Skywards miles accumulate quickly on Emirates bookings at 6×, and lounge access with 25+ domestic visits delivers ₹12,500-₹25,000 yearly value. For Emirates travellers spending ₹50,000 annually on Emirates tickets, this card generates ₹20,000 Skywards miles worth ₹4,000-₹6,000 for future flights.

Premium Standard Chartered Credit Cards

Standard Chartered Ultimate Credit Card

The Standard Chartered Ultimate Credit Card represents the bank’s super-premium offering for affluent travellers and lifestyle seekers. Standard Chartered Ultimate lounge access includes a Priority Pass subscription. This ultra-premium card delivers comprehensive travel and lifestyle benefits.

Key Features:

• Joining Fee: ₹5,000 + GST
• Annual Fee: ₹5,000 + GST (waivable on high spending)
• Welcome Benefit: 6,000 reward points redeemable for shopping vouchers or charity donations
• Reward Earning: 5 reward points per ₹150 spent on all purchases
• Airport Lounge Access – Domestic: 4 complimentary visits per calendar quarter (16 annually)
• Airport Lounge Access – International: 1 complimentary Priority Pass visit per month (on spending ₹20,000 in previous month)
• Priority Pass Membership: Complimentary with access to 1,000+ lounges worldwide
• Golf Privileges: 1 complimentary golf game per month + 1 free golf coaching session monthly
• Duty-Free Cashback: 5% cashback on all duty-free purchases at airports
• Travel Insurance: Premium coverage for flight delays, baggage loss
• Fuel Surcharge Waiver: Available on eligible transactions
• Foreign Currency Markup: Competitive rates on international spending
• Insurance Coverage: Complete protection for your travel and purchases

The Ultimate Card provides Priority Pass access to over 1,000 global lounges and Golf benefits include 12 free games and 12 coaching sessions every year, worth ₹36,000–₹60,000. For passengers who take 12 or more flights annually and spend ₹20,000+ per month, this card offers unlimited domestic quarterly lounge access (16 visits), monthly international access (12 visits), and golf privileges, providing a value of ₹30,000-₹50,000.

Standard Chartered Credit Card Rewards & Redemption

Standard Chartered 360° Rewards redemption offers multiple pathways:

Reward Structures

Redemption Options

Standard Chartered reward points can be redeemed through:

• Shopping Vouchers: Gift cards from 100+ brands including Amazon, Flipkart
• Travel Bookings: Flight and hotel reservations via travel partners
• Merchandise: Electronics, appliances via rewards catalog
• Charity Donations: Donate points to charitable causes
• Statement Credit: Offset balance with points
• Emirates Flights: Redeem Skywards miles for Emirates tickets (Emirates card)

Points typically hold ₹0.025-₹0.030 value per point, with Skywards miles offering ₹0.20-₹0.30 per mile for Emirates flight redemptions.

Eligibility Criteria

Standard Chartered credit card eligibility requirements:

Age Requirements:

• Primary cardholder: 21-65 years
• Add-on cardholder: 18+ years

Income Criteria:

• Entry-Level (Platinum Rewards): ₹30,000-₹50,000 monthly for salaried; ₹5-₹8 lakh annual ITR for self-employed
• Mid-Tier (Emirates World): ₹60,000-₹1,00,000 monthly for salaried; ₹10-₹15 lakh annual ITR for self-employed
• Premium (Ultimate): ₹1,50,000-₹2,50,000 monthly for salaried; ₹25-₹40 lakh annual ITR for self-employed

Credit Score: 750+ recommended; 800+ preferred for premium cards

Employment: Salaried with 1+ year employment or self-employed with 2+ years business vintage

Documents Required

• PAN card (mandatory)
• Aadhaar card
• Passport
• Recent salary slips (3 months)
• Bank statements (6 months)
• ITR documents (2 years for self-employed)
• Passport-size photographs

Standard Chartered Credit Card Fees & Charges

Additional Charges:

• Interest Rate: 3.5% per month (42% annually)
• Cash Advance Fee: 3% (minimum ₹300)
• Foreign Currency Markup: 3.5% + GST
• Late Payment: ₹600-₹1,300 based on outstanding

Our Top 2 Picks Based on Salary

Check Our Top 2 Picks Based on Salary to compare the best credit cards suited for your monthly income and lifestyle.

Best Card for a Monthly Salary Below ₹50,000: Standard Chartered Platinum Rewards Credit Card

Standard Chartered Platinum Rewards offers great dining and fuel rewards at a minimal cost, providing an annual value of ₹3,000-₹5,000 through 5× points, with no monthly limit.

Best Card for Above ₹50,000 Monthly Salary: Standard Chartered Ultimate Credit Card

Standard Chartered Ultimate credit card offers super-premium travel and golf benefits for a fee of ₹5,000, providing an annual value of ₹35,000-₹70,000 through extensive lounge access and free golf.

Conclusion

Standard Chartered Bank has been around for over 165 years and has built a strong reputation for reliability. The bank offers excellent credit cards tailored to different lifestyles, such as those who enjoy dining out and traveling, especially frequent travelers.

It provides more lounge access than most other cards, and its partnership with Emirates makes it a great option for international travellers. Most of the cards mentioned above have joining fees ranging from ₹3,000 to ₹5,000, so choose the card that best suits your needs.