Standard Chartered
Platinum · Rewards
Standard Chartered Rewards Credit Card
Standard Chartered
5X rewards on shopping, 2X on dining
Annual Fee
₹999
Joining Fee
₹999
Reward Rate
0.3%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹4,821
Total Annual Benefits
₹6,000
Total Annual Charges
₹1,179
ROI
509%
Fee Waiver Available
Annual fee waived on spending ₹1 Lakh in the preceding year — ₹1,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Shopping Benefits (1)
5X Reward Points on Shopping
Earn 5X reward points on all shopping spends at retail and online stores
- • Retail and online shopping stores
5X RP
Dining Benefits (1)
2X Reward Points on Dining
Earn 2X reward points on all dining transactions at restaurants and food delivery platforms
- • Restaurants, cafes, and food delivery platforms
2X RP
Reward Points (1)
1X Reward Points on Other Spends
Earn 1 reward point per ₹100 on all other retail purchases
- • Excludes cash advances and quasi-cash
1 RP per ₹100
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on fuel transactions
- • Valid on transactions ₹400–₹5,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
Standard Chartered 360° Rewards
5X shopping, 2X dining, 1 RP per ₹100 other
Effective cashback: 0.25%
Points expire: 2 years from date of accrual
Redemption Options
- → Gift cards and vouchers
- → Merchandise from rewards catalogue
- → Statement credit
Bonus Categories
Shopping
5x multiplier
5X reward points on shopping
Dining
2x multiplier
2X reward points on dining
Others
1x multiplier
1 reward point per ₹100 on other spends
Milestone Bonuses
2,000 bonus reward points on spending ₹1 Lakh annually
Spend ₹1,00,000 annually
2,000 Reward Points
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹999 Excluding GST |
| Annual Fee | ₹999 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹1,000
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹20
- Other Bank Withdrawal
- ₹20
- Intl. Withdrawal Fee
- 2.5% + ₹125
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹5,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹25,000
- Min. Annual Income
- ₹3,00,000
- Min. Credit Score
- 700
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹25,000
- • Self-Employed: ITR > ₹3 Lakh p.a.
- • Subject to credit assessment
Airport Lounge Access
Domestic
0 visits/year
Not included
International
0 visits/year
Not included
- • Lounge access not included with this card
Transaction Limits
ATM Withdrawal / Day
₹25,000
POS & E-Commerce / Day
₹2,00,000
Contactless / Txn
₹2,000
Features
Contactless payments EMV chip security Domestic usage Add-on cards available EMI conversion facility 5X rewards on shopping 2X rewards on dining SC mobile app and online banking
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The Standard Chartered Rewards Credit Card offers 5X reward points on shopping and 2X on dining spends, making it a great card for those who spend reg...
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