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Standard Chartered Bank Credit Cards

Standard Chartered credit cards cater to various customer needs across travel, shopping, cashback, fuel, utility bill payments and other categories. Here, we have covered all the information about the best Standard Chartered credit cards available in India with their features, benefits, eligibility, and fees & charges. You can compare these cards before applying for any of them.

Top Standard Chartered Credit Cards in India in 2023

Standard Chartered credit cards offer many unique features and benefits including accelerated rewards, cashback, discounts, air miles, easy EMI, etc. Following is the list of top SC cards available in India:

Credit Card Variant  Joining Fee Annual Fee Best Suited For
Standard Chartered Rewards Credit Card Nil Rs. 1,000 + GST Rewards
Standard Chartered EaseMyTrip Credit Card Rs. 350 + GST Rs. 350 + GST Travel
Standard Chartered Smart Credit Card Rs. 499 + GST Rs. 499 + GST Cashback
Standard Chartered Ultimate Credit Card Rs. 5,000 Rs. 5,000 Cashback
Standard Chartered Platinum Rewards Card Rs. 250 + GST Nil Rewards
Standard Chartered Super Value Titanium Credit Card  Rs. 750 Rs. 750 Cashback
Standard Chartered Manhattan Platinum Credit Card Rs. 999 + GST Rs. 999 + GST Cashback
Standard Chartered Priority Visa Infinite Credit Card Nil Nil Rewards
Standard Chartered DigiSmart Credit Card Rs. 49 per month Rs. 49 per month Shopping

Standard Chartered Bank Credit Cards: Features & Benefits

Following are the key features and benefits of top Standard Chartered Bank credit cards:

Standard Chartered Rewards Credit Card

Standard Chartered Rewards Credit Card offers attractive rewards on all spends. The card also gives 1 complimentary visit per quarter to domestic airport lounges. All these benefits come with zero joining fees and reversible annual fees.

Key Features

  • 4 reward points on per Rs. 150 retail spends (except government, fuel, & insurance).
  • Additional 4 reward points per Rs. 150 on monthly retail spends above Rs. 20,000.
  • 1 reward point on every Rs. 150 spent on government & insurance categories.
  • 1 complimentary domestic airport lounge access per quarter.
  • 1% fuel surcharge waiver on all fuel spends.
  • Zero joining fee is levied on this SCB credit card.
  • From the second year onwards, the annual fee is reversed on spends of Rs. 3 Lakhs or more in the previous year.

Standard Chartered EaseMyTrip Credit Card

Standard Chartered EaseMyTrip Credit Card is suitable for getting travel benefits. This travel credit card offers accelerated rewards, complimentary lounge access, discounts on travel bookings, and much more on travel spending.

Key Features:

  • Flat 20% off on domestic & international hotel bookings.
  • Flat 10% off on domestic & international flight bookings.
  • Rs. 125 off on bus ticket bookings.
  • 10x rewards on spending every Rs. 100 for booking tickets at standalone hotel & airline websites/ apps/ outlets.
  • 2x reward points on spending every Rs. 100 on all other retail spends.
  • Get an annual fee of Rs. 350 waived on spending Rs. 50,000 or more in the previous year.
  • This SC credit card offers 1 domestic airport lounge access per calendar quarter & 2 international airport lounge access per year.

Standard Chartered Smart Credit Card

Standard Chartered Smart Credit Card is a perfect fit for those who are looking for cashback across all spending. This cashback credit card comes with amazing features such as multiple redemption options, purchases into EMIs conversion, interest-free credit period, and so on.

Key Features:

  • Extended interest-free credit period for the first 90 days after credit card issuance by paying only the minimum amount due.
  • 2% cashback (maximum Rs. 1,000 per month) on online spending.
  • 1% cashback (maximum Rs. 500 per month) on other spends (except fuel transactions).
  • Convert your transactions into EMIs at a 0.99% per month interest rate and nil processing fee.

Standard Chartered Ultimate Credit Card

Standard Chartered Ultimate Credit Card is a premium credit card suitable for frequent travellers and golfers. If you want a credit card with low foreign currency markup fee, cashback and other attractive travel benefits, you should get this card.

Key Features:

  • 5 reward points on spending every Rs. 150.
  • Get maximum benefit with 1 reward point equal to Rs. 1.
  • 5% cashback on duty-free spends. 
  • Access to 1000+ airport lounges across the world.
  • Reduced foreign currency markup fee of 2% on all foreign currency transactions.
  • Complimentary access to premier golf courses in India.
  • Earn 6000 reward points (worth Rs. 6,000) on joining fee payments.

Standard Chartered Platinum Rewards Card

Standard Chartered Platinum Rewards Credit Card is a decent entry-level lifetime free card. If your major monthly expenses are incurred on fuel and dining and you wish to get rewarded for these expenses, you should apply for this card.

Key Features:

  • 5 reward points for spending every Rs. 150 on dining & fuel with no monthly cap on the rewards earned. 
  • 1 reward point for spending every Rs. 150 on all other categories.
  • Get instant approval on the card application without any documentation.
  • Zero annual fee.
  • Spend Rs. 500 or more within 30 days from card issuance to get a one-time joining fee of Rs. 250 + GST waived.

Standard Chartered Super Value Titanium Credit Card

Standard Chartered Super Value Titanium is a popular cashback credit card in India. You must avail of this card if you use a card for fuel and utility & telecom bill payments. This Standard Chartered credit card offers rewards as well as cashback benefits.

Key Features:

  • 5% cashback (up to Rs. 200 per month) on fuel spends of Rs. 2,000 or below across all fuel stations. 
  • 5% cashback (up to Rs. 100 per month) on paying utility bills of a minimum of Rs. 750. 
  • 5% cashback (up to Rs. 200 per month) on telephone bills above Rs. 750.
  • 1 reward point for spending every Rs. 150 on all other expenses. 
  • Complimentary Super Value Titanium credit card for premium banking customers with a complimentary Priority Pass membership.
  • Instant approval on card application with online video KYC. 

Standard Chartered Manhattan Platinum Credit Card

Standard Chartered Manhattan Platinum Card is a great option for those who are looking for cashback offers on their daily expenses and want to get hotel and travel benefits.

Key Features:

  • 5000 reward points on payment of the joining fee.
  • Get a renewal fee of Rs. 999 + GST reversed on spending above Rs. 1,20,000 in the previous year.
  • 5% cashback at supermarkets.
  • Up to 25% discount at EasyMyTrip.
  • 3X rewards on using your credit card for all other expenses.
  • A host of offers and discounts across travel, shopping, and more.

Standard Chartered Priority Visa Infinite Credit Card

Standard Chartered Priority Visa Infinite Card provides you with an exclusive rewarding experience as a Priority Banking client. This reward credit card is free for a lifetime as it doesn’t involve any joining and annual fees.

Key Features:

  • 5X reward points for spending every Rs. 150 overseas or on retail fashion. 
  • 2X reward points for all other spends.
  • 4 complimentary domestic airport lounge access each quarter.
  • Priority Pass membership provides access to international airport lounges worldwide at a nominal charge. 
  • Complimentary overseas air accident cover of Rs. 1 Crore
  • Complimentary medical insurance worth USD 25,000.
  • Nil joining and annual fees.

Standard Chartered DigiSmart Credit Card

It is the best Standard Chartered credit card for online purchases with attractive offers on grocery, dining, travel and more.

Key Features:

  • 20% off at Myntra with no minimum spend. Offer valid on 1 transaction a month. 
  • Use promo code DIGISMART and get 10% off on Grofers with no minimum spend limit. Offer valid for 5 transactions a month. 
  • Use promo code DIGISMART to get a 10% discount on Zomato orders with no minimum spend. Offer valid for 5 transactions a month. 
  • Buy One Get One movie ticket free at INOX on Saturdays & Sundays. Offer valid for 2 transactions a month. 
  • 20% discount at Yatra on domestic flights up to Rs. 750.
  • 10% discount at Yatra on international flights up to Rs. 10,000. 
  • 25% discount at Yatra on domestic hotel bookings up to Rs. 4,000. 
  • Above 3 offers are valid for 1 transaction per quarter, per category. Use promo code DIGISMART.
  • 15% cashback on Ola cab bookings. 
  • Instant approval on card application with online video KYC.

Standard Chartered Bank Credit Cards - Fees & Charges

Card Name Joining Fee Annual Fee Finance Charges Late Payment Charges
Standard Chartered Rewards Credit Card Nil Rs. 1,000 + GST Up to 3.75% p.m. (APR of 45%), varies from card to card. Up to Rs. 1,200 (depending on statement outstanding balance)
Standard Chartered EaseMyTrip Credit Card Rs. 350 + GST Rs. 350 + GST
Standard Chartered Smart Credit Card Rs. 499 + GST Rs. 499 + GST
Standard Chartered Ultimate Credit Card Rs. 5,000 Rs. 5,000
Standard Chartered Platinum Rewards Card Rs. 250 + GST Nil
Standard Chartered Super Value Titanium Credit Card  Rs. 750 Rs. 750
Standard Chartered Manhattan Platinum Credit Card Rs. 999 + GST Rs. 999 + GST
Standard Chartered Priority Visa Infinite Credit Card Nil Nil
Standard Chartered DigiSmart Credit Card Rs. 49 per month Rs. 49 per month

Standard Chartered Bank Credit Cards Eligibility

You will be required to meet the following eligibility criteria to be eligible for Standard Chartered Bank Credit Cards:

  • Age: The applicant should be aged between 18 to 65 years for Standard Chartered EaseMyTrip Credit Card, and Standard Chartered Smart Credit Card, and 21 to 65 years for others.
  • Add-on cardholder age: The minimum age of add-on cardholders should be 18 years.
  • Monthly income: The applicant should have a stable monthly income. The minimum monthly income required for a Standard Chartered Super Value Titanium Credit Card is Rs. 55,000 and Rs. 50,000 for a Standard Chartered DigiSmart Credit Card.
  • Other requirements: The applicant should belong to credit card sourcing cities/locations of the bank. All applications are subject to credit & other policy checks of the Bank.

Standard Chartered Bank Credit Cards Documents Required

If you want a Standard Chartered Credit Card apply with the following documents:

  • Photo identity proof (anyone): Passport, voter ID card, government ID, etc.
  • Current address proof (any one): Aadhaar card, passport, driving license, election/voter ID card, job card issued by NREGA (signed by an officer of the State Government), a letter issued by the National Population Register (NPR) containing details of name & address.
  • Other documents: 1 recent passport-sized photograph and PAN card.
  • Financial documents for salaried: Latest 1 month salary slip.
  • Financial documents for self-employed businessmen: Latest income tax returns with computation of income/ certified financials, and last business continuity proof.
  • Financial documents for self-employed professionals: Latest Income tax returns, and business continuity proof.

How to Apply for a Standard Chartered Bank Credit Card?

Follow the steps mentioned below to apply for a Standard Chartered Bank credit card online:

  • Visit the official website of Standard Chartered Bank.
  • Go to the 'Our Products' section and then click on 'Credit Cards'.
  • Select the desired credit card from the available Standard Chartered credit cards under the Reward, Cashback, and Travel categories.
  • Complete the application and submit the same.
  • A bank representative will connect with you to confirm the approval/rejection of your credit card.
  • Upload/submit necessary documents.
  • The bank will conduct final policy and verification checks for your Standard Chartered credit card application.
  • Upon successful completion of verification and checks, you can expect to get your Standard Chartered Bank credit card within 7 to 15 days.
  • You can track Standard Chartered Bank credit card application status through the loan tracker service of the bank.

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