Standard Chartered Credit Cards in India 2026

20% discount (upto ₹5000 per month) on domestic hotel bookings on EaseMyTrip - on bookings upto ₹25,000 per month 
– On monthly bookings above ₹25,000, you will only get the maximum discount of ₹5000, hence your discount percentage will fall below 20%.
– You can avail this discount once per month.

20% discount (upto ₹10,000 per month) on international hotel bookings on EaseMyTrip - on bookings upto ₹50,000 per month
– On monthly bookings above ₹50,000 , your discount percentage will fall below 20%.
– You can avail this discount once per month.

10% discount (upto ₹1000 per month) on domestic flight bookings on EaseMyTrip - on bookings upto ₹10,000 per month
– On monthly bookings above ₹10,000, your discount percentage will fall below 10%.
– You can avail this discount once per month.

10% discount (upto ₹5000 per month) on international flight bookings on EaseMyTrip - on bookings upto ₹50,000 per month
– On monthly bookings above ₹50,000, your discount percentage will fall below 10%.
– You can avail this discount once per month.

₹125 discount (upto 25%) on domestic bus bookings on EaseMyTrip
– On monthly bookings above ₹500 , your discount% will fall below 25%.
– You can avail this discount once per month.

Additional 0.50% benefit on all EaseMyTrip spends
– In addition to the above, you also earn 2 reward points worth ₹0.50, on every ₹100 you spend on above EaseMyTrip spends (including EaseMyTrip spends beyond the monthly limits described above)
1 reward point = ₹0.25 (25 paise), and can be redeemed on R360, the rewards redemption platform of Standard Chartered

2.50% benefit on spends at hotel and airline websites/apps/outlets 
– You earn 10 rewards points worth ₹2.50, on every ₹100 spent at the standalone hotel and airline websites/apps/outlets.
– 1 reward point = ₹0.25 (25 paise), and can be redeemed on R360, the rewards redemption platform of Standard Chartered

0.50% basic benefit on all other card spends : You earn 2 reward points worth ₹0.50, on every ₹100 you spend on all other purchases

Complimentary airport lounge access in India – 1 per quarter

Complimentary airport lounge access outside India – 2 per year

Benefits
– Attractive discounts on hotels & flights, both domestic and international (10% – 20%). This can be availed on a monthly basis, which should be more than enough for entry level travellers.
– Complimentary airport lounge access both in India and abroad – enough number of free lounge visits for an entry level traveller
– The annual fee is not high and the annual spend target (₹50,000) to make the card virtually free is also not high

Drawbacks
– You are restricted to EaseMyTrip travel platform
– Not suitable for those travellers who prefer to travel by train, and also heavy bus travellers

▶︎ 0.83% benefit on fuel purchases and fine-dining spends (5X)
– You earn 3.33 reward points worth ₹0.83 (83 paise), on every ₹100 you spend at fine-dining outlets.
– 1 reward point = ₹0.25 (25 paise), and can be redeemed on the rewards portal of the bank (R360)

▶︎ 0.16% benefit on all other purchases (X)
– You earn 0.66 reward points worth ₹0.16 (16 paise), on every ₹100 you spend at fine-dining outlets.
– 1 reward point = ₹0.25 (25 paise), and can be redeemed on the rewards portal of the bank (R360)
– Exceptions : The following transactions do not earn any reward points – returned purchases, disputed or unauthorized/fraudulent transactions, transactions not initiated by the cardholder, finance charges, any other charges and fees, charged back transactions, cash advances.

Benefits
– Lifetime free card, only if you apply through the online channel only

Drawbacks to consider
– Low reward rates on card spending

Attractive annual fee offers
– Zero 1st year annual fee
– Annual fee from the 2nd year onwards is waived at ₹1.50 lakh annual card spend. If annual card spend is below ₹1.50 lakh, you get 4000 reward points worth ₹1000.

Complimentary domestic airport lounge access – 1 time per calendar quarter

1.33% reward on all monthly card spends above ₹20,000 || 0.66% reward on all monthly card spends under ₹20,000
- On all monthly card spends above ₹20,000 : You earn 5.33 reward points worth ₹1.33, on every ₹100 you spend in this category – 1.33% reward
- On all monthly card spends under ₹20,000 : You earn 2.66 reward points worth ₹0.66 or 66 paise, on every ₹100 you spend in this category – 0.66% reward
- 1 reward point = ₹0.25 (25 paise), when you redeem reward points for products, vouchers or services, on Standard Chartered Rewards Portal called R360 . You can also redeem your reward points for cashback against your outstanding credit card statement balance, at a slightly lower rate of 1 reward point = ₹0.20 (20 paise)
Exceptions
1. 0.16% benefit on insurance spends and government payments (X) : You earn 0.66 reward points worth ₹0.16 or 16 paise, on every ₹100 you spend in this category.
2. No reward points are given on the below categories-
– Fuel purchases, government spends, insurance spends.
– Returned purchases, disputed or unauthorized/fraudulent transactions, transactions not initiated by the cardholder, finance charges, any other charges and fees and charged back transactions; and
– Cash advances

1% fuel surcharge waiver, upto ₹400 per month : You get 1% fuel surcharge waiver at all fuel stations across India –
– only on fuel transactions between ₹400 and ₹2000, and
– only on upto ₹40,000 fuel spend per month, since the maximum waiver is capped at ₹400 per monthly card statement cycle

Benefits
– Card is virtually free : No joining fee. Annual fee is reversed if you spend ₹1.50 lakhs a year on the card. In case you do not qualify for this annual fee reversal, you are given reward points equivalent to the annual fee of the card.
– Complimentary domestic airport lounge access – 1 time per calendar quarter

Drawbacks to consider
– Rewards on card spending are comparatively low

2% cashback on ‘online spends’ 
– You earn ₹2 cashback, on every ₹100 you spend on online purchases
– This is valid only on online purchases upto ₹50,000 per month, since the maximum cashback at this special earning rate is limited to ₹1000 per month
– You can see and redeem the earned cashback on the Rewards Portal of the Bank called 360 Rewards
Note : For bill payments through Billdesk or StanChart Bill Pay, only transactions on billers registered under the following categories will be eligible for cashback:
– Telecom
– Utilities (electricity, water, gas)

1% cashback on all other card spends 
– You earn ₹1 cashback, on every ₹100 you spend on all other purchases-
– This is valid only on online purchases upto ₹50,000 per month, since the maximum cashback in this category is limited to ₹500 per monthly card statement cycle.
– Exceptions : The following transactions do not earn any cashback – fuel purchases, returned purchases, disputed or unauthorized/fraudulent transactions, transactions not initiated by the cardholder, finance charges, any other charges and fees, charged back transactions; and cash advances.

Benefits
– Entry level cashback card from Standard Chartered, which gives 2% cashback on all online spends, and 1% on all other card spends.
– Virtually free card if you spend 1.20 lakhs or more each year, and achieve the card spend-based annual fee waiver offer.

Drawbacks to consider
– You could get higher reward rate on other cards, especially on offline spends.

5% cashback on fuel purchases (including 1% fuel surcharge waiver), upto ₹200 per month
– Only on fuel purchases upto ₹4000 per month (since maximum cashback per month is capped at ₹200), and
– Only on fuel transactions below ₹2000 (since maximum cashback per transaction is capped at ₹100)

5% cashback on phone bill payments, upto ₹200 per month
– Only on bill payments upto ₹4000 per month (since monthly cashback is capped at ₹200), and
– Only on bill transactions between ₹750 and ₹2000 (since maximum cashback per transaction is capped at ₹100, and minimum transaction amount required is ₹750)
– Payment needs to be made through StandChart’s Billpay platform

5% cashback on utility bill payments, upto ₹100 per month
– Only on bill payments upto ₹2000 per month (since monthly cashback is capped at ₹100), and
– Only on transactions above ₹750
– Payment needs to be made through StandChart’s Billpay platform

0.16% benefits on all other card purchases 
– You earn 0.66 reward points worth ₹0.15 (15 paise), on every ₹100 you spend on all other purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed on the rewards portal of the bank (R360), for products, vouchers, services and more.
– No reward points are given on returned purchases, disputed or unauthorized/fraudulent transactions, finance charges, card account fees, cash withdrawals and charged back transactions

Complimentary Priority Pass Membership (Only for SCB Premium Banking customers)
– You get complimentary Priority Pass membership granting access to more than 1000 airport lounges worldwide.
– You get complimentary lounge visits – once per month (only if you have spent a minimum of ₹10,000 in the previous month on your card).

Benefits
– Good cashback rate on fuel purchases, phone bill payments and utility bill payments
– Comparatively low annual card spend target of ₹90,000, to get annual fee waived

Drawbacks to consider
– Monthly spend limits to earn 5% cashback are on the lower side

3.33% reward on all card spends (except specific categories mentioned below)
– You earn 3.33 reward points worth ₹3.33, on every ₹100 you spend on your card
– 1 reward point = ₹1. And can be redeemed on the Bank’s rewards redemption portal (R360) for vouchers, products and more.

2% reward on utilities, supermarkets, insurance, property management, schools & government payments
– You earn 2 reward points worth ₹2,, on every ₹100 you spend in these categories
– 1 reward point = ₹1. And can be redeemed on the Bank’s rewards redemption portal (R360) for vouchers, products and more.

No reward points are given on fuel purchases 

1 complimentary golf round per month, AND 1 complimentary golf lesson per month
– Program is brought to you through Golflan. All bookings need to be made through Golflan.
– For list of applicable golf courses and all terms and conditions, please look at the last section of the enclosed document – SCB Golflan Golf Program

Complimentary visits to airport lounges in India – 4 times per quarter 

Complimentary visits to airport lounges outside India – 1 time per month (through Priority Pass program)
– You get complimentary Priority Pass membership worth USD 99 per year.
– You also get 1 free visit per month, if the minimum card spend in the previous month is ₹20,000.

5% cashback on airport duty-free spends : You earn 5% cashback on duty-free spends, on duty free spends upto ₹20,000 per month (since maximum cashback is restricted to ₹1,000 per monthly card statement cycle)

2% foreign transaction fee : You enjoy reduced foreign currency fee of 2%, on the value of all foreign currency transactions

Insurance covers
✓ Air Accident Insurance worth ₹1 Crore
✓ Travel Insurance Policy : In case of emergencies during travel, the card offers various kinds of coverage, such as
– Baggage delay: Sum insured of USD100
– Loss of baggage & personal documents: Sum insured of USD 750
– Flight delay: Sum insured of USD 200
– Emergency medical expenses: Sum insured of USD 25,000

Benefits
– Competitive flat reward rate of 3.33% on all card spends, except a few specified categories
– Complimentary airport lounge access, both in India and abroad
– Complimentary golf rounds & golf lessons

Drawbacks
– Low reward rate of 2% on supermarket shopping, one can earn a higher shopping reward rate on various cards