Standard Chartered Airport Lounge Access Offers Credit Cards in India 2026

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