Standard Chartered Rewards Credit Card

Standard Chartered · ₹1,000 a year · fee waived on ₹1,50,000 of annual spend

Four points per ₹150 on almost everything, doubling on spending above ₹20,000 a month.

Base rate: 0.67% as Reward Point.

What the bank says

• 4 reward points per INR 150 on all retail spends, except government, insurance and fuel
• An additional 4 reward points per INR 150 on monthly retail spends above INR 20,000, up to 2,000 bonus points a statement
• 1 domestic lounge visit a quarter
• Annual fee reversed on spends of INR 1,50,000 in the previous year

Where it pays more

• 0.17% on insurance, where the card earns 1 point per ₹150 instead of 4

Things that catch people out

• The bonus 4 points on monthly spending above ₹20,000 is not included in our figure yet, so heavy spenders will earn more than shown, up to 2,000 bonus points (₹500) a month.
• Fuel earns no points. Government and insurance payments earn a quarter of the usual rate.
• Standard Chartered does not state a point value on this card's page; we use the ₹0.25 a point it states for its 360° Rewards catalogue.

Joining fee: ₹0. Foreign currency markup: not published.

Read from Standard Chartered’s own page on 2026-09-16.

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