CardIQIndia
Unverified draft. Fees, reward rates, and perks below are LLM-generated seed data pending admin verification. Cross-check on the bank's official page before relying on them.
36
#83 of 173 in credit
Standard Chartered

Standard Chartered Rewards Credit Card

creditVisaentryProvisional score

Everyday retail multiplier card simplifying point building routines gracefully.

Score breakdown

Data completeness: 55% · Last verified: 06 Jul 2026

Reward value22/100 · weight 65%
≈ 1.00% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +10.0% score bonus — earns broadly without narrow category restrictions.
Fee efficiency91/100 · weight 11%
Redemption flexibility75/100 · weight 8%
Perks0/100 · weight 8%
Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
—
Annual fee
₹1,000 + 18% GST
= ₹1,180 / year total
Waiver: Spend INR 1,50,000 in a year
Forex markup
3.5%

Lounge access

Domestic (per year)
0
International (per year)
0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

CategoryTypeRateCapNotes
all_spendspoints1.00%(4 pts @ ₹0.25)—4 Reward points for every Rs 150 spent universally on retail channels
utilitiespoints1.00%(4 pts @ ₹0.25)—Bonus multiplier campaigns executed periodically on bill pay