Standard Chartered Rewards Credit Card

Name: Standard Chartered Standard Chartered Rewards Credit Card
Brand: Standard Chartered
Price: 295 INR
Rating: 2.34 (1 reviews)

Ranked #147 of 170 in credit

creditVisaEntry

Standard Chartered's low-fee entry-level rewards card (marketed by the bank as "Platinum Rewards") offering 5X uncapped reward points on dining and fuel spends — a straightforward, low-cost option for those categories.

Score breakdown

Data completeness: 95% · Last verified: 09 Jul 2026

Reward value6/100 · weight 71%

≈ 0.28% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +0.4% score bonus — earns broadly without narrow category restrictions.

Fee efficiency98/100 · weight 12%

Redemption flexibility75/100 · weight 9%

Perks16/100 · weight 9%

Fees

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

Joining fee: ₹250 + 18% GST
= ₹295 total
Annual fee: ₹250 + 18% GST
= ₹295 / year total
Forex markup: 3.5%

Lounge access

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

Reward structure

Category	Type	Rate	Cap	Notes
utilities	points	1.00%(4 pts @ ₹0.25)	—	Bonus multiplier campaigns executed periodically on bill pay
dining_offline	points	0.83%(3.33 pts @ ₹0.25)	—	5 pts/Rs150 on dining, no monthly cap
fuel	points	0.83%(3.33 pts @ ₹0.25)	—	5 pts/Rs150 on fuel, no monthly cap
all_spends	points	0.17%(0.67 pts @ ₹0.25)	—	1 pt/Rs150 base rate

Welcome offer

None; one-time Rs250+GST fee applies unless Rs500+ spend within 30 days of issuance

Pros

Very low fee (Rs250, one of the lowest in the market)
strong 5X reward points on dining and fuel (no monthly cap)
Dial-a-Loan facility up to Rs5L

Cons

No lounge access
base rate on other categories is low (1X)
entry-level card with limited lifestyle perks

What's inside

More benefits

Dial-a-Loan facility
Loan against credit limit, up to Rs5,00,000, 12-60 month tenure
unlimited.

Insurance cover

text: ₹NaN

Eligibility

text: Age 18-65; stable income

Small print

Fuel surcharge:Not a highlighted benefit