Best Standard Chartered Credit Cards in India 2025: Top Picks | Detailed Reviews

Domestic hotel bookings on EaseMyTrip: 20% discount (up to ₹5000), once per month

• Hence you get 20% discount on hotel bookings up to ₹25,000. On bookings above ₹25,000, you will only get the maximum discount of ₹5000, and your discount percentage will fall below 20%
• You can avail this discount once per month.

International hotel bookings on EaseMyTrip: 20% discount (up to ₹10,000), once per month

• Hence you get 20% discount on hotel bookings up to ₹50,000. On bookings above ₹50,000, your discount percentage will fall below 20%.
• You can avail this discount once per month.

Domestic flight bookings on EaseMyTrip: 10% discount (up to ₹1000), once per month 

• Hence you get 10% discount on flight bookings up to ₹10,000. On bookings above ₹10,000, your discount percentage will fall below 10%.
• You can avail this discount once per month.

International flight bookings on EaseMyTrip: 10% discount (up to ₹5000), once per month

• Hence you get 10% discount on flight bookings up to ₹50,000. On bookings above ₹50,000, your discount percentage will fall below 10%.
• You can avail this discount once per month.

Bus bookings on EaseMyTrip: ₹125 discount on minimum booking of ₹500, once per month 

• On bus booking of exactly ₹500, you get a 25% discount. On bookings above ₹500, your discount percentage will fall below 25%.
• You can avail this discount once per month.

Additional 0.50% reward on all EaseMyTrip spends

• In addition to the above, you also earn 2 reward points worth ₹0.50, on every ₹100 you spend on all EaseMyTrip spends 
• Reward points redemption: 1 reward point = ₹0.25 (25 paise), and can be redeemed on R360, the rewards redemption platform of Standard Chartered

2.50% reward on spends at hotel and airline websites/apps/outlets 

• You earn 10 rewards points worth ₹2.50, on every ₹100 spent in these categories
• 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 – 2 times per year

3.33% reward on all card spends (except certain categories mentioned below)

• Earn 3.33 reward points worth ₹3.33, on every ₹100 you spend on your card
• Reward points redemption: 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, rent payment & property management, schools & government payments

• 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, returned purchases and cash advances

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)

• Complimentary Priority Pass membership worth USD 99 per year.
• 1 free visit per month, if the minimum card spend in the previous month is ₹20,000.

1 complimentary golf round per month, AND 1 complimentary golf lesson per month

5% cashback on airport duty-free spends: You earn 5% cashback on duty-free spends, on duty free spends up to ₹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-

1. Air Accident Insurance worth ₹1 Crore

2. 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

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 in these categories (5 reward points on every ₹150 spent)
• 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 card purchases (X)

• You earn 0.66 reward points worth ₹0.16 (16 paise), on every ₹100 you spend on all other card purchases (1 reward point on every ₹100 spent)
• 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.

5% cashback on fuel purchases 

• Monthly cashback limit: Valid on fuel purchases up to ₹4000 per month
• Fuel transaction limit: Valid on fuel transactions below ₹2000 only

5% cashback on phone bills

• Minimimum transaction requirement: ₹750
• Transaction cashback limit: ₹100, reached on a transaction amount of ₹2000
• Monthly cashback limit: ₹200, reached at ₹4000 monthly spend
• Payment only through StandChart’s Billpay platform

5% cashback on utility bills 

• Minimimum transaction requirement: ₹750
• Transaction cashback limit: ₹100, reached on a transaction amount of ₹2000
• Monthly cashback limit: ₹100, reached at ₹2000 monthly spend
• Payment needs to be made through StandChart’s Billpay platform

0.16% reward on other purchases 

• 0.66 reward points worth ₹0.16, per ₹100 spent
• Point value: 1 reward point = ₹0.25
• Redemption: SCB R360 rewards portal (products, vouchers, services)

Important exclusions: No reward points on returns, disputed/unauthorized/fraudulent transactions, finance charges, card account fees, cash withdrawals and charged back transactions

International airport lounge access (only for SCB Premium Banking customers): 1 visit per month (requires ₹10,000 spending in the previous month)

2% cashback (up to ₹1000) on online spending

• Earn ₹2 cashback, on every ₹100 you spend on online purchases
• This is valid only on online purchases up to ₹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 up to ₹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 unauthorised/fraudulent transactions, transactions not initiated by the cardholder, finance charges, any other charges and fees, charged back transactions; and cash advances.

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

0.66% reward on all monthly card spends under ₹20,000 || 1.33% reward on all monthly card spends above ₹20,000 

• 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
• 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
• 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)

Restrictions & exclusions-

1. 0.16% reward 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
• 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 up to ₹400 per month, and valid only on fuel transactions between ₹400 and ₹2000