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Standard Chartered Bank Credit Cards 2026

Explore all credit cards from Standard Chartered Bank. 7 cards ranked by our experts.

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Best for: HNIs and frequent travelers who want high rewards across all categories without restrictions, golf enthusiasts, and international travelers seeking low forex markup
Standard Chartered Ultimate

Standard Chartered Ultimate

3.7 CardNitty rating
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Annual fee

₹5,000

Rewards rate

₹2.00 - ₹5.00/₹100

Joining fee

₹5,000

Interest rate

45.00%

Card details
Forex Markup
2.00%
Categories Lounge Access, Premium, Rewards, Travel
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CardNitty's take

Pros

  • Uncapped 3.33% rewards on most categories
  • 6,000 welcome points worth ₹6,000
  • Low 2% forex markup fee
  • 12 complimentary golf games per year
  • Priority Pass membership
  • Comprehensive travel insurance (₹1Cr air accident)
  • 5% cashback on duty-free purchases

Cons

  • No annual fee waiver option
  • Limited lounge access (4 domestic/quarter, 1 intl/month with spend condition)
  • Reduced 2% rewards on utilities, supermarkets, rent
  • No airline/hotel transfer partners
  • Amazon/Flipkart vouchers not available
  • Redemption fee ₹99 + GST
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Best for: Regular retail shoppers who spend ₹20,000+ monthly and want straightforward rewards without category restrictions. Ideal for those seeking entry-level lounge access and fuel surcharge waivers.
Standard Chartered Rewards

Standard Chartered Rewards

2.8 CardNitty rating
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Annual fee

₹1,000

Rewards rate

₹0.17 - ₹1.00/₹100

Joining fee

FREE

Interest rate

45.00%

Card details
Forex Markup
3.50%
Categories Entry Level, Lounge Access, Rewards
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CardNitty's take

Pros

  • Up to 8x reward points on retail spends above ₹20k monthly
  • No reward points expiry
  • Low annual fee waiver threshold (₹1.5L)
  • 4000 bonus points on annual fee payment
  • Quarterly domestic lounge access
  • 1% fuel surcharge waiver

Cons

  • No rewards on fuel transactions
  • Relatively low point value (₹0.20-₹0.25 per point)
  • No international lounge access
  • High forex markup (3.5%)
  • No premium benefits like golf or concierge
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Best for: High-net-worth individuals with FUM Rs. 50L+, frequent travelers, golf enthusiasts, premium dining lovers, Priority Banking customers
Standard Chartered Beyond

Standard Chartered Beyond

3.2 CardNitty rating
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Annual fee

₹25,000

Rewards rate

₹2.00 - ₹3.33/₹100

Joining fee

₹15,000

Interest rate

N/A

Card details
Forex Markup
2.00%
Categories Dining, Lifestyle, Lounge Access, Premium, Rewards, Travel
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CardNitty's take

Pros

  • Unlimited domestic & international lounge access with 8 guest visits
  • 3.33% reward rate (Rs. 1 per point)
  • Rs. 15,000 welcome vouchers
  • 2 complimentary golf games per month
  • 25% dining discount via EazyDiner
  • BOGO movie tickets on BookMyShow
  • Low 2% forex markup
  • 15% duty-free cashback
  • Rs. 60,000 milestone on Rs. 20L spend

Cons

  • High FUM requirement (Rs. 50L+)
  • High annual fee (Rs. 25,000)
  • Limited to Priority Banking customers
  • Reduced rate on utilities/insurance (2%)
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Best for: Standard Chartered Priority Banking customers looking for a complimentary premium card with travel benefits, golf privileges, and comprehensive insurance coverage
Standard Chartered Priority Visa Infinite

Standard Chartered Priority Visa Infinite

4.7 CardNitty rating
APPLY NOW on Standard Chartered Bank's website Rates & Fees

Annual fee

FREE

Rewards rate

₹2.00 - ₹5.00/₹100

Joining fee

FREE

Interest rate

45.00%

Card details
Forex Markup
3.50%
Categories Lounge Access, Premium, Rewards, Travel
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CardNitty's take

Pros

  • 24 complimentary lounge visits per year (domestic)
  • 2 golf games + 1 coaching per month
  • ₹1 Crore air accident insurance
  • Lifetime free for Priority Banking
  • 24x7 concierge services
  • Priority Pass membership worth USD 99

Cons

  • High 3.5% forex markup fee
  • Low 2% base reward rate
  • International lounge access requires ₹30L FUM
  • Only for Priority Banking customers
  • 3-year points expiry
  • ₹99 redemption fee
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Best for: Frequent domestic travelers who book through EaseMyTrip and want an affordable entry-level travel card with instant discounts
Standard Chartered EaseMyTrip

Standard Chartered EaseMyTrip

3.0 CardNitty rating
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Annual fee

₹350

Rewards rate

₹0.50 - ₹2.50/₹100

Joining fee

₹350

Interest rate

45.00%

Card details
Forex Markup
3.50%
Categories Co-Branded, Entry Level, Lounge Access, Travel
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CardNitty's take

Pros

  • Affordable annual fee of ₹350 waived at ₹50K spend
  • Flat 20% discount on hotel bookings via EaseMyTrip
  • 10X reward points on standalone hotel and airline bookings
  • No minimum spend threshold for EaseMyTrip discounts

Cons

  • International lounge access discontinued from Oct 2024
  • Only 2 domestic lounge visits per year
  • No fuel surcharge waiver or dining benefits
  • Limited to EaseMyTrip platform for discount benefits
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Best for: Online shoppers and those making frequent utility payments who want straightforward cashback rewards without category restrictions
Standard Chartered Smart

Standard Chartered Smart

3.6 CardNitty rating
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Annual fee

₹499

Rewards rate

₹1.00 - ₹2.00/₹100

Joining fee

₹499

Interest rate

45.00%

Card details
Forex Markup
3.50%
Categories Cashback, Entry Level, Utility
View full details
CardNitty's take

Pros

  • Simple 2% cashback on all online spends
  • 1% cashback on offline spends with no merchant restrictions
  • Utility bill payments eligible for cashback
  • 90-day extended interest-free period for new cardholders
  • Zero processing fee on 3-month EMI conversions
  • Cashback never expires
  • Low annual fee (Rs. 499) with spend-based waiver
  • 0.99% monthly interest on 3-month EMIs

Cons

  • No welcome bonus or renewal benefits
  • No lounge access (domestic or international)
  • No fuel surcharge waiver or cashback on fuel
  • Monthly cashback caps limit high spenders
  • No insurance coverage
  • Higher forex markup (3.5%) compared to premium cards
  • Lacks premium features like concierge or golf benefits
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Best for: Young professionals who shop on Myntra, order from Zomato, use Ola, and buy groceries on Blinkit. Ideal for entry-level users wanting instant discounts.
Standard Chartered DigiSmart

Standard Chartered DigiSmart

3.4 CardNitty rating
APPLY NOW on Standard Chartered Bank's website

Annual fee

FREE

Rewards rate

Varies

Joining fee

₹49

Interest rate

45.00%

Card details
Forex Markup
3.50%
Categories Co-Branded, Dining, Entry Level, Shopping
View full details
CardNitty's take

Pros

  • 20% discount on Myntra (max ₹700/month)
  • 15% cashback on Ola rides (max ₹600/month)
  • 10% off on Zomato and Blinkit
  • Buy 1 Get 1 at INOX on weekends
  • Monthly fee waived on ₹5,000 spend
  • Contactless payment enabled
  • Instant approval with video KYC
  • No reward points complexity

Cons

  • Card discontinued for new applications since Dec 2022
  • No reward points system
  • No airport lounge access
  • High interest rate (45% annually)
  • Limited to specific partner merchants
  • Monthly fee structure (₹49/month)
  • No fuel surcharge waiver
  • Entry-level benefits only
Read full review

About Standard Chartered Bank

Total Cards

7

Country

India

Website

www.sc.com/in

Card Categories

Lounge Access Premium Rewards Travel Entry Level Dining Lifestyle Co-Branded Cashback Utility Shopping

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