Standard Chartered Credit Cards 2025
Explore all credit cards from Standard Chartered. 7 cards ranked by our experts.
Visit Official WebsiteShowing 7 cards
Best for: Premium travel, airline miles, international travel
Standard Chartered Ultimate
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on Standard Chartered's website
Annual fee
₹5,000
Rewards rate
₹3.75 - ₹6.25/₹100
Joining fee
₹5,000
Interest rate
41.40%
Card details
Forex Markup
2.50%
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- Excellent miles earning, unlimited lounge, travel benefits, golf
Cons
- Invite-only, moderate forex markup
Best for: Lifetime free card, digital shopping, entry-level
Standard Chartered DigiSmart
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on Standard Chartered's website
Annual fee
FREE
Rewards rate
₹1.00 - ₹2.00/₹100
Joining fee
FREE
Interest rate
41.40%
Card details
Forex Markup
3.50%
Categories Entry Level, Lifetime Free
CardNitty's take
Pros
- Lifetime free, no annual fee, easy approval, online shopping cashback
Cons
- Basic reward rate, no lounge access
Best for: Offline grocery shoppers, supermarket spends, entry-level users
Manhattan Platinum Credit Card
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on Standard Chartered's website
Annual fee
₹999
Rewards rate
₹2.00 - ₹5.00/₹100
Joining fee
₹999
Interest rate
45.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹50
Categories Beginner, Cashback, Grocery, Shopping
CardNitty's take
Pros
- 5% cashback on groceries, supermarkets & departmental stores
- 5,000 bonus reward points on joining (worth Rs.1,500)
- BookMyShow vouchers worth Rs.2,000 on first transaction
- Contactless tap & pay feature
- Annual fee waiver on Rs.1.2L spend
- Easy redemption via 360-degree Rewards portal
- Standard Chartered Good Life programme discounts
- Accepted at merchant outlets globally
- Zero liability on lost/stolen card fraud
- Up to 50 days interest-free period
Cons
- No airport/railway lounge access
- Cashback capped at Rs.500/month and Rs.150/transaction
- 5% cashback only on offline grocery stores (min Rs.1,000)
- Low reward rate of 2% on general spends
- High annual fee of Rs.999
- High 3.5% forex markup
- Very high interest rate at 45% p.a.
- 1% fuel surcharge not waived
- Not accepting new applications currently
- Online grocery stores excluded from cashback
Best for: Frequent Emirates flyers, international travelers, golf enthusiasts
Emirates World Credit Card
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on Standard Chartered's website
Annual fee
₹3,000
Rewards rate
₹1.40 - ₹2.80/₹100
Joining fee
₹3,000
Interest rate
45.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹50
Categories Airline Co-branded, Lounge Access, Miles/Travel Rewards, Travel
CardNitty's take
Pros
- 4,000 welcome bonus Skywards miles on activation
- 1,500 renewal bonus Skywards miles annually
- 6 Skywards miles per Rs.150 on Emirates transactions (4% return)
- 3 Skywards miles per Rs.150 on all other spends (2% return)
- Automatic monthly transfer of miles to Emirates Skywards account
- 2 Priority Pass lounge visits per month on Rs.10K spend
- 25+ domestic lounge access via Mastercard program
- 5% cashback on duty-free shopping (max Rs.1,000/month)
- 1 free golf lesson per month + 50% discount on games
- 4 complimentary green fees per calendar year
- Rs.1 Crore air accident insurance for overseas travel
- Comprehensive travel insurance (flight delay, baggage, hijacking)
Cons
- High annual fee of Rs.3,000 with no waiver option
- Limited to Emirates Skywards miles only
- Requires Rs.10,000 monthly spend for lounge access
- High forex markup at 3.5% + GST
- Low base earning rate (3 miles per Rs.150 = 2%)
- Priority Pass limited to 2 visits per month
- Golf benefits restricted to 1 green fee per month
- High interest rate at 45% p.a.
- No milestone benefits beyond renewal bonus
- Limited value for non-Emirates flyers
Best for: Online shoppers, utility bill payments, entry-level users
Smart Credit Card
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on Standard Chartered's website
Annual fee
₹499
Rewards rate
₹1.00 - ₹2.00/₹100
Joining fee
₹499
Interest rate
45.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Beginner, Cashback, Online Shopping
CardNitty's take
Pros
- 2% cashback on all online transactions
- 1% cashback on offline spends
- Up to Rs.18,000 annual cashback (Rs.1,500/month cap)
- Extended 90-day interest-free period for new cardholders
- Never-expiring cashback points
- Low annual fee of Rs.499 with Rs.1.2L waiver
- EMI conversion up to Rs.5 lakh (0.99% p.m.)
- Balance transfer facility available
- Cashback on utilities, groceries, shopping
- Minimal exclusions (only fuel and cash withdrawals)
Cons
- No lounge access (domestic or international)
- No milestone benefits or welcome bonus
- Rs.1,500 monthly cashback cap (Rs.1,000 online + Rs.500 offline)
- Minimum Rs.2,500 balance required for redemption
- High forex markup at 3.5% + GST
- No fuel surcharge waiver
- High interest rate at 45% p.a.
- Rs.99 + GST redemption fee
- Annual fee not waived for first year (for existing SCB customers)
- Joining fee waiver only for new-to-bank customers
Standard Chartered Super Value Titanium
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on Standard Chartered's website
Annual fee
₹749
Rewards rate
₹0.25 - ₹1.25/₹100
Joining fee
₹749
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Cashback, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹72000
- Extended interest-free period of 50 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Standard Chartered Platinum Rewards
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on Standard Chartered's website
Annual fee
₹1,499
Rewards rate
₹0.47 - ₹1.17/₹100
Joining fee
₹1,499
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹50
Categories Dining, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹120000
- Extended interest-free period of 52 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
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