At a Glance
Key Benefits
5X dining rewards, 3X online, fuel surcharge waiver, priority care
Lounge Access
No lounge access
Eligibility
Salaried: Rs 50,000+/month, Age: 21-60 years, CIBIL: 720+
Quick Details
Annual Fee
₹1,499
#195
Joining Fee
₹1,499
#196
Interest Rate
42.00% p.a.
#108
Forex Markup
3.50%
#75
Rewards/₹100
₹0.47 - ₹1.17
#187
Reward Type Reward Points
Reward Currency Points
Min Credit Score
720+
#154
Min Monthly Income ₹50
Network VISA
Late Payment Fee ₹900
Cash Advance Fee 2.50% (min ₹500)
Fee Waiver on Spend ₹1,20,000/yr
Reward Structure
Base
All Spends
₹0.47 /₹100
Cat
Dining
₹1.17 /₹100
Reward Calculator
₹
Allocate by Category100%
Your Rewards
Points Earned433
Cash Value₹152
Breakdown
Dining167
Other Spends267
Total Value₹152
Quick amounts:
Insurance Coverage
Lost Card
₹0
Zero liability.
Fraud
₹0
Zero liability.
Quick Analysis
The Standard Chartered Standard Chartered Platinum Rewards is a solid credit card option. With an annual fee of ₹1499, ensure you can utilize the benefits to get value. Consider your spending patterns before applying.
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
Frequently Asked Questions
What rewards does Platinum Rewards offer?
5X on dining, 3X on online shopping, 2X on all other spends.
What is the annual fee?
Rs 1,499, waived on Rs 1.2 lakh annual spend.
Is there lounge access?
No, this card does not offer airport lounge access.
What is the eligibility?
Minimum Rs 50,000/month income and CIBIL 720+.
Does it have fuel benefits?
Yes, 1% fuel surcharge waiver on fuel transactions.
User Reviews
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