Standard Chartered Platinum Rewards Credit Card

The Standard Chartered Platinum Rewards Credit Card is a great choice if you want a credit card with a low annual fee. It gives you fantastic rewards, especially for fuel and dining. With this card, you earn points whenever you use it, and you can use these points to either pay off your credit card bills or get vouchers and merchandise. If you want to learn more about this credit card, keep reading!

Key Highlights of Standard Chartered Bank Platinum Rewards Credit Card

Standard Chartered Bank Platinum Rewards Credit Card
Best Suited For Rewards on Fuel & Dining
Annual Fee Rs. 250
Minimum Income Requirement Rs. 20,000 per month
Welcome Benefit Cashback on Restaurant spends within first 90 days (up to Rs. 500)
Best Features 5x Reward Points on every Rs. 150 spent on fine-dining and fuel 

*Terms and conditions apply.

Welcome Benefits: With this credit card, you can earn 100% cashback*, up to Rs. 500, when you dine out at restaurants using the card in the first 90 days after you starta using it.

Reward Points: You earn the following reward benefits with this credit card:

  • You get 5 reward points for every Rs. 150 you spend on hotels, restaurants, and fuel.
  • For all other categories, you earn 1 reward point for every Rs. 150 spent.

Also read: Best Rewards Credit Cards in India

Note that there's no limit to the rewards you can earn each month with this credit card.

Renewal Fee offer: If you spend Rs. 60,000 in a year using this credit card, you won't have to pay the renewal fee of Rs. 250.

Other Benefits offered by Standard Chartered Platinum Rewards Credit Card:

  • You can pay off your credit card bill in easy installments with zero processing fees for outstanding amounts up to Rs. 5 lakh.
  • You can apply for this credit card instantly online, without needing to meet anyone in person via the online KYC facility. You even have the option to get a virtual credit card.
  • You can make quick transactions using the contactless payment feature, which makes checkout faster.
  • For security, transactions made with the card require a one-time password (OTP) verification.
  • You can avail a loan using the Dial-a-loan facility, with amounts up to Rs. 5 lakh for a period of 12 to 60 months.
  • You'll receive a free supplementary credit card for your family members to enjoy the benefits too.

Here are the fees and charges for this credit card:

Fee Type Amount
Joining Fee Rs. 250
Annual Fee ( second year onwards) Rs. 250 (Waived off on spending Rs. 60,000)
Finance Charges 3.75% p.m. | 45% per year
Late Payment Charges

For Statement Balance:

  • Less than or equal to Rs. 100: NIL
  • Between Rs. 101 to Rs. 500: Rs. 100
  • Between Rs. 501 to Rs. 5,000: Rs. 500
  • Between Rs. 5,001 to Rs. 10,000: Rs. 700
  • Between Rs. 10,001 to Rs. 25,000: Rs. 800
  • Greater than Rs. 25,000: Rs. 1,200

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Standard Chartered Bank requires applicants to have a credit score of over 750 and meet the following basic eligibility criteria:

Criteria Details
Occupation Salaried and Self-employed
Minimum Income Rs. 20,000 per month
Serviceable Cities Click here  for the list of eligible cities
Documents Required Click here  to see the list of acceptable documents

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Credit Card Annual Fee Reward Points
IDFC First Millennia Credit Card Nil 6X reward points on online spends and 3X reward points on offline spends
HDFC MoneyBack+ Credit Card Rs.500 10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore, BigBasket
Citibank Rewards Credit Card Rs. 1,000 10X Rewards on every Rs. 125 spent at Apparel & Department Store
HDFC Diners Club Privilege Credit Card Rs. 2,500 4 reward points on every Rs. 150 spent on retail spends
SBI Card Prime Rs. 2,999 10 reward points per Rs. 100 spent on dining, groceries, movies and departmental stores

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1. What are the identity proofs required to apply for a Standard Chartered Platinum Rewards credit card?

To apply for the Standard Chartered World Emirates credit card, you'll need to provide two identity proofs: your Aadhaar Card and one of the following photo ID cards: Passport, PAN Card, Voter ID Card, or Government ID.

2. Will I be charged if I use my card overseas?

All the overseas transactions are levied with a 3.5% transaction fee.

3. Are my online transactions secured?

Yes, All online transactions are protected with 3D secure OTP verification for added security.

4. Is Standard Chartered Platinum Rewards credit card good?

The Standard Chartered Platinum Rewards Credit Card is an excellent choice for maximizing rewards while keeping fees low. With this card, you can earn 5X rewards on fuel and fine dining, and there's no monthly limit on these rewards.

5. Can I transfer my outstanding balance on any other bank’s credit card?

Yes, with the Standard Chartered Platinum Rewards credit card, you can use the 'Balance Transfer' feature to transfer your outstanding balance from another bank's credit card.

6. Does Standard Chartered Platinum Rewards card have lounge access?

No, the Platinum Rewards Credit Card doesn't include complimentary lounge access. If you're interested in lounge benefits, you may want to explore other credit cards that offer airport lounge access in India.

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