Standard Chartered BankStandard Chartered Platinum Rewards Credit Card
The Standard Chartered Platinum Rewards Credit Card is SC's most affordable entry-level card at just ₹250 annual fee.
Top Category Performance
Beginner & Zero Fee (94/100)
Joining Fee
Free
Annual Fee
Free
Reward Rate (%)
0.67 – 3.33
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
27/35
Fee Value & ROI
25/25
Lounge & Perks
4/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
Standard Chartered Platinum Rewards Credit Card Benefits
Standard Chartered Platinum Rewards Credit Card Rewards
How you earn back on every swipe
points
Reward type
0.67% – 3.33%
Earn rate
0.67
Points / ₹100
₹0.25
Per point
Standard Chartered Platinum Rewards Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Standard Chartered Platinum Rewards Credit Card Lounge Access
Airport perks included with this card
0 per quarter
Domestic lounge visits
0 per year
International lounge visits
Things to Keep in Mind
- cash advances
- cash transactions
- merchant category mismatch
- supplementary card joining offers
- rent payment processing fee
Card Features
🎉 Zero Annual Fee — 100% Net Profit
Standard Chartered Platinum Rewards Credit Card has no recurring renewal charges. Every rupee of rewards and cashback you earn is pure profit with zero spend hurdles.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Standard Chartered Platinum Rewards Credit Card Eligibility
Employment type
Pros & Cons
- 5x rewards on dining
- 5x rewards on fuel
- No monthly cap on rewards
- Contactless payments
- Supplementary cards lifetime free
- Very low effective reward rate
- No lounge access
- No milestone or accelerated rewards beyond dining/fuel
Who is this card for?
First-time credit card users or SC banking customers wanting a low-cost card with basic rewards. Also suitable as a secondary card for those who want to maintain SC relationship benefits.
Quick Links
Data last updated 4 Aug 2026
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Calculate your exact earnings with Standard Chartered Platinum Rewards Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your guaranteed net return after annual fees.