Standard 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.
Beginner & Zero Fee Fit Score
94/100
Joining Fee
Free
Annual Fee
Free
Reward Rate (%)
0.67 – 3.33
0.67 pts/₹100 · ₹0.25/pt
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 statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
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
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 estimated net return after fees, reward caps and exclusions.
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