Standard Chartered Rewards Credit Card
The Standard Chartered Rewards Credit Card is an entry-level rewards card with the notable inclusion of 1 complimentary domestic lounge visit per quarter.
Travel & Lounge Fit Score
70/100
Joining Fee
Free
Annual Fee
₹1,000
Reward Rate (%)
0.25 – 1
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
20/35
Fee Value & ROI
20/25
Lounge & Perks
11/20
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 Rewards Credit Card Benefits
Standard Chartered Rewards Credit Card Rewards
How you earn back on every swipe
points
Reward type
0.25% – 1%
Earn rate
₹0.25
Per point
Standard Chartered 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).
Standard Chartered Rewards Credit Card Lounge Access
Airport perks included with this card
1 per quarter
Domestic lounge visits
0 per year
International lounge visits
DreamFolks
Lounge access via DreamFolks
Things to Keep in Mind
- No reward points on fuel transactions
- No reward points on cash withdrawals
Card Features
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹12,500/mo (₹1,50,000/yr), your ₹1,000 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Standard Chartered Rewards Credit Card Eligibility
Employment type
Pros & Cons
- 1 complimentary domestic airport lounge visit per quarter
- 3 SC Reward Points per ₹150 on dining
- 1 SC Reward Point per ₹150 on all other retail spends
- Zero joining fee
- Annual fee waived on ₹1.5 lakh spend
- Very low reward rate on non-dining spends (0.25%)
- Only 1 lounge visit per quarter
- ₹1,000 annual fee if threshold not met
Who is this card for?
SC banking customers looking for a zero-joining-fee card with basic rewards and a single quarterly lounge visit. Good as a secondary card for travel occasionally.
Quick Links
Data last updated 14 Aug 2026
Calculate your exact earnings with Standard Chartered 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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