Best Standard Chartered Bank Credit Cards 2026

Standard Chartered credit cards offer rewards on dining, fuel, and travel with top options like Smart and Ultimate credit cards.

Top Standard Chartered Bank Credit Cards in India 2026

Standard Chartered DigiSmart Credit Card

4.5/5
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Standard Chartered DigiSmart Credit Card by Standard Chartered
Joining Fee ₹49 / month
Annual Fee ₹49 / month
Best Suited For Instant Merchant Discounts on Myntra, Zomato & Yatra
Rewards Type Cashback

Rewards Rate

20% off at Myntra (up to ₹700/month); 10% off at Zomato (up to ₹150/transaction, 5x/month); 20-25% off on Yatra flights/hotels (1x/quarter per category)

Welcome Benefits

Welcome gift benefit on card activation & joining fee payment

Card Details +

Key Advantages

  • ✓ 20% off at Myntra, up to ₹700, once a month
  • ✓ 10% off at Zomato, up to ₹150/transaction, 5 times a month
  • ✓ Up to 25% off on Yatra flight and hotel bookings
  • ✓ Fee waiver threshold (Monthly fee waived on ₹5,000 monthly retail spend)

Limitations

  • ✕ Discounts require the DIGISMART promo code and are limited to 1 transaction/quarter per category on Yatra
  • ✕ Myntra discount is limited to once a month
  • ✕ Monthly fee structure means costs add up if the card sits unused
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Standard Chartered Manhattan Credit Card

4.4/5
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Standard Chartered Manhattan Credit Card by Standard Chartered
Joining Fee ₹999 + Taxes
Annual Fee ₹999 + Taxes
Best Suited For 5% Supermarket & Department Store Cashback
Rewards Type Cashback

Rewards Rate

5% cashback on supermarket, grocery & department store purchases (min ₹1,000/transaction, capped ₹500/month); 3 points per ₹150 on other spends

Welcome Benefits

5,000 Reward Points welcome bonus

Card Details +

Key Advantages

  • ✓ 5% cashback on supermarket, grocery & department store purchases
  • ✓ 5,000 Reward Points welcome bonus on joining
  • ✓ 3 Reward Points per ₹150 on other retail categories
  • ✓ Fee waiver threshold (Annual fee waived on ₹1.2 Lakh annual retail spends)

Limitations

  • ✕ Standard Chartered is no longer accepting new applications for this card
  • ✕ Supermarket cashback is capped at ₹500/month, ₹150/transaction
  • ✕ Requires a minimum ₹1,000 transaction to qualify for the 5% rate
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Standard Chartered Super Value Titanium Credit Card

4.3/5
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Standard Chartered Super Value Titanium Credit Card by Standard Chartered
Joining Fee ₹750 + Taxes
Annual Fee ₹750 + Taxes
Best Suited For 5% Cashback on Fuel, Telecom & Utility Bills
Rewards Type Reward Points

Rewards Rate

5% cashback on fuel, telecom & utility bills (capped ₹100/transaction, ₹200-400/month per category); 1 point per ₹150 on other spends

Welcome Benefits

Welcome gift benefit on card activation & joining fee payment

Card Details +

Key Advantages

  • ✓ 5% cashback on fuel, telecom & utility bill payments
  • ✓ 100% cashback up to ₹1,500 on fuel transactions within the first 90 days
  • ✓ Minimum ₹750 transaction size unlocks the 5% telecom/utility rate
  • ✓ Fee waiver threshold (Annual fee waived on ₹90,000 annual retail spends)

Limitations

  • ✕ Fuel cashback is capped at just ₹100/month
  • ✕ Utility and telecom cashback are each capped at ₹100-200/month
  • ✕ Base rate on general spends is a modest 1 point per ₹150
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Standard Chartered Platinum Rewards Card

4.1/5
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Standard Chartered Platinum Rewards Card by Standard Chartered
Joining Fee ₹250 + Taxes
Annual Fee ₹250 + Taxes
Best Suited For
Rewards Type Reward Points

Rewards Rate

5 Reward Points per ₹150 on hotels, restaurants & fuel; 1 point per ₹150 on other categories, uncapped

Welcome Benefits

100% cashback up to ₹500 on restaurant spends within the first 90 days

Card Details +

Key Advantages

  • ✓ 5 Reward Points per ₹150 on hotels, restaurants & fuel, with no monthly cap
  • ✓ Complimentary Priority Pass membership covering 1,200+ airport lounges worldwide
  • ✓ 100% cashback up to ₹500 on restaurant spends within the first 90 days
  • ✓ 15% discount at 850+ participating restaurants across India

Limitations

  • ✕ Base reward rate outside bonus categories is a low 1 point per ₹150
  • ✕ Joining fee waiver requires ₹500 spend within 30 days of issuance
  • ✕ Complimentary travel insurance terms vary; confirm current coverage with Standard Chartered
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Standard Chartered Smart Credit Card

4.4/5
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Standard Chartered Smart Credit Card by Standard Chartered
Joining Fee ₹499 + Taxes
Annual Fee ₹499 + Taxes
Best Suited For 2% Online Shopping Cashback & Extended EMIs
Rewards Type Cashback

Rewards Rate

2% cashback on online spends (up to ₹1,000/month); 1% on other spends (up to ₹500/month)

Welcome Benefits

Welcome gift benefit on card activation & joining fee payment

Card Details +

Key Advantages

  • ✓ 2% cashback on all online spends, capped at ₹1,000/month
  • ✓ Low-interest EMI conversion at 0.99%/month with zero processing fee
  • ✓ Up to 90 days interest-free period
  • ✓ Fee waiver threshold (Annual fee waived on ₹1.2 Lakh annual retail spends)

Limitations

  • ✕ No airport lounge access
  • ✕ 1% cashback on other spends is capped at ₹500/month
  • ✕ Cashback categories are capped monthly, limiting upside for high spenders
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Standard Chartered Rewards Credit Card

4.3/5
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Standard Chartered Rewards Credit Card by Standard Chartered
Joining Fee ₹1,000 + Taxes
Annual Fee ₹1,000 + Taxes
Best Suited For Everyday Reward Points & Fuel Waivers
Rewards Type Reward Points

Rewards Rate

4 Reward Points per ₹150 on all retail spends (excl. govt/insurance/fuel); +4 extra points per ₹150 on monthly spends above ₹20,000

Welcome Benefits

Welcome gift benefit on card activation & joining fee payment

Card Details +

Key Advantages

  • ✓ 4 Reward Points per ₹150 on all retail spends, doubling above ₹20,000 monthly spend
  • ✓ 4 domestic lounge visits/year (1 per quarter)
  • ✓ 1% fuel surcharge waiver (up to ₹400/month)
  • ✓ Fee waiver threshold (Annual fee waived on ₹3 Lakh annual retail spends)

Limitations

  • ✕ Government, insurance & fuel spends are excluded from reward points
  • ✕ Fuel surcharge waiver is capped at ₹400/month
  • ✕ No joining fee, but a ₹1,000 renewal fee applies from year 2
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Standard Chartered Ultimate Credit Card

3.5/5
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Standard Chartered Ultimate Credit Card by Standard Chartered
Joining Fee Rs. 5,000 + Taxes
Annual Fee Rs. 5,000 + Taxes
Best Suited For Premium-type Reward Multipliers, High Base Points Accrual, and Golf Privileges
Rewards Type Reward Points

Rewards Rate

5 reward points for every ₹150 spent across all standard categories (3.33% reward yield parity)

Welcome Benefits

Premium welcome benefits up to Rs. 5,000 value pack matching the upfront onboarding fees

Card Details +

Key Advantages

  • ✓ 5 reward points per ₹150 spent, a 3.33% return rate across all categories
  • ✓ 2% forex markup on international spends
  • ✓ Complimentary golf games and coaching sessions
  • ✓ Welcome benefits worth roughly ₹5,000, close to offsetting the joining fee

Limitations

  • ✕ Strict exclusions applied across key day-to-day categories including fuel and cash advances
  • ✕ Reward points accrued on card renewal are forfeited if fee payments are processed via promotional EMI conversions
  • ✕ No automatic ongoing lifestyle milestone benefits provided outside standard tier paths
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Standard Chartered EaseMyTrip Credit Card

3.5/5
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Standard Chartered EaseMyTrip Credit Card by Standard Chartered
Joining Fee ₹350 + Taxes
Annual Fee ₹350 + Taxes
Best Suited For Travel Spends at EaseMyTrip and Standalone Airline/Hotel Bookings
Rewards Type Reward Points

Rewards Rate

10 reward points per ₹100 spent at standalone airline/hotel websites, mobile apps, or outlets (excluding other aggregators); 2 reward points per ₹100 spent on all other retail spends, including transactions via EaseMyTrip

Welcome Benefits

N/A

Card Details +

Key Advantages

  • ✓ Instant discount and rewards on travel bookings at EaseMyTrip
  • ✓ No minimum booking value condition on flight and hotel discounts
  • ✓ Accelerated reward points on travel spends made directly on standalone brand websites other than EaseMyTrip
  • ✓ No capping on the earned reward points
  • ✓ Complimentary domestic lounge access at an exceptionally low annual fee threshold

Limitations

  • ✕ Low base reward rate of 0.5% (2 points per ₹100 spent) on regular categories
  • ✕ Primary instant discount benefits are strictly restricted to the EaseMyTrip platform
  • ✕ International lounge access benefits are no longer available on this card
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Standard Chartered Bank Credit Cards at a Glance

Best Standard Chartered Bank Credit Cards Comparison Table
Card Fee Rating
1. Standard Chartered DigiSmart Credit Card ₹49 / month ★ 4.5 View →
2. Standard Chartered Manhattan Credit Card ₹999 + Taxes ★ 4.4 View →
3. Standard Chartered Super Value Titanium Credit Card ₹750 + Taxes ★ 4.3 View →
4. Standard Chartered Platinum Rewards Card ₹250 + Taxes ★ 4.1 View →
5. Standard Chartered Smart Credit Card ₹499 + Taxes ★ 4.4 View →
6. Standard Chartered Rewards Credit Card ₹1,000 + Taxes ★ 4.3 View →
7. Standard Chartered Ultimate Credit Card Rs. 5,000 + Taxes ★ 3.5 View →
8. Standard Chartered EaseMyTrip Credit Card ₹350 + Taxes ★ 3.5 View →

Frequently Asked Questions

What are Standard Chartered's most popular credit cards in India?

The Rewards Credit Card, EaseMyTrip Credit Card, Smart Credit Card, and the premium Ultimate Credit Card are among Standard Chartered's most popular offerings.

What is Standard Chartered's forex markup on international spends?

It's typically 3.5%, reduced to 2% for Ultimate cardholders, among the more competitive rates for a non-zero-forex card.

Does Standard Chartered offer airport lounge access?

Yes, several cards include lounge access, with the Ultimate Credit Card offering access to 1,000+ airport lounges globally.

What is the eligibility age for a Standard Chartered credit card?

Salaried applicants must be 18–65 years old, while self-employed applicants can apply between 18–67, subject to income and credit checks.

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