Best Standard Chartered Bank Credit Cards 2026

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)

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)

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)

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)

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)

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

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

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

Key Advantages

• ✓ Uncapped, accelerating reward points with 1:1 transfers to airline and hotel partners
• ✓ 0.75% monthly interest rate, among the lowest of any Indian credit card
• ✓ Unlimited complimentary domestic and international lounge access for cardholder and guests

Key Advantages

• ✓ Points transfer at 5:4 to 20+ airline and hotel partners (5:2 for Lotusmiles, Finnair Plus & British Airways Club)
• ✓ Unlimited complimentary domestic and international lounge access for primary and add-on cardholders, plus guests
• ✓ Zero forex markup on international spends

Key Advantages

• ✓ Unlimited complimentary domestic and international airport lounge access, including a generous guest allowance
• ✓ 6 Reward Points per ₹200 spent (3% base rate) on all standard categories
• ✓ 2% forex markup on international spends, lower than most premium cards
• ✓ 1.99% monthly interest rate if you carry a balance, competitive for this card tier
• ✓ Dedicated concierge service for travel and lifestyle bookings

Key Advantages

• ✓ 36 reward points per ₹200 on online spends, one of the higher online earn rates available
• ✓ 1% forex markup, among the lowest available
• ✓ Points redeemable across airlines and a range of luxury vouchers
• ✓ Allows a generous allocation of up to 3 separate complimentary add-on cards

Key Advantages

• ✓ 100% Lifetime Free credit card with zero joining and annual fees
• ✓ 2 Reward Points per ₹100 spent on LIC insurance premium payments and international transactions
• ✓ 2 complimentary domestic airport lounge visits per calendar quarter (8 visits per year)
• ✓ Extensive complimentary insurance package: ₹1 Crore air accident cover, ₹5 Lakh personal accident cover & ₹1 Lakh purchase protection
• ✓ Zero liability protection against lost/stolen cards up to ₹5 Lakh

Key Advantages

• ✓ 5% cashback on Flipkart orders
• ✓ Cashback applied automatically to your statement, no manual redemption
• ✓ Low ₹499 fee with an easily reachable waiver threshold

Key Advantages

• ✓ Lifetime free, with zero joining or renewal fees
• ✓ Direct discounts on flight, hotel and bus bookings made through Ixigo
• ✓ Highly competitive base reward rate covering generalized online transactions
• ✓ 8 domestic airport lounge visits and 8 railway lounge visits a year

Key Advantages

• ✓ No joining fee
• ✓ Same IndiGo flight reward rates as the unsecured version of this card
• ✓ A useful option for building or repairing credit history while still earning travel rewards
• ✓ Low foreign currency exchange markup fees applied across cross-currency international spends
• ✓ Domestic trip cancellation insurance included

Key Advantages

• ✓ Choice of a substantial welcome bonus: EDGE Miles or an ITC Hotels e-gift card
• ✓ Airport meet-and-assist and luxury vehicle transfer services included
• ✓ Generous guest allowance for lounge visits
• ✓ Zero forex markup on international spends
• ✓ Companion airfare offers on select bookings

Key Advantages

• ✓ 1:1 redemption ratio when used for IndianOil fuel purchases
• ✓ Points transfer to 15+ airline and hotel partners at a 2:1 ratio
• ✓ Up to 30% discount on Zomato
• ✓ Fee waived on ₹1 lakh in annual spend

Key Advantages

• ✓ Up to 7.25% value back on BPCL fuel purchases
• ✓ 10X points on groceries, department stores, dining and movies
• ✓ Domestic airport lounge access included
• ✓ Points redeem directly for BPCL fuel

Key Advantages

• ✓ Up to 5% combined value back on HPCL fuel purchases (rewards plus surcharge waiver)
• ✓ 2.5% back on groceries, utilities and department stores
• ✓ Welcome bonus offsets the joining fee
• ✓ Fee waived on ₹1.5 lakh in annual spend
• ✓ Includes complimentary domestic airport lounge access

Key Advantages

• ✓ Up to 6.5% combined savings on HPCL fuel spends
• ✓ Bonus rewards on groceries and utility bills
• ✓ Rewards on FASTag toll recharges too
• ✓ Domestic airport lounge access included
• ✓ Low cash conversion reward redemption parity threshold

Key Advantages

• ✓ 0% forex markup on international spends
• ✓ Unlimited complimentary airport lounge access worldwide
• ✓ 3X reward points on dining and travel
• ✓ Issued as a metal card

Key Advantages

• ✓ 6 Etihad Guest Miles per ₹100 on direct etihad.com bookings
• ✓ 12 domestic + 8 international lounge visits per year
• ✓ Milestone bonuses: 1,000 Miles at ₹50K/month, 2,000 at ₹1.5L/quarter, 12,000 at ₹6L/year

Key Advantages

• ✓ 10 Air Miles per ₹100 on flights and hotels booked via Kotak Unbox, roughly 10% back in miles
• ✓ Zero forex markup on international transactions
• ✓ Unlimited domestic lounge access via DreamFolks and unlimited international access via Priority Pass, for primary and add-on cardholders
• ✓ Discounted stays and free nights at ITC Hotels, Elivaas Villas and Alaya Stays

Key Advantages

• ✓ Unlimited complimentary domestic airport lounge access
• ✓ 15 reward points per ₹100 on dining, travel and international spends
• ✓ 2% forex markup on overseas transactions, better than most cards at this fee
• ✓ Free annual subscription to Amazon Prime or Jio Hotstar plus 3 months of Swiggy One
• ✓ Preventive health checkup package for women cardholders

Key Advantages

• ✓ Unmatched 33.33% value-back yield on travel bookings via Travel & Shop
• ✓ True 1:1 reward currency parity redemption ratio against flights and hotels
• ✓ Includes typically excluded routine categories (rent, utilities, insurance, UPI) for reward generation
• ✓ Absolute 0% cross-currency foreign exchange transaction markup penalty applied on international spends
• ✓ Trip cancellation insurance included at no extra cost

Key Advantages

• ✓ Up to 21 BluChips per ₹100 spent on IndiGo bookings
• ✓ Up to ₹16,000 in BluChip vouchers annually, tied to spend milestones
• ✓ Up to 8 domestic lounge visits a year with achievable quarterly targets

Key Advantages

• ✓ Up to 5% cashback on online shopping
• ✓ Up to 6% back on travel bookings made through the IDFC FIRST app
• ✓ Fee waived on ₹2 lakh in annual spend, an achievable bar

Key Advantages

• ✓ Lifetime free, with no onboarding or annual fee
• ✓ 10X reward points on dining, travel and international spends
• ✓ 1.5% forex markup
• ✓ Earns points on categories many cards exclude, like rent, education, utilities and insurance
• ✓ Lounge access, spa visits and golf rounds included

Key Advantages

• ✓ Up to 7% cashback on monthly online spends above ₹40,000
• ✓ Welcome bonus offsets the first-year fee
• ✓ 25% discount on dining bills via EazyDiner
• ✓ Unlimited 0.75% cashback on offline and travel spends

Key Advantages

• ✓ 2X reward points on weekend spending
• ✓ Lifetime free, with no joining or annual fee
• ✓ Competitive low foreign currency markup handling fee of 1.8%
• ✓ 1:1 points transfer to airline miles, and points never expire
• ✓ Earns rewards on typically excluded baseline bills like rent, utility, and insurance premium payments

Key Advantages

• ✓ Premium metal card design offering high status value
• ✓ Zero foreign exchange markup fee applied on international spends
• ✓ Generous international airport lounge policy providing 16 complimentary visits per year
• ✓ Accelerated 10X reward point multiplier easily unlocked via a ₹20,000 monthly spend threshold

Key Advantages

• ✓ 10% cashback on dining, groceries and food delivery
• ✓ 1% cashback on UPI payments via the RuPay network
• ✓ Zero foreign exchange transaction markup fees until 30 June 2026
• ✓ Cashback credited directly to your statement, no point conversion needed
• ✓ Fee waived on ₹2 lakh in annual spend

Key Advantages

• ✓ Lifetime free, with no ongoing annual fee
• ✓ 1.5% forex markup
• ✓ Reward rate climbs to a 7.2% equivalent return once you cross ₹5 lakh in annual spend
• ✓ Domestic and international lounge access, plus seasonal golf access
• ✓ Points convert to airline miles at up to a 1:1 ratio

Key Advantages

• ✓ Deep integration with Taj, SeleQtions and Vivanta properties, including room upgrades and stay discounts
• ✓ Domestic and international airport lounge access included
• ✓ Accelerated point earning on Taj Group hotel bookings

Key Advantages

• ✓ Up to 16.7% value back on travel bookings
• ✓ 0% forex markup on international spends
• ✓ 25% discount on movie tickets
• ✓ A useful option for building or repairing credit history, since it's FD-backed

Key Advantages

• ✓ 10% cashback on dining, food delivery, grocery, shopping & utility spends
• ✓ Unlimited 1.5% cashback on all other eligible retail spends
• ✓ Upgraded to Visa Infinite (from July 2026): airport Meet & Assist, complimentary ITC Hotels stays, Avis car rental privileges
• ✓ Annual fee waived on ₹2 Lakh yearly spend, effectively free for regular users

Key Advantages

• ✓ High-frequency reward potential offering up to 10X reward multipliers on everyday spends
• ✓ Highly competitive, low foreign exchange markup fee optimized at just 1%
• ✓ Generous domestic travel integration providing up to 16 complimentary lounge visits per year

Key Advantages

• ✓ 10% cashback on Swiggy Food, Instamart, Dineout and Genie
• ✓ 5% cashback across 1,000+ other online platforms including Amazon, Myntra and Nykaa
• ✓ Cashback credited directly to your Swiggy Money wallet

Key Advantages

• ✓ Welcome brand vouchers fully offset the upfront first-year joining fee barrier
• ✓ Excellent complimentary movie ticket benefit worth ₹6,000 every year via BookMyShow
• ✓ Airport lounge access covering both domestic and international terminals
• ✓ Competitive low foreign currency exchange transaction markup fee of 1.99%

Key Advantages

• ✓ Welcome gift voucher entirely offsets the upfront first-year joining fee barrier
• ✓ Strong 10X reward points multiplier across major daily spending verticals (dining, groceries, movies, and departmental stores)
• ✓ Domestic and international airport lounge access, including companion entry
• ✓ Highly valuable milestone achievement rewards up to ₹14,500 per year
• ✓ Low cash conversion reward redemption parity threshold