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Standard Chartered credit cards: 8 you can apply for

The best one for most people is Standard Chartered Ultimate.

₹18,400a year after fees, at ₹75,000 a month

Standard Chartered Ultimate credit card

Standard Chartered Ultimate

₹18,400 a year, after fees

₹5,000 fee · Lounges in India and abroad · 2% forex markup · Reward rate 3.3%

Keep

It pays back the most of the 7 Standard Chartered cards open to apply that we can value.

Rank all 8 at your own spend in the card finder

Verified 9 sources

Points and where they go

Standard Chartered's main points currency is StanC 360° Reward Points, worth ₹1.00 a point; it does not transfer to an airline or hotel. Its cards earn 3 kinds of points in all.

What Standard Chartered cards earn
ProgrammeWorth a pointCardsPartners
StanC 360° Reward Points₹1.0015none
Standard Chartered Rewards (EaseMyTrip)₹0.251none
Emirates Skywardsevery way to earn them ₹0.901none

2 more cards pay cash back. Values are what we think a point is worth in India.

Every Standard Chartered transfer partner 1 route
Emirates Skywards: where they transfer
Transfer toRatioOne point becomesTime
Marriott BonvoyEmirates Skywards is itself a programme: a move between programmes 3:2₹0.33~48 hours

Ratios read Emirates Skywards : the partner's points. One point becomes = what it is worth once it lands, at our value for the partner.

Compare every route, including longer ones through other programmes

Recent changes

All 22 Standard Chartered cards

Fees run ₹0 to ₹25,000, and 1 of them is genuinely free for life. We cannot value 5 of them: Standard Chartered publishes no fee or no earn table for those cards, so they are listed as "Not valued". Each card shows what it pays back a year after its fee at ₹75,000 a month, and our verdict: 20 keep, 1 downgrade, 1 cancel.

Open to apply 8

  1. Standard Chartered Ultimate credit card

    Standard Chartered Ultimate

    ₹18,400 a year, after fees

    ₹5,000 fee · Lounges in India and abroad · 2% forex markup · Reward rate 3.3%

    Keep

  2. Standard Chartered Smart credit card

    Standard Chartered Smart

    ₹6,000 a year, after fees

    ₹499 fee · Reward rate 1%–2%

    Ranked higher: its bonus category adds ₹6,100 a year

    Keep

  3. Standard Chartered Rewards credit card

    Standard Chartered Rewards

    ₹9,700 a year, after fees

    ₹0 joining + ₹1,000/yr · Lounges in India · Reward rate 0.7%–1.3%

    Keep

  4. Standard Chartered Manhattan

    ₹4,500 a year, after fees

    ₹999 fee · Reward rate 0.5%–5%

    Ranked higher: its bonus category adds ₹5,200 a year

    Keep

  5. Standard Chartered Super Value Titanium

    ₹1,400 a year, after fees

    ₹750 fee · Lounges abroad · Reward rate 0.2%–5%

    Ranked higher: its bonus category adds ₹4,300 a year

    Keep

  7. Standard Chartered EaseMyTrip credit card

    Standard Chartered EaseMyTrip

    ₹4,200 a year, after fees

    ₹350 fee · Lounges in India · Reward rate 0.5%–2.5%

    Ranked higher: its bonus category adds ₹1,400 a year

    Downgrade

Invite only 2

  2. Standard Chartered Beyond

    −₹1,600 a year, after fees

    ₹15,000 joining + ₹25,000/yr · Lounges in India and abroad · 2% forex markup · Reward rate 3.3%

    Keep Invite only

Closed or paused 12 cards

  1. Standard Chartered Emirates World

    ₹13,200 a year, after fees

    ₹3,000 fee · Lounges in India and abroad · Reward rate 1.8%–3.6%

    Keep Closed

  3. Standard Chartered Bandhan Xclusive

    ₹4,500 a year, after fees

    ₹2,999 fee · Lounges in India · Reward rate 0.5%–1.7%

    Ranked higher: its bonus category adds ₹2,100 a year

    Keep Closed

  4. Standard Chartered Bajaj Finserv Platinum

    ₹3,500 a year, after fees

    ₹0 joining + ₹999/yr · Reward rate 0.5%–1.3%

    Ranked higher: its bonus category adds ₹1,700 a year

    Keep Closed

  6. Standard Chartered Bajaj Finserv World

    ₹3,800 a year, after fees

    ₹2,999 fee · Reward rate 0.8%–1.3%

    Ranked higher: its bonus category adds ₹1,100 a year

    Keep Closed

  7. Standard Chartered Bandhan One

    ₹1,500 a year, after fees

    ₹299 fee · Reward rate 0.2%–0.8%

    Ranked higher: its bonus category adds ₹1,200 a year

    Keep Closed

  8. Standard Chartered Platinum Elite

    −₹1,500 a year, after fees

    ₹4,995 joining + ₹6,000/yr · Reward rate 0.5%–1.3%

    Ranked higher: its bonus category adds ₹1,500 a year

    Keep Closed

  12. Standard Chartered Simply Cash

    Not valued fee or rewards not published

    Fee not published · Reward rate 0.3%–5%

    Keep Closed

Filter Standard Chartered cards by fee, lounges or forex

Standard Chartered in RBI's figures

Cards in force
5,53,671
0.4% of India's cards
Spent in August 2026
₹678 crore
63% of it online
Spend per card
₹12,254
a month, on average

Source: the Reserve Bank of India's monthly card statistics, August 2026. Every bank's figures

Sources

The Standard Chartered documents that state its fees and charges, and RBI's release. Each card's page lists its own sources too.

  1. Official Tariffs & charges — Ultimate at ₹5,000 joining and ₹5,000 renewal, ₹99 per redemption, 2% overseas fee (3.5% on other SC cards), 45% APR, cash advance 3% (min ₹300) read
  2. Official Beyond Credit Card T&Cs — §1 joining ₹15,000 and renewal ₹25,000 from year 2, §4 earn 5 RP/₹150 (3 on essentials), §7 2% forex, §9 unlimited Visa lounges in India, §10 unlimited Priority Pass abroad read
  3. Official Official FAQ (₹350 + GST year 1 and renewal, "reversed for clients with spends greater than or equal to Rs 50,000 in the previous year"; 2 RP/₹100 base + 10X on standalone) read
  4. Official Product page + FAQ — "4 complimentary access per calendar quarter on domestic Lounges in India", 2 international a month on Priority Pass above ₹30 Lakh FUM, 5 RP/₹100 overseas, 2 otherwise read
  5. Official Rewards Credit Card MITC — the bonus applies to retail spend EXCEEDING ₹20,000 a statement cycle, capped at 2,000 points, and overseas transactions carry a 3.5% fee read
  6. Official Standard Chartered's DigiSmart page — the ₹49 monthly fee and its waiver, and every merchant discount with its own cap read
  7. Official Standard Chartered's Manhattan Credit Card page — the 5% supermarket cashback, the 3x rewards rate, the value chart and the ₹999 fee both ways read
  8. Official Standard Chartered's Platinum Rewards page — the 5X dining and fuel rates, the value chart that prices the point at ₹0.25, and the ₹250 fee its own FAQ confirms read
  9. Official Reserve Bank of India: ATM, Acceptance Infrastructure and Card Statistics for the Month of August 2026 read