Standard Chartered Bajaj Finserv Platinum
KeepFree to get, ₹999 to keep, and five points per ₹100 at the supermarket.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: Not published — SC's page for this card advertises no joining bonus, only the two accrual rungs
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays for itself at ₹17,000 a month
At ₹17,000 a month — ₹2,04,000 a year — on the everyday mix this card returns ₹1,000 gross (earn ₹1,000) against its ₹999 fee = ₹0 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
2 notes on the card itself: how it is issued · why it ranks #822
Why #822 Standard Chartered's Bajaj Finserv co-brand, entry rung — a supermarket-and-apparel card with no travel benefit at all, carried because the fee shape and the accrual table are both sourceable and the product is gone.
Standard Chartered houses 360° Reward Points at ₹1.00 because the Ultimate redeems them at ₹1 apiece — a rate this desk carries on SC's super-premium shelf (Ultimate, Beyond, Priority Visa Infinite, Preferred World Mastercard) and on the Landmark card that redeemed at a Landmark till instead of through the catalogue, and on nothing below it. Every SC card the bank HAS priced card-specifically — the Rewards card and Platinum Rewards, in their own FAQs — values the point at ₹0.25 in the catalogue, and Manhattan and SuperValue Titanium are modelled the same way here. This card redeemed into the same catalogue, so `earn.base` bakes the same quarter in.
The take
The cheaper of Standard Chartered's two Bajaj Finserv co-brands, and about as simple as an Indian credit card gets: five reward points per ₹100 at supermarkets, department stores, grocery shops and retail apparel outlets, two per ₹100 on everything else, and nothing else at all. At the quarter-rupee the Standard Chartered catalogue pays, that is 1.25% on the shopping categories and 0.5% elsewhere — respectable for a card that cost nothing to take out. The fee shape is the interesting part and it is unusual on this shelf. SC's own tariff table gives the card two options, and the first reads Nil in year one against ₹999 from year two — a genuinely free first year rather than the phantom you get when a bank prints the same figure twice. A second option charged ₹999 in both years, and SC never explained on any reader-facing page which customer got which. There is no travel case here: no lounge, no partner, no forex relief, and a 3.5% overseas fee. The row is now commented out of SC's tariff table and no product page has been served for years.
Your renewal — keep, downgrade or cancel
Here is the fee, the spend that clears it, and everything that has moved under this card since you last decided.
Keep, downgrade or cancel
₹999/yr at stake · 5 spend bands
The charge ₹0 joining, then ₹999/yr
Break-even ₹17,000 a month — ₹2,04,000 a year — is where this card's value crosses its fee.
At your spend
₹500 a year, net of the fee, at ₹3,00,000 of annual spend
₹2,000 a year, net of the fee, at ₹6,00,000 of annual spend
₹5,000 a year, net of the fee, at ₹12,00,000 of annual spend
₹17,000 a year, net of the fee, at ₹36,00,000 of annual spend
₹29,000 a year, net of the fee, at ₹60,00,000 of annual spend
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
Standard Chartered publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- 5 reward points per ₹100 at supermarkets, department stores, grocery shops and retail apparel outlets
- Option 1 charged nothing in year one and ₹999 from year two — free to get, and free for a full year
- 2 reward points per ₹100 on everything else, double the base rate of SC's cheapest cards
Watch out
- Withdrawn: the row survives only as an HTML comment in SC's tariff table and no product page is served
- SC's tariff row gives this card a second fee option at ₹999 in BOTH years, and never says on a reader-facing page which customer got which
- No lounge access, no airline or hotel partner, and the shelf-standard 3.5% overseas fee — this was never a travel card
- Points redeem only into SC's own catalogue, and every 360° redemption carries a ₹99 handling charge
- The point is worth ₹0.25 in that catalogue, not the ₹1.00 the Ultimate gets — the 5x rung is 1.25%, not 5%
What these points actually fly
No live transfer route takes StanC 360° Reward Points into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
Standard Chartered publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
3 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 15 Oct 2024EaseMyTrip card loses Priority Pass, domestic visits halved1 complimentary domestic lounge visit per quarter + Priority Pass with 2 international visits a year → 2 domestic visits per calendar year; no Priority Pass, no complimentary international lounge access
The travel co-brand quietly stopped being a travel card: from 15 October 2024, Standard Chartered pulled Priority Pass from the EaseMyTrip card entirely and cut domestic lounge access from four visits a year to two. International lounges are now pay-per-visit at rack rates. What's left is a ₹350 EaseMyTrip discount coupon — which, to be fair, is what it always really was.
- 25 Aug 2024Ultimate's forex settles at a clean 2% at posting
- 2 Apr 2023Ultimate cuts six categories from 3.33% to 2%
Verified against Standard Chartered's own documents on · the net-annual-value engine, at our house ₹/point