Standard Chartered Bandhan Xclusive
KeepTen points per ₹150, a lounge door, an Amazon voucher — and a switch-off notice.
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: An Amazon voucher worth ₹3,000, sent within 60 days of the ₹2,999 joining fee being realised — a voucher, not points
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 →
Breaks even only by erasing its fee at ₹34,000 a month
At ₹34,000 a month — ₹4,08,000 a year — on the everyday mix this card returns ₹2,000 gross (earn ₹2,000) against a fee of ₹0 — the ₹2,999 is waived, the spend having cleared ₹4,00,000 a year = ₹2,000 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 #820
Why #820 The top of Standard Chartered's Bandhan Bank co-brand and the only rung with lounge access, de-activated on 15 January 2024 with the rest of the range. Ranked on what its point was actually convertible into rather than on the 10x tile — SC's own closure FAQ settles that.
SC's closure FAQ moved unredeemed Bandhan points onto the REWARDS Credit Card at par, and the Rewards card's own FAQ prices a 360° point at ₹0.25 in the catalogue and ₹0.20 against the statement — a quarter of the ₹1.00 the Ultimate gets and the currency is housed at. So the 10-per-₹150 headline on this card is 1.67%, not 6.67%, and `earn.base` bakes that in.
The take
The Xclusive was the only Bandhan card with a travel case, and it was a modest one: complimentary airport lounge access, MakeMyTrip discounts, and ten reward points per ₹150 on dining, movies and supermarket shopping against three per ₹150 everywhere else. The fee was ₹2,999 in both years, waived outright on ₹4,00,000 of prior-year spend, and Standard Chartered posted a ₹3,000 Amazon voucher within 60 days of the first year's fee clearing — so year one cost nothing net, and year two cost nothing at all if you were spending the ₹33,000 a month the waiver asked for. Read the ten as 1.67%, not 6.67%. Standard Chartered's own closure FAQ moved unredeemed Bandhan points onto the Rewards Credit Card at par, and the Rewards card's FAQ prices a 360° point at 25 paise in the catalogue and 20 against your statement. That is the only conversion SC ever published for a Bandhan point, and at that rate the bonus rung pays 1.67% and everything else 0.5%, before the ₹99 that each redemption costs and against a 3.5% overseas fee on a card sold partly on its lounge. Standard Chartered never published how many lounge visits it granted, which is why this desk maps the benefit but not a door. It is all moot now. The whole Bandhan range went dark on 15 January 2024; holders who were not overdue and did not already carry an SC card got a Rewards Credit Card at the same limit, and the points moved across within ten days or lapsed on the switch-off date.
Your renewal — keep, downgrade or cancel
This card reaches break-even by ERASING its fee, not by out-earning it: the waiver is the decision.
Keep, downgrade or cancel
₹2,999/yr at stake · 5 spend bands
The charge ₹2,999/yr
The waiver ₹4,00,000 of spend in the year before renewal — about ₹33,333 a month — and the renewal fee is not charged.
Break-even ₹34,000 a month — ₹4,08,000 a year — is where this card's value crosses its fee, and it gets there by erasing the fee at the waiver rather than out-earning it.
At your spend
−₹1,500 a year, net of the fee, at ₹3,00,000 of annual spend
₹3,000 a year, net of the fee, at ₹6,00,000 of annual spend — this clears the waiver, so no fee is charged
₹6,000 a year, net of the fee, at ₹12,00,000 of annual spend — this clears the waiver, so no fee is charged
₹18,000 a year, net of the fee, at ₹36,00,000 of annual spend — this clears the waiver, so no fee is charged
₹30,000 a year, net of the fee, at ₹60,00,000 of annual spend — this clears the waiver, so no fee is charged
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
- 10 reward points per ₹150 on dining, movies and supermarket shopping — the richest rung on any Bandhan card
- Complimentary airport lounge access and MakeMyTrip booking discounts, the only travel benefits in the Bandhan range
- An Amazon voucher worth ₹3,000 within 60 days of the joining fee being realised
- The ₹2,999 fee was waived outright on ₹4,00,000 of spend in the previous year
Watch out
- Withdrawn: every Bandhan variant was de-activated by 15 January 2024 and replaced with a Standard Chartered Rewards Credit Card
- SC's closure FAQ moved Bandhan points to the Rewards card at par, and SC prices that point at ₹0.25 — so the 10x rung paid 1.67%, not 6.67%
- Standard Chartered never published a lounge visit count, an operator or a room list for this card, so the map carries the benefit with no doors attached
- Points lapsed on 15 January 2024 for holders who were overdue or whose replacement card never arrived
- The shelf-standard 3.5% overseas fee applied, and every 360° redemption carried a ₹99 handling charge
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 →
Does your spend count toward the fee waiver?
not published — and we say which
₹4,00,000 a year is the bar that waives the ₹2,999 fee. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. Standard Chartered states what the Standard Chartered Bandhan Xclusive earns, but has not published which spend categories count toward the fee waiver — the ₹4,00,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
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
Every document behind this page — 3 of them, each with the day we read it
- official Bandhan Xclusive Important Information Document — the ₹2,999 fee in both years, the ₹4,00,000 spend waiver, the ₹3,000 Amazon voucher and the shelf-wide charges
- official Standard Chartered's Bandhan closure FAQ — the 15 January 2024 de-activation, the Rewards Credit Card replacement and what happened to the points
- official Standard Chartered's Bandhan card shelf as it stood in June 2023 — the accrual rates and the only mention of this card's lounge access