Standard Chartered Gold Rewards
KeepStandard Chartered printed this card's reward rate twice, and the two numbers disagree.
no published earn rate to price
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
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. Everything we can source — the fee, the charges, the migration that put this card in your hand — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until Standard Chartered publishes terms we can cite.
Why we decline to value some cards, and what it takes to change that →
2 notes on the card itself: how it is issued · why it ranks #824
Why #824 A ₹250 legacy Standard Chartered card, withdrawn, and the only card on this board whose issuer printed two different reward rates in two adjacent blocks of the same page. Carried with the fee sourced and the earn deliberately blank.
The take
There is not much to a ₹250 Standard Chartered card from the middle of the last decade, and what there is comes down to a balance-transfer facility at "attractive interest rates", a revolver option at 5% of the outstanding, cash advance at ATMs worldwide, and online bill payment through Visa's utility portal. No lounge, no partner, no insurance, no forex relief: it was the rung below Platinum Rewards and it was sold on acceptance rather than on benefit. What makes it worth a page is a small piece of publishing archaeology. Standard Chartered states this card's reward accrual twice on its own product page, in two blocks a couple of hundred words apart, and the two statements do not agree with each other — one denominates the earn in hundred-rupee blocks and the other in hundred-and-fifty-rupee blocks, which is a fifty-percent gap on the same card in the same document. No Gold Rewards terms sheet survives in the archived Standard Chartered document namespace that still holds seven other card files, and the live tariff table carries the fee and nothing else. So the desk publishes the fee, publishes the withdrawal, and publishes no rate at all rather than choosing between two numbers the issuer could not choose between itself.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
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 we cannot price either side 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
- ₹250 in both years — Standard Chartered's cheapest annual fee outside the DigiSmart's monthly model
- Balance transfer from another bank's card at Standard Chartered's transfer rates
- Revolver facility at 5% of the outstanding, and cash advance at ATMs worldwide
Watch out
- Withdrawn: the row survives only as an HTML comment in SC's tariff table and no product page is served
- Standard Chartered's own page states this card's accrual twice and the two statements disagree, so this desk publishes no rate for it at all
- No lounge access, no airline or hotel partner, no insurance and the shelf-standard 3.5% overseas fee
- Every 360° redemption carries a ₹99 handling and courier charge
What these points actually fly
Standard Chartered has not published what this card earns, so there are no points here to fly with — not zero points, and not points that go nowhere: nothing stated either way. The moment a benefit sheet exists we will price whatever it names.
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
Not published , and we will not invent it: the earn rate and the currency it earns.
Every document behind this page — 2 of them, each with the day we read it
- official Standard Chartered's Gold Rewards page (archived 24-Aug-2014) — the balance-transfer and revolver features, and the two accrual statements that disagree with each other
- official Standard Chartered's shelf-wide tariffs and charges — the ₹250 fee in both years, now commented out of the live table