Standard Chartered Platinum Elite
KeepThe pre-Ultimate flagship — and a Priority Pass that billed you US$27 every time you walked in.
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 rewards table, the golf access and the Dining Plus discount
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 ₹1,00,000 a month
At ₹1,00,000 a month — ₹12,00,000 a year — on the everyday mix this card returns ₹6,000 gross (earn ₹6,000) against its ₹6,000 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 #821
Why #821 Standard Chartered's pre-Ultimate flagship, and a museum piece: 5 points per ₹100 on hotels, dining and fuel, two thousand golf courses, and a Priority Pass membership that charged you for every single visit. Carried as history, not as an option.
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 for which the bank HAS published a card-specific value — the Rewards card and Platinum Rewards, both in their own FAQs — prices the point at ₹0.25 in the catalogue, and Manhattan and SuperValue Titanium are modelled the same way on this desk. This card redeemed into the same catalogue, so `earn.base` bakes the same quarter in rather than lending a withdrawn card the Ultimate's rate.
The take
Before the Ultimate there was the Platinum Elite, and it is a useful reminder of what a ₹6,000 Indian premium card bought a decade ago. The rewards table was genuinely good for its time and is legible even now: five points per ₹100 at hotels, at fine-dining outlets and on fuel, two per ₹100 on everything else, which at the quarter-rupee the Standard Chartered catalogue pays works out at 1.25% on the three accelerators and 0.5% elsewhere. Golf was the real flex — over two thousand courses worldwide including twenty in India, which no live Indian card matches today. The lounge line is the one to read twice, because it is exactly the trap that still catches readers. Standard Chartered granted a Priority Pass MEMBERSHIP to a global lounge network, and then charged US$27 a head for every entry — a membership is not a visit, and this card gave you none for free. Against a ₹4,995 first year and ₹6,000 every year after, with no spend waiver published anywhere, that is a card whose headline benefit was a discount scheme. It is long gone: the row survives only as a comment in SC's own 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
₹6,000/yr at stake · 5 spend bands
The charge ₹4,995 joining, then ₹6,000/yr
Break-even ₹1,00,000 a month — ₹12,00,000 a year — is where this card's value crosses its fee.
At your spend
−₹4,500 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
₹0 a year, net of the fee, at ₹12,00,000 of annual spend
₹12,000 a year, net of the fee, at ₹36,00,000 of annual spend
₹24,000 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 hotels, at fine-dining outlets and on fuel — 1.25% at the quarter-rupee the SC catalogue pays
- 2 reward points per ₹100 on everything else, double the base rate of SC's cheaper cards
- Access to more than two thousand golf courses worldwide, including twenty premier courses in India
- Dining Plus: a 30% discount at leading restaurants across 65 Indian cities and 400-plus outlets abroad
Watch out
- The Priority Pass grant was a MEMBERSHIP to a global lounge network with every entry billed at US$27 a head — no free visits were included at all
- Withdrawn: the row survives only as an HTML comment in SC's tariff table and no product page is served
- ₹4,995 in year one and ₹6,000 every year after, with no spend-based waiver published anywhere
- Points redeem only into SC's own catalogue — the 360° programme reaches no airline and no hotel partner
- Every 360° redemption carries a ₹99 handling and courier 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 →
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 — 2 of them, each with the day we read it
- official Standard Chartered's Platinum Elite page (archived 12-Aug-2016) — the full rewards table, the golf access, Dining Plus, and the Priority Pass membership priced at US$27 a visit
- official Standard Chartered's shelf-wide tariffs and charges — the ₹4,995 first year and ₹6,000 renewal, now commented out of the live table