Standard Chartered Platinum Rewards Credit Card

Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in dining, fuel. Its annual fee waives if you can comfortably clear the spend threshold.

• Rewards rate: 0.17% base rate
• Domestic lounge access: No complimentary domestic lounge access
• International lounge access: No complimentary international lounge access

• 🍽️ Dining & food delivery

  0.83% reward rate · 5X reward points on dining and fuel spends with no monthly cap

• ⛽ Fuel

  0.83% reward rate · 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000

• 🌍 Forex / international spend

  3.5% forex markup on international transactions

• Minimum credit score: 700
• Employment: salaried, self-employed
• Age: 21–65

• Spend-based waiver: Waived on annual spend of ₹500
• Rewards redemption fee: Reward points redeemable for statement credit/vouchers with no additional fee
• Foreign currency markup: 3.5%
• Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
• Cash advance charges: 2.5% of the withdrawn amount or ₹500, whichever is higher

• 5X reward points on dining and fuel spends with no monthly cap
• One-time ₹250 joining fee waived on spending ₹500 within 30 days of card issuance
• Lifetime-free supplementary cards
• Dial-a-Loan / Balance on EMI facility up to ₹5,00,000 with 12-60 month tenure
• 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000