Standard Chartered Rewards Credit Card

A no-joining-fee, points-based card offering a straightforward 4X (up to 8X on high monthly spend) retail multiplier and quarterly lounge access, with the ₹1,000 annual fee easily waived on ₹1.5 lakh yearly spend.

Rates and fees last verified 14 September 2026.

Annual fee

₹1,000

Joining fee

₹0

Reward type

points

Base reward rate

0.67%

Card network

Visa

Card tier

Entry

Eligibility

Minimum credit score: 700
Employment: salaried, self-employed
Age: 18–65

Benefits

Additional 4 reward points per ₹150 (doubling to 8X) on monthly retail spends above ₹20,000, capped at 2,000 bonus points/cycle
1 complimentary domestic airport lounge visit per quarter (4 per year)
1% fuel surcharge waiver, capped at ₹400/month (minimum transaction ₹400)
4,000 bonus reward points issued if the ₹1,000 annual fee is charged without hitting the ₹1,50,000 waiver spend

Pros

+ No joining fee
+ Up to 8X reward points on retail spend above ₹20,000/month
+ 4 complimentary domestic lounge visits a year

Cons

− Fuel and cash withdrawals earn no rewards
− Base retail rate is average outside the bonus tier
− 3.5% forex markup

Apply on Standard Chartered's site

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