Standard Chartered Rewards Credit Card

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

• Rewards rate: 0.67% base rate
• Domestic lounge access: 1 complimentary domestic airport lounge visit per quarter (4 per year)
• International lounge access: No complimentary international lounge access

• ✈️ Travel

  1 complimentary domestic airport lounge visit per quarter (4 per year)

• ⛽ Fuel

  1% fuel surcharge waiver, capped at ₹400/month (minimum transaction ₹400)

• 🌍 Forex / international spend

  3.5% forex markup on international transactions

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

• Spend-based waiver: Waived on annual spend of ₹1,50,000
• 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, capped at ₹400/month (minimum transaction ₹400)
• Cash advance charges: 2.5% of the withdrawn amount or ₹500, whichever is higher

• 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