- Updated On
Standard Chartered Bank, a leading multinational financial institution, is the largest foreign bank in India by branch network and workforce, with a legacy dating back to 1858. Offering a diverse range of credit cards for travel, shopping, lifestyle, and premium benefits, it has over 9.2 lakh active credit cards as of December 2024, making it one of the top foreign card issuers in the country.
List Of Standard Chartered Credit Cards in India
With numerous Standard Chartered Credit Cards available, finding the right one can be overwhelming. Here’s a detailed list of the top Standard Chartered Credit Cards in India to help you choose the best fit.
Entry Level Card
Best For: Shopping, Cashback
Standard Chartered Smart Credit Card
3.5/5
- Shopping
- Cashback
- Reward Points
- Airport Lounges
Joining fee
Renewal Fee
Base Reward Rate
Accelerated Reward
The American Express SmartEarn Credit Card is a budget-friendly option designed for frequent shoppers. With an affordable annual fee of ₹495, it provides great value, starting with a ₹500 cashback as a welcome benefit when you spend ₹10,000 within the first 90 days of card activation.
Reward Points Structure:
- Earn 1 Membership Rewards Point for every ₹50 spent, except on fuel, insurance, utility bills, cash transactions, and EMI conversions at POS.
- Get 10X Membership Rewards Points on purchases made at Ajio, Flipkart, Nykaa, BookMyShow, and Uber, capped at 500 points per month per category.
- Enjoy 10X Membership Rewards Points on Zomato (up to 500 points monthly).
- Receive 5X Membership Rewards Points on Amazon (maximum 250 points per month).
- Maximize your earnings with up to 1,250 bonus Membership Rewards Points per month by spending ₹7,500 across partner brands.
This card is ideal for those who frequently shop online and want to earn accelerated rewards while keeping annual fees low.
Premium Card
Best For: Airmiles, Hotel Rewards
4.0/5
- Shopping
- Reward Points
- Travel
- Airport Lounges
Joining fee
Renewal Fee
Base Reward Rate
Accelerated Reward
The AmEx Membership Rewards Credit Card (MRCC) is a mid-tier credit card that offers a balanced mix of rewards and benefits, making it ideal for those who maximize their monthly spending.
Key Benefits:
- Welcome bonus: 4,000 Membership Rewards Points.
- Earn 1 Membership Rewards Point for every ₹50 spent.
- Exclusive milestone rewards for consistent spending.
- Zero liability protection for unauthorized transactions.
- Fuel surcharge waiver and access to AmEx exclusive offers.
With its strong rewards structure and valuable perks, this card is best suited for individuals who can meet a monthly spending target of ₹20,000 and want to make the most of their everyday purchases.
Premium Card
Best For: Airmiles, Hotel Rewards
Standard Chartered Platinum Rewards Credit Card
4.3/5
- Travel
- Reward Points
- Shopping
- Airport Lounge
Joining fee
Renewal Fee
Base Reward Rate
Accelerated Reward
The AMEX Platinum Travel Credit Card is a premium offering designed for frequent travelers, providing a mix of luxury and rewards. Cardholders earn 1 Membership Rewards Point for every ₹50 spent and enjoy exclusive travel and lifestyle perks.
Key Benefits:
- Limited complimentary domestic airport lounge access.
- Priority Pass membership for global lounge access (usage charges may apply).
- Discounts on movie tickets and exclusive dining privileges.
- Milestone reward: A Taj Stay voucher worth ₹10,000 upon spending ₹4 lakh in a membership year.
With a strong focus on travel benefits, this card is ideal for those looking to enhance their journeys with premium privileges and valuable rewards.
Premium Card
Best For: Airmiles, Hotel Rewards
Standard Chartered EaseMyTrip Credit Card
4.3/5
- Travel
- Reward Points
- Shopping
- Cashback
Joining fee
Renewal Fee
Base Reward Rate
Accelerated Reward
The AMEX Gold Card is a premium charge card designed for individuals who enjoy exclusive privileges and generous reward benefits. With a membership fee of ₹1,000 for the first year and ₹4,500 per year from the second year onward, this card offers a rewarding experience across multiple spending categories.
Reward Points Structure:
- Earn 1 Membership Rewards Point for every ₹50 spent using the card.
- No reward points are earned on insurance premium payments and cash transactions.
- Get 1 Membership Rewards Point for every ₹50 spent on utilities and fuel, with a monthly cap of 10,000 points for utilities and 5,000 points for fuel.
- Enjoy 5X Membership Rewards Points on purchases made via the Rewards Multiplier portal.
Beyond rewards, the AMEX Gold Card provides access to exclusive benefits, including travel perks, dining privileges, and entertainment offers, making it a perfect choice for those seeking a luxurious and rewarding experience.
Exclusive Benefits:
- Premium privileges across travel, dining, and entertainment.
- Access to exclusive offers and discounts for AmEx cardholders.
- A charge card with no pre-set spending limit, offering financial flexibility.
The AMEX Gold Charge Card is an excellent choice for those who want to enjoy higher reward rates and exclusive lifestyle perks while maintaining financial flexibility.
Premium Card
Best For: Airmiles, Hotel Rewards
Standard Chartered Manhattan Credit Card
4.3/5
- Travel
- Dining
- Shopping
- Reward Points
Joining fee
Renewal Fee
Base Reward Rate
Accelerated Reward
The AMEX Platinum Reserve Card is a premium offering designed for individuals who seek luxury, convenience, and exclusive privileges. With a membership fee of ₹10,000 per year, this card comes with a welcome bonus of 11,000 Membership Rewards Points, making it a rewarding choice from the start.
Reward Points Structure:
- Earn 1 Membership Rewards Point for every ₹50 spent using the card.
- No reward points are earned on fuel purchases, utility bills, insurance payments, and EMI transactions.
Exclusive Benefits:
- 24×7 Concierge Service for personalized assistance.
- Complimentary access to domestic and international airport lounges.
- Golf privileges at select premium courses.
- Personal air accident cover worth ₹1 crore for added security.
The AMEX Platinum Reserve Card is a great choice for those who value premium perks and a seamless lifestyle experience.
Premium Card
Best For: Airmiles, Hotel Rewards
Standard Chartered Super Value Titanium Credit Card
4.3/5
- Travel
- Dining
- Shopping
- Reward Points
Joining fee
Renewal Fee
Base Reward Rate
Accelerated Reward
The AMEX Platinum Reserve Card is a premium offering designed for individuals who seek luxury, convenience, and exclusive privileges. With a membership fee of ₹10,000 per year, this card comes with a welcome bonus of 11,000 Membership Rewards Points, making it a rewarding choice from the start.
Reward Points Structure:
- Earn 1 Membership Rewards Point for every ₹50 spent using the card.
- No reward points are earned on fuel purchases, utility bills, insurance payments, and EMI transactions.
Exclusive Benefits:
- 24×7 Concierge Service for personalized assistance.
- Complimentary access to domestic and international airport lounges.
- Golf privileges at select premium courses.
- Personal air accident cover worth ₹1 crore for added security.
The AMEX Platinum Reserve Card is a great choice for those who value premium perks and a seamless lifestyle experience.
Super Premium Card
Best For: Luxury Lifestyle Benefits
Standard Chartered Ultimate Credit Card
4.3/5
- Hotel Points
- Airmiles
- Shopping
- Airport Lounge
Joining fee
Renewal Fee
Base Reward Rate
Accelerated Reward
The AMEX Platinum Card is the most exclusive and high-end offering from American Express, designed for individuals who seek luxury, premium privileges, and exceptional rewards. As a charge card, it has no preset credit limit, offering greater financial flexibility. However, this elite status comes with a hefty annual membership fee of ₹66,000.
Reward Points Structure:
- Earn 1 Membership Rewards Point for every ₹40 spent.
- Get 3X Membership Rewards Points on international transactions.
- Enjoy 5X Membership Rewards Points when shopping via the Rewards Multiplier portal.
- Unlock 20X Membership Rewards Points with AmEx RewardXcelerator.
Exclusive Privileges:
- Unlimited access to domestic & international airport lounges.
- Exclusive discounts on dining at partner restaurants.
- Movie ticket benefits with select partners.
- Personal air accident cover worth ₹5 crores for added security.
With a focus on elite experiences and unparalleled rewards, the AMEX Platinum Card is the ultimate choice for those who want luxury, convenience, and premium benefits at every step.
