Standard Chartered Platinum Rewards Credit Card

The features of Standard Chartered Platinum Rewards credit card are as follows:

Welcome Benefit: With this credit card you can earn 100% cashback* up to Rs. 500 on restaurant spends done via the card within first 90 days from the date of activation.

Rewards Points: You earn the following reward benefits with this credit card:

• 5 reward points* for every Rs. 150 spent on hotels, restaurants and fuel
• 1 reward point, for every Rs.150 spent on all other categories

Note that there is no monthly cap on the rewards earned using this rewards credit card.

Renewal Fee offer – You can avail the Renewal fee waiver of Rs. 250, on spending Rs. 60,000 in a year.

Other Benefits offered by Standard Chartered Platinum Rewards Credit Card:

• This credit card can be availed instantly via the online KYC facility. Thus, you can get this card even without any physical interaction. You can also avail a virtual credit card if you want to.
• The Platinum Rewards Card comes along the benefit of supplementary lifetime free credit card, so that the benefits is extended to your family as well.
• You can also transact with this card via the contactless payment facility to enable faster checkout and quick processing.
• For added security, the transactions done via the card are enabled with 3D secure OTP verification.
• With this card, you can pay credit card bill in easy EMIs at zero processing fee. This is applicable on outstanding bill amount up to Rs. 5 Lakh.
• The card also offers the Dial-a-loan facility, through which you can get a loan on your Platinum Rewards Card fo up to Rs. 5 Lakh for a tenure of 12 to 60 months.

Quick Read- Standard Chartered Credit Card Reward Points

*Terms and conditions apply.

Refer to the table below for the fees and charges applicable on this credit card-

Fee Type	Amount
Joining Fee	Rs. 250
Annual Fee ( second year onwards)	Rs. 250 (Waived off on spending Rs. 60,000)
Finance Charges	3.75% p.m. | 45% per year
Late Payment Fee	For Statement Balance Less than or equal to Rs. 100: NIL Between Rs. 101 to Rs. 500: Rs. 100 Between Rs. 501 to Rs. 5,000: Rs. 500 Between Rs. 5,001 to Rs. 10,000: Rs. 700 Between Rs. 10,001 to Rs. 25,000: Rs. 800 Greater than Rs. 25,000: Rs. 1,200

*For the most important terms and conditions of the Standard Chartered Platinum Rewards Credit Card, Click Here.

Criteria	Details
Occupation	Salaried and Self-employed
Minimum Income	Rs. 20,000 per month
Serviceable Cities	Click here for the list of eligible cities
Documents Required	Click here to see the list of acceptable documents

The Standard Chartered Platinum Rewards Credit Card is one of the best credit cards for rewards on multiple categories.  With a low annual fee of Rs. 250, the rewards that this card is offering are a great deal and that too across a unique combination of categories, fuel and dining.
You can enjoy a higher rewards rate of 3.3% on dining and fuel spends, as compared to other reward-based credit cards, as you earn 5X reward points. The best part about this card is that there is  no monthly cap on rewards earned.

Thus, this Standard Chartered Bank Credit Card is a good option if you are looking for a low-fee card, to improve your credit score, that specifically rewards you at both dining and fuel, then this card is a good option.
Note that for other categories, you earn 1 reward point on every Rs. 150 spend. This may be a drawback, if you are specifically looking for all rounder reward benefits across all spends.

Credit Card	Annual Fee	Reward Points
IDFC First Millennia Credit Card	Nil	6X reward points on online spends and 3X reward points on offline spends
HDFC MoneyBack+ Credit Card	Rs.500	10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore, BigBasket
Citibank Rewards Credit Card	Rs. 1,000	10X Rewards on every Rs. 125 spent at Apparel & Department Store
HDFC Diners Club Privilege Credit Card	Rs. 2,500	4 reward points on every Rs. 150 spent on retail spends
SBI Card Prime	Rs. 2,999	10 reward points per Rs. 100 spent on dining, groceries, movies and departmental stores

Is Standard Chartered Platinum Rewards credit card good?

Standard Chartered Platinum Rewards Credit Card is a good card when it comes to offering high rewards at a low-fee. Note that with this card you can get 5X rewards on fuel and fine-dining without any monthly limit.

Suggested Read: Best Rewards Credit Cards in India

Does Standard Chartered Platinum Rewards card have lounge access?

No, there is no complimentary lounge access offered along the Platinum Rewards Credit Card. If you are specifically looking for lounge benefits on your credit card, you can best airport lounge access credit cards in India.

Can I transfer my outstanding balance on any other bank’s credit card?

Yes, Standard Chartered Platinum Rewards credit card provides the facility of ‘Balance Transfer’ via which you can transfer your outstanding balance on any other bank’s credit card.

Are my online transactions secured?

Yes, all the online transactions are secured with the feature of 3D secure OTP verification.

What are the identity proofs required to apply for a Standard Chartered Platinum Rewards credit card?

The identity proofs required to apply for Standard Chartered World Emirates credit card are Aadhaar Card and any one of the photo ID cards amongst Passport, PAN Card, Voter ID Card or Government ID.

Will I be charged if I use my card overseas?

All the overseas transactions are levied with a 3.5% transaction fee.

What is the monthly Annual Percentage Rate (APR) for the Platinum Rewards credit card?

The monthly interest rate for Platinum Rewards credit card is 3.75% pm (APR of 45%). The monthly interest rate is annualized to arrive at the Annualized Percentage Rate (APR).