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Whether you are looking for cashback, rewards, travel, shopping, or lifestyle benefits, you can always find a Standard Chartered Bank Credit Card that matches your requirements and budget.
Standard Chartered Bank is a multinational banking and financial services company with over 10 lakh active credit cards in India as of November 2023. It offers a range of credit cards to suit its customers' different needs and preferences.
But, you must know that choosing a credit card, or for that matter, any financial product without proper research, is never a wise decision. At the same time, we also understand that it becomes difficult for you to filter out the best credit card for yourself among hundreds of cards available.
Standard Chartered Bank Credit Cards
So, to assist you in doing so, today we have curated the best Standard Chartered Bank Credit Cards, out of which you can choose the best according to your requirements.
1. Standard Chartered Super Value Titanium Credit Card
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Standard Chartered Super Value Titanium Credit Card is best for those who want to save money on their everyday expenses like fuel, utility bills, phone bills, etc.
Features
| Travel Benefit | You get 20% off on Uber rides up to ₹600 per month. |
| Fuel Cashback | 5% cashback on fuel spends at all fuel stations, up to ₹200 per month (max ₹100 per transaction). It must be noted that this is applicable on transactions up to ₹2,000. |
| Cashback on Phone Bills | You can enjoy 5% cashback on telephone bills above ₹750 (max ₹100 per transaction). The maximum monthly cashback you can avail of is ₹200. |
| Rewards | Receive 1 reward point for every ₹150 you spend on other purchases using your credit card. |
Eligibility: Applicant's age should be between 21 and 65 years, and their monthly income should be at least ₹55,000.
Fees and Charges
| Joining Fee | ₹750 |
| Annual Fee | ₹750 |
| Foreign Transaction Fee | 3.50% |
| Annual Percentage Rate | 45% |
| Fuel Surcharge | 1% |
| Cash Withdrawal Fee | 2.50% |
The annual fees can be waived if you spend ₹90,000 or more in a year.
2. Standard Chartered Digi Smart Credit Card
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Standard Chartered Digi Smart Credit Card is best for those who love online shopping and want to enjoy discounts and offers on various e-commerce platforms.
Features
| Travel Benefit | Get a 20% discount on Domestic flights up to ₹750, 10% on International flights up to ₹10,000 and 25% on domestic hotels up to ₹4,000. |
| Myntra Discount | It offers instant discounts of up to 20% on Myntra with no minimum transaction size. This benefit is available to each cardholder on only one transaction every month, with a maximum discount transaction is ₹700 per cardholder per month. |
| Grofers Discount | You get a 10% discount on Grofers, subject to a maximum amount of ₹1000 per month, with no limit on the minimum purchase amount. The offer is applicable on five transactions per calendar month. |
| Entertainment Benefits | Get one ticket free when you buy one on the INOX platform for shows on Saturdays and Sundays. You can avail of this offer twice a month with your card, with a maximum limit of ₹200 per transaction. |
Eligibility: Applicant's age should be between 21 and 65 years, and their monthly income should be at least ₹50,000.
Fees and Charges
| Joining Fee | ₹49 (Monthly) |
| Annual Fee | ₹49 (Monthly) |
| Foreign Transaction Fee | 3.50% |
| Annual Percentage Rate | 45% |
| Fuel Surcharge | 1% |
| Cash Withdrawal Fee | 3% |
3. Standard Chartered Smart Credit Card
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Standard Chartered Smart Credit Card is best for those who want to earn cashback on all their transactions and also have the option to convert their purchases into easy EMIs. Mainly this card is for those who are just entering the world of credit cards and fall into the low-income horizon.
Features
| Cashback | You get a 2% cashback on all your online spending, with a maximum limit of ₹1000 per month. |
| EMI Plans | All transactions can be converted into EMIs at a discounted monthly interest rate of 0.99% with no processing costs. |
| Interest-Free Credit Period | By paying only the minimum amount due, you are given an extended interest-free credit term for the first 90 days following the issuing of your credit card. |
| Cashback on other transactions | You receive 1% cashback on all your other purchases, up to a monthly cap of ₹500. However, fuel purchases do not qualify for this cashback. |
Eligibility: Applicant’s age should be between 21 and 65 years, and they must have a stable income.
Fees and Charges
| Joining Fee | ₹ 499 |
| Annual Fee | ₹ 499 |
| Foreign Transaction Fee | 3.50% |
| Annual Percentage Rate | 45% |
| Fuel Surcharge | 1% |
| Cash Withdrawal Fee | 3% |
4. Standard Chartered Ease My Trip Credit Card
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If you are looking for a credit card that offers you the best travel deals, then you might want to consider the Standard Chartered EaseMyTrip Credit Card. This is a co-branded credit card between Standard Chartered Bank and EaseMyTrip, one of India's leading online travel portals. With this card, you can enjoy exclusive discounts and rewards on your travel bookings, complimentary lounge access and an annual fee waiver.
Features
| Flat Discount |
You can enjoy a flat 20% instant discount on domestic and international hotel bookings (up to ₹5000 and ₹10000, respectively). |
| Rewards | For booking reservations through independent hotel and airline websites, apps, and shops, you receive 10x rewards for every ₹100 spent. Additionally, for every ₹100 spent on any other category of retail purchases, you receive 2x reward points (2 reward points = ₹0.50). |
| Lounge Access | You are also entitled to one domestic and two foreign lounge visits per calendar quarter. |
Eligibility: Applicant's age should be between 21 and 65 years, and they must have a stable income.
Fees and Charges
| Joining Fee | ₹ 350 |
| Annual Fee | ₹ 350 |
| Foreign Transaction Fee | 3.50% |
| Annual Percentage Rate | 45% |
| Fuel Surcharge | 1% |
| Cash Withdrawal Fee | 3% |
5. Standard Chartered Ultimate Credit Card
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The Standard Chartered Ultimate Credit Card is a premium credit card that offers you the ultimate rewards and benefits on your travel, lifestyle and dining expenses.
This credit card has been designed for high-income individuals who want to live an elite lifestyle. And, because it's a premium card, Standard Chartered provides some unique privileges to its users, including membership to Dreamfolks, golf services, and 24-hour concierge service.
Features
| Welcome Bonus | You receive 6,000 rewards worth ₹6,000 as a welcome reward. |
| Travel Benefit |
You get a 5% cashback on duty-free purchases and access to more than 1000 airport lounges worldwide. Additionally, you can enjoy a reduced foreign currency markup fee of 2% on all foreign currency transactions. |
| Insurance Benefit | You receive many travel insurance covers as well as ₹1 crore worth of accidental air insurance coverage. |
| Rewards | For every ₹150 spent, you can get five reward points, and one reward point is equal to ₹1 to maximise benefits. |
Eligibility: Applicant's age should be between 21 and 65 years, and they must have a stable income.
Fees and Charges
| Joining Fee | ₹ 5000 |
| Annual Fee | ₹ 5000 |
| Foreign Transaction Fee | 2% |
| Annual Percentage Rate | 45% |
| Fuel Surcharge | 1% |
| Cash Withdrawal Fee | 3% |
Conclusion
In conclusion, Standard Chartered Bank offers a variety of credit cards to cater to its customers' different needs and preferences. You can discover the perfect card that aligns with your desires and budget, offering an array of remarkable benefits such as cashback, rewards, travel perks, shopping indulgences, and an enhanced lifestyle experience.
You can compare these cards through Select by Finology and apply for the one that suits you best. So, what are you waiting for? Your ideal card awaits, tailored to match your unique requirements. Apply for a Standard Chartered Bank Credit Card today and enjoy the benefits of smart banking.
