1. Standard Chartered Smart Credit Card
Annual fee ₹499 · Rewards up to 2% · You keep ₹4,200* a year
The Standard Chartered Smart Credit Card is a simple cashback card: 2% back on online spends and 1% on offline spends, with up to ₹1,500 a statement cycle. It also gives new cardholders 90 days of interest-free credit on the minimum payment, for a fee of just ₹499.
- 2% on online shopping
- 1% on other spends
2. Standard Chartered Ultimate Credit Card
Annual fee ₹5,000 · Rewards up to 3.33% · You keep ₹3,453* a year
The Standard Chartered Ultimate Credit Card pays a flat 5 reward points per ₹150, with each point worth ₹1, which is about 3.3% back on most spends. The ₹5,000 fee comes back as 5,000 points each year, and you also get golf, lounge visits and a 2% forex markup.
- 2% on bills and utilities
- 2% on groceries
- 3.33% on other spends
3. EaseMyTrip Standard Chartered Credit Card
Annual fee ₹350 · Rewards up to 2.5% · You keep ₹1,800* a year
The EaseMyTrip Standard Chartered Credit Card is a low-fee travel card that cuts EaseMyTrip bookings by up to 20% on hotels and 10% on flights. It also earns 10 points per ₹100 when you book directly with an airline or hotel.
- 0.5% on other spends
Compare these cards
| Card | Joining fee | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|---|
| Standard Chartered Smart Credit Card | ₹499 | ₹499 | 2% | ₹4,200* |
| Standard Chartered Ultimate Credit Card | ₹5,000 | ₹5,000 | 3.33% | ₹3,453* |
| EaseMyTrip Standard Chartered Credit Card | ₹350 | ₹350 | 2.5% | ₹1,800* |
How to choose a Standard Chartered credit card
- Start with where you spend the most, then look for the card that pays on it.
- Check the limit on the top rate, and which spends earn nothing.
- See if you can reach the fee waiver with your normal spending.
- Read the age and income rules on the card page before you apply.
How we ranked these cards
We work out what each card pays on ₹30,000 a month of mixed spending, then take off the renewal fee with GST. We count rewards only up to each limit. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there. Welcome gifts and lounge visits are left out. What a bank pays us plays no part. Your own result will differ, so try the credit card finder with your spending.
The bank alone decides approval and your credit limit.
Frequently asked questions
Which Standard Chartered credit card is the best?
It depends on how you spend. On our example spending, Standard Chartered Smart Credit Card comes first, but your result will differ. Try the credit card finder with your own numbers.
Which Standard Chartered credit card has the lowest annual fee?
EaseMyTrip Standard Chartered Credit Card has the lowest annual fee of the cards we have checked, at ₹350 before GST.
How many Standard Chartered credit cards have you checked?
We have checked 3 so far, against Standard Chartered Bank's own terms: EaseMyTrip Standard Chartered Credit Card, Standard Chartered Smart Credit Card and Standard Chartered Ultimate Credit Card.
Who decides if I get a Standard Chartered credit card?
Standard Chartered Bank alone decides approval and your credit limit, based on its own rules. Age and income rules are on each card page.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms. Fees are before GST.
Some Apply buttons are partner links. What a bank pays us never changes the order or any figure. How we make money