Standard Chartered Rewards Credit Card: Features & Apply

Table of Contents

Summary

The Standard Chartered Rewards Credit Card is ideal for those who love earning rewards on their everyday expenditure. It earns 5x reward points for online purchases, dining, and travel reservations, and 1x reward point for other transactions. The reward points can be redeemed to gain gift vouchers, cashback, and even air miles, making the card very rewarding.

Another aspect of this card that makes it unique is its ₹250 annual fee, which you can get waived off if you make a payment of ₹30,000 or more within one year. Hence, it continues to be an affordable option for consumers who are seeking a credit card at minimal cost of maintenance. The Credit card is also lenient on EMIs so you can comfortably turn large ticket purchases into instalments over monthly periods.

For regular travelers, the card offers exclusive discounts on flights and hotels, and airport lounge access at certain airports. It also offers a waiver of a 1% fuel surcharge, and it is perfect for regular commuters.

Introduction

If you enjoy shopping and receiving rewards, the Standard Chartered Rewards Credit Card is an appropriate option. The card is best for those who wish to accumulate reward points on all purchases and exchange them for rewarding rewards. Whether you purchase online, dine at restaurants, or purchase travel tickets, the card makes earning rewards easy.

One of the best advantages of this credit card is its simple rewards program. You get 5x reward points on purchases over online, dining, and travel bookings, and the rest of all spending rewards you with a 1x reward point. The reward points can be redeemed to earn more gift vouchers, cashback, and fantastic deals, making your spending even more rewarding.

But another benefit is that it charges low annual fees, which can be exempted if you have a certain amount of purchases every year. Further, the card offers easy EMI conversion, i.e., you can convert big purchases into small monthly payments. It helps in budgeting your expenses without financial stress.

It provides special travel savings and access to airport lounges at select airports for regular commuters. Even offers waivers of fuel surcharges, which suits regular commuters fine.

What is the Standard Chartered Rewards Credit Card?

The Standard Chartered Rewards Credit Card is a credit card that allows you to earn reward points for every time you spend. Whether you eat out at restaurants, shop online, or purchase travel tickets, you earn points that can be used as cashback, gift coupons, and other great offers.

This card is ideal for the shopaholic who would love to get that little something more from every spend. This one provides 5x reward points on travel, dining, and online shopping and 1x reward point for all other spending. Additionally, you also have the opportunity to enjoy the added benefits such as simple EMI conversion, waivers of fuel surcharges, and travel savings.

How is the design of the Standard Chartered Rewards Credit Card?

The Standard Chartered Rewards Credit Card is designed with a fashionable and contemporary appearance. It comes in blue or silver color, which is elegant and provides a premium look. The card bears the Standard Chartered logo on top, followed by the name “Rewards” in a prominent manner so that it is easily recognizable.

It features a simple, yet elegant look that makes your card appear classy when you shop with it. It also boasts an EMV chip for increased security, promising secure transactions. In general, the card looks beautiful and professional, and having it in your wallet is going to be beneficial.

What are the benefits of the Standard Chartered Rewards Credit Card?

Following are some of the highlights with actual reward points:

Earn More Reward Points

5 reward points on online shopping, dining, and travel booking.
1 reward point for every other spend.

Simple Reward Redemption

Redeem reward points as gift vouchers, cashback, or shopping discounts.
Transfer points as Amazon Pay balance or other exciting offers.

Fuel Surcharge Waiver

Enjoy a waiver of 1% on fuel surcharge on all petrol pumps across India.

Easy EMI Conversion

Convert big spends into low-interest rate EMIs each month.

Low Annual Fee (With Waiver)

The annual fee is low and can be waived if you incur a certain spend in a year.

Exclusive Travel Benefits

Get discounts on flight and hotel bookings.
A few airport lounge access for hassle-free travel.

Secure Transactions

Comes with an EMV chip for added security against fraud.

What are the fees for the Standard Chartered Rewards Credit Card?

Here is a simple Standard Chartered Rewards Credit Card fee breakup.

Joining Fee	There is no joining fee for the Standard Chartered Rewards Credit Card.
Annual Fee	Rs. 1,000 + GST
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, 3.75% per month (45% annually) on the outstanding balance.
Cash Advance Fee	3% of the amount withdrawn or ₹300, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a Standard Chartered Rewards Credit Card?

1. Age Requirement:

You should be between 18 to 65 years of age.

2. Income Requirement:

Salaried persons: Minimum ₹25,000 per month.
Self-employed persons: Minimum ₹6,00,000 per annum (after tax).

3. Employment Status:

You should have a regular job or business with a fixed income source.

4. Credit Score:

A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

You should be an Indian resident and have a valid address proof.

What documents are required to get a Standard Chartered Rewards Credit Card?

The documents that you will have to submit to Getana Standard Chartered Rewards Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Standard Chartered Rewards Credit Card be used?

Here is the list of places where you can use it:

With the Standard Chartered Rewards Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

You can use your Standard Chartered Rewards Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

The Standard Chartered Rewards Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Standard Chartered Rewards Credit Card?

The Standard Chartered Rewards Credit Card limit is different for individuals because it depends on several parameters. Standard Chartered Bank reviews your income, credit history, payment history, and outstanding debt before allocating a limit. The high-credit-score (750+) customers with regular income and good financial track record generally receive a higher credit limit.

If you initially get a lower limit, you may request an increment in the credit limit after some months of proper usage. Timely repayment, low utilization of credit, and a good banking relationship with Standard Chartered Bank can help you get the higher limit. Pre-approved limit hike by the bank from time to time is also given to the eligible customers.

How do you apply for a Standard Chartered Rewards Credit Card?

Apply it through both these modes:

Online Application Process

Visit the official website of the Standard Chartered Bank, i.e.

Go to ‘Cards’, followed by ‘Credit Cards’.

On that page, you can see numerous options for credit cards issued by Standard Chartered Bank; for instance, you can choose the Standard Chartered Rewards Credit Card.

Just hover your cursor on the Standard Chartered Rewards Credit Card, followed by selecting ‘Apply Now‘ from there.

You will be asked to fill out your details including your name, contact information, income details, and employment status.

Be accurate and updated with the information provided.

You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

After filling out the details and uploading the documents, review your application to make sure everything is correct.

Apply online through the application form.

The bank will check your application after submitting it. They can ask for extra documents or information if required.

You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

You can walk into the nearest Standard Chartered Bank branch to apply for the Rewards Credit Card.

Request for the credit card application form for the Standard Chartered Rewards Credit Card. They will provide you with the form and proceed accordingly.

Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.

Your application will be processed, and your information will be cross-checked at the bank level.

In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

You will receive the Standard Chartered Credit Card by post at the same postal address.

Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Standard Chartered Bank Card website, or mobile app or by calling their customer service.

For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a Standard Chartered Rewards Credit Card in 2025 be right?

Yes, getting a Standard Chartered Rewards Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.

Standard Chartered Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

The Standard Chartered Rewards Credit Card is ideal for the shop, eat, and travel aficionado who can redeem rewards. It rewards 5x reward points for shopping online, eating, and travel bookings, so every transaction is rewarding. The flexibility to redeem the points in gift vouchers, cashback, and travel benefits is an added advantage.

The most positive aspect of this card is that it has a low yearly fee, which can be waived if you manage to spend the amount the company needs. What this means is that you have the privilege of having a rewards credit card without paying hefty fees. The card provides fuel surcharge waivers, easy EMI options, and travel discounts too, so it’s a card suitable for daily use and high bills.

Security is also a strong attribute of this Credit card. With an EMV chip for extra security, you can shop and make transactions without security concerns. The simple online application process allows you to apply and get approved if you qualify.