Best Standard Chartered Credit Cards in India 2020

Standard Chartered Bank offers great credit cards that can offer you great benefits on your spending. Our team has researched the bank's cards to create a comprehensive list of the best Standard Chartered credit card offerings.

Card NameBest ForFeatures
Standard Chartered UltimateRelatively high spenders looking for the best cashback card on the marketUp to Rs. 10,000 MakeMyTrip, 3.33% on all spends
Standard Chartered Yatra PlatinumIndividuals who travel often and book on the Yatra platform10% cashback on Yatra
Standard Chartered Super Value TitaniumIndividuals interested in a card to use on fuel, utility, and phone payments5% rewards on fuel, utility, and phone bills
Standard Chartered Priority Visa InfiniteIndividuals seeking a lifetime free credit card with great airport lounge access and overseas spendinglounge benefits, 1.19% on overseas spending
Best Card for Cashback:
Best Card for Travel:
Best Fuel, Utility, and Phone Bill Card
Best Lifetime Free Card

Best Credit Card for Cashback: Standard Chartered Ultimate Credit Card

  • 3.33% rewards rate on all spending categories
  • Promotions: Sign-Up Bonus: Up to ₹ 10,000 cashback on MakeMyTrip if booked within 90 days of card issuance
  • Renewal benefit: 5,000 points
The Standard Chartered Ultimate Card is the best cashback card offered in the market for spending across all categories. On general spending, the cardholder earns a rewards rate of 3.33% with no exclusions. On top of this, the card provides a welcome bonus of up to Rs. 10,000 cashback on MakeMyTrip tickets booked within the first 90 days of card issuance.


Additionally, the card offers great travel perks with 4 quarterly lounge visits through the Visa program, and one free monthly Priority Pass visit if you reach Rs. 20,000 in monthly spending. Furthermore, as a cardholder, you will also receive a 5% discount on duty free purchases. In terms of the foreign transaction fees, the card charges only 2%, one of the lowest in India. However, the Standard Chartered Ultimate card also comes with a relatively high annual fee of Rs. 5,000. This is a great option for anyone looking to acquire a cashback card who could afford the annual fee or is a high spender.

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  • Annual Fee: Rs. 5,000
  • Reward Earn Rate: 5 points per Rs. 150 spent on all transactions; 5% cashback duty free spend
  • Point Value: 1 point = Rs. 1 cashback
  • Perks: Complimentary Priority Pass membership (USD 27/visit, waived once monthly if last month's spend > Rs. 20,000); Visa Lounge access (4 free visits/quarter, major airports in India); 2 free domestic golf games/month (1 free guest game/month), 1 free golf coaching session/month; air accident cover of Rs. 1 crore, emergency medical, bag delay, loss of bags/personal docs, hijacking and flight delay coverage
  • 3.33% rewards rate on all spending categories
  • Promotions: Sign-Up Bonus: Up to ₹ 10,000 cashback on MakeMyTrip if booked within 90 days of card issuance
  • Renewal benefit: 5,000 points
The Standard Chartered Ultimate Card is the best cashback card offered in the market for spending across all categories. On general spending, the cardholder earns a rewards rate of 3.33% with no exclusions. On top of this, the card provides a welcome bonus of up to Rs. 10,000 cashback on MakeMyTrip tickets booked within the first 90 days of card issuance.


Additionally, the card offers great travel perks with 4 quarterly lounge visits through the Visa program, and one free monthly Priority Pass visit if you reach Rs. 20,000 in monthly spending. Furthermore, as a cardholder, you will also receive a 5% discount on duty free purchases. In terms of the foreign transaction fees, the card charges only 2%, one of the lowest in India. However, the Standard Chartered Ultimate card also comes with a relatively high annual fee of Rs. 5,000. This is a great option for anyone looking to acquire a cashback card who could afford the annual fee or is a high spender.

Read Our Review

  • Annual Fee: Rs. 5,000
  • Reward Earn Rate: 5 points per Rs. 150 spent on all transactions; 5% cashback duty free spend
  • Point Value: 1 point = Rs. 1 cashback
  • Perks: Complimentary Priority Pass membership (USD 27/visit, waived once monthly if last month's spend > Rs. 20,000); Visa Lounge access (4 free visits/quarter, major airports in India); 2 free domestic golf games/month (1 free guest game/month), 1 free golf coaching session/month; air accident cover of Rs. 1 crore, emergency medical, bag delay, loss of bags/personal docs, hijacking and flight delay coverage

Best Credit Card for Travel: Standard Chartered Yatra Platinum Credit Card

  • 10% on all travel bookings through Yatra
  • Promotions: Sign-Up Bonus: Yatra vouchers worth ₹ 4,000
The Standard Chartered Yatra Platinum Credit Card is the best travel rewards card offered on the market for Yatra users. The credit card provides cardholders with an excellent cashback of 10% on all travel bookings made through the Yatra platform—including hotel bookings and domestic and international flight bookings. The card also includes a fantastic perk which waives flight cancellation fees, adding flexibility to any trip. In addition to the 10% cashback made through Yatra bookings, cardholders also earns a 0.95% rewards rate on all Yatra travel bookings.


On the other hand, cardholders earn a low rewards rate of 0.48% for all other spending categories. Even with this low rate, it is still the best card for those interested in exclusively booking their travels through Yatra.

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  • Annual Fee: 499
  • Earn Rate: 10% Cashback on all travel bookings (Rs. 250 cap on domestic flights, Rs. 750 cap on international flights and Rs. 1,000 cap on hotel bookings—this cashback is applicable 12 times per calendar year and max 4 times a month), 4 points per Rs. 100 spent on Yatra travel bookings, 2 points per Rs. 100 spent on all other spending categories
  • Cashback requirement: To receive this cashback the flights must be roundtrips and the hotel booking has to be at least 3 nights with a minimum booking price of Rs. 4,000.
  • Est. Point Value: 1 point = 0.53 InterMiles = ~ Rs. 0.24
  • Travel Perks: Waivers on flight cancellation fees for all tickets booked on the Yatra platform
  • Fuel Surcharge Waiver: Fuel surcharge waiver of 1% across India (maximum waiver of Rs. 150)
  • Receive dining and shopping discounts through the Standard Chartered Good Life Programme
  • FX Fee: 3.5%
  • 10% on all travel bookings through Yatra
  • Promotions: Sign-Up Bonus: Yatra vouchers worth ₹ 4,000
The Standard Chartered Yatra Platinum Credit Card is the best travel rewards card offered on the market for Yatra users. The credit card provides cardholders with an excellent cashback of 10% on all travel bookings made through the Yatra platform—including hotel bookings and domestic and international flight bookings. The card also includes a fantastic perk which waives flight cancellation fees, adding flexibility to any trip. In addition to the 10% cashback made through Yatra bookings, cardholders also earns a 0.95% rewards rate on all Yatra travel bookings.


On the other hand, cardholders earn a low rewards rate of 0.48% for all other spending categories. Even with this low rate, it is still the best card for those interested in exclusively booking their travels through Yatra.

Read Our Review

  • Annual Fee: 499
  • Earn Rate: 10% Cashback on all travel bookings (Rs. 250 cap on domestic flights, Rs. 750 cap on international flights and Rs. 1,000 cap on hotel bookings—this cashback is applicable 12 times per calendar year and max 4 times a month), 4 points per Rs. 100 spent on Yatra travel bookings, 2 points per Rs. 100 spent on all other spending categories
  • Cashback requirement: To receive this cashback the flights must be roundtrips and the hotel booking has to be at least 3 nights with a minimum booking price of Rs. 4,000.
  • Est. Point Value: 1 point = 0.53 InterMiles = ~ Rs. 0.24
  • Travel Perks: Waivers on flight cancellation fees for all tickets booked on the Yatra platform
  • Fuel Surcharge Waiver: Fuel surcharge waiver of 1% across India (maximum waiver of Rs. 150)
  • Receive dining and shopping discounts through the Standard Chartered Good Life Programme
  • FX Fee: 3.5%

Best Credit Card for Fuel, Utility, and Phone Bills: Standard Chartered Super Value Titanium Card

  • 5% on fuel purchases
  • 5% on utility bill payments
  • 5% on phone bill payments
The Standard Chartered Super Value credit card is the best fuel option to have for consumers that do not have any preferred fuel option. The card offers cardholders 5% cashback (net of surcharge), subject to a minimum transaction amount of Rs. 750 with max cashback of Rs. 100 per transaction and Rs. 200 per month. In addition to that, you get an excellent 5% cashback on utility and phone bills. However, you will earn a relatively low 0.67% cashback.


This rewards structure makes the card best for people who spend on fuel, utilities, and phone bills. As to annual fees, the Standard Chartered Super Value card incurs Rs. 750 annually and is waived for SC Premium Banking customers. Further, SC Premium Banking customers will also receive a monthly visit to Priority Pass airport lounges. This is the best option in the market for individuals looking to acquire a cashback card to use primarily on utility, fuel, and phone bills.

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  • Annual Fee: Rs. 750 (no charge if SC Premium client)
  • Fuel: 5% cashback (net of surcharge), min transaction Rs. 750, max Rs. 100 cashback/transaction & Rs. 200/month
  • Utilities: 5% cashback, minimum transaction of Rs. 750, max Rs. 100 cashback/month
  • Phone bill: 5% cashback, min transaction of Rs. 750, max Rs. 100 cashback per transaction & Rs. 200 per month
  • Other: 1 point per Rs. 150 spent (Premium Banking: 5x overseas spend)
  • Point Value: 100 points = 53 JPMiles = Rs. 24
  • SC Good Life Program; Premium Banking - Priority Pass (1 free lounge visit per month)
  • 5% on fuel purchases
  • 5% on utility bill payments
  • 5% on phone bill payments
The Standard Chartered Super Value credit card is the best fuel option to have for consumers that do not have any preferred fuel option. The card offers cardholders 5% cashback (net of surcharge), subject to a minimum transaction amount of Rs. 750 with max cashback of Rs. 100 per transaction and Rs. 200 per month. In addition to that, you get an excellent 5% cashback on utility and phone bills. However, you will earn a relatively low 0.67% cashback.


This rewards structure makes the card best for people who spend on fuel, utilities, and phone bills. As to annual fees, the Standard Chartered Super Value card incurs Rs. 750 annually and is waived for SC Premium Banking customers. Further, SC Premium Banking customers will also receive a monthly visit to Priority Pass airport lounges. This is the best option in the market for individuals looking to acquire a cashback card to use primarily on utility, fuel, and phone bills.

Read Our Review

  • Annual Fee: Rs. 750 (no charge if SC Premium client)
  • Fuel: 5% cashback (net of surcharge), min transaction Rs. 750, max Rs. 100 cashback/transaction & Rs. 200/month
  • Utilities: 5% cashback, minimum transaction of Rs. 750, max Rs. 100 cashback/month
  • Phone bill: 5% cashback, min transaction of Rs. 750, max Rs. 100 cashback per transaction & Rs. 200 per month
  • Other: 1 point per Rs. 150 spent (Premium Banking: 5x overseas spend)
  • Point Value: 100 points = 53 JPMiles = Rs. 24
  • SC Good Life Program; Premium Banking - Priority Pass (1 free lounge visit per month)

Best Lifetime Free Credit Card: Standard Chartered Visa Infinite Credit Card

  • 1.19% on overseas spending
The Standard Chartered Priority Visa Infinite Credit Card is the best lifetime free credit card option available that also provides both international and local lounge access to Standard Chartered priority bankers. Furthermore, the card comes with a complimentary Standard Chartered Priority Pass membership, cardholders are eligible to access over 1,000 international airport lounges for a nominal fee (depending on the type of Priority Pass membership the cardholder opted into). The cardholder will also be eligible for 4 domestic lounge visits per quarter.


In addition to the great perks and travel benefits, the Standard Chartered Priority Visa Infinite card earns an above average rewards rate of 1.19% on both retail and overseas spending. However, the card earns a lower 0.48% rewards rate on all other spending categories. This is a great credit card for those interested in no annual fees to use on overseas spending, retail spending, and as a way to enhance their travel experience through airport lounge access.

Read Our Review

  • Annual Fee: None
  • Earn Rate: 5 points per Rs. 100 on overseas and retail spending, 2 points per Rs. 100 on all other spending
  • Point Value: 1 point = 0.53 JetPrivilege Miles = ~ Rs. 24
  • Lounge Perks: Access to over 1,000 airport lounges worldwide, four domestic airport lounge access every quarter
  • 1.19% on overseas spending
The Standard Chartered Priority Visa Infinite Credit Card is the best lifetime free credit card option available that also provides both international and local lounge access to Standard Chartered priority bankers. Furthermore, the card comes with a complimentary Standard Chartered Priority Pass membership, cardholders are eligible to access over 1,000 international airport lounges for a nominal fee (depending on the type of Priority Pass membership the cardholder opted into). The cardholder will also be eligible for 4 domestic lounge visits per quarter.


In addition to the great perks and travel benefits, the Standard Chartered Priority Visa Infinite card earns an above average rewards rate of 1.19% on both retail and overseas spending. However, the card earns a lower 0.48% rewards rate on all other spending categories. This is a great credit card for those interested in no annual fees to use on overseas spending, retail spending, and as a way to enhance their travel experience through airport lounge access.

Read Our Review

  • Annual Fee: None
  • Earn Rate: 5 points per Rs. 100 on overseas and retail spending, 2 points per Rs. 100 on all other spending
  • Point Value: 1 point = 0.53 JetPrivilege Miles = ~ Rs. 24
  • Lounge Perks: Access to over 1,000 airport lounges worldwide, four domestic airport lounge access every quarter
Sahmi Chowdhury

Sahmi is a Junior Research Analyst specialising in credit cards and insurance in India. He previously worked in the financial services sector at Brown Brothers Harriman and True Capital Management.