Which Standard Chartered credit cards are best for NRIs (Non-Resident Indians)? Should they get an India-based SC card or a global SC card from their country of residence?
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NRI can apply for SC credit cards in both India and their resident country as well. SC Ultimate’s weights well with reward points (3.33% in India) and also low forex fee (2%). SC DigiSmart gives you the apps you need to make online shopping a pleasant experience. Overseas, SC Priority Banking cards are issued to NRIs in Singapore & UAE with high limits, room access, travel benefits.
If you are spending in India, apply for India SC card for rupee transactions For frequent travelers or international expatriates, an SC card from your homelands may be an even better option, coming with even more perks and lower forex charges.
India-Based Standard Chartered Credit Cards for NRIs
If you’re an NRI who still spends or maintains strong ties in India, SC India’s credit cards can be very useful. They allow you to transact in INR, enjoy local offers, and manage your finances alongside your NRE/NRO accounts.
Pros of India-Based SC Cards
• Easy to use for Indian expenses like family support, bills, and travel within India.
• Premium cards like Ultimate Credit Card or Priority Visa Infinite offer high reward points, lounge access, and travel insurance.
• Transactions are governed by RBI norms, giving additional consumer protection.
Cons of India-Based SC Cards
• Foreign currency mark-up fees may apply when you use the card abroad.
• Rewards may be optimized for Indian spends rather than global usage.
• Documentation for NRI applicants can be more detailed.
Global Banking Options (Standard Chartered Abroad)
If you live and spend mostly outside India, SC also offers credit cards through its global branches (UAE, Singapore, UK, etc.). These cards are tailored for overseas lifestyles and international spends.
Pros of Global SC Cards
• Designed with low or zero foreign transaction fees.
• Reward structures suited for global travel, dining, and foreign spends.
• International travel benefits like global lounge access and travel insurance.
Cons of Global SC Cards
• Less rewarding for India-based expenses.
• Eligibility may depend on your credit history in that country.
• Different redemption options depending on the region.
Key Factors to Compare
Foreign exchange fees — lower is better if you spend abroad often.
Rewards structure — check if points are stronger on Indian or overseas spends.
Annual fee vs. benefits — ensure lounge, insurance, or miles justify the fee.
Support & servicing — India cards make sense for Indian spends; global cards for your resident country.
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You can explore and compare India-based SC credit cards here: