Hie, I am new to Standard Chartered credit cards!
Which one do you think offers the best value in India and globally—whether it’s rewards, travel perks, or cashback? Share your insights!
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Best in India:
- Standard Chartered Ultimate Card – Ideal for frequent travelers. It gives lounge access, golf benefits, high rewards.
- Standard Chartered Smart Credit Card – Suitable for beginners. It provides simple EMI options, 2 % cashback for online spending.
- Standard Chartered Super Value Titanium Card – Ideal for savings on fuel, dining, utility bills. It gives 5 % cashback.
Best Globally:
- Standard Chartered Visa Infinite Card – Provides travel benefits. It gives worldwide lounge access, hotel advantages, concierge service.
- Standard Chartered Priority Visa Infinite Card – Designed for priority banking customers. It offers greater rewards, lifestyle benefits.
If you travel often choose Ultimate (India) or Visa Infinite (Global). For daily savings choose Smart or Super Value Titanium.
Which Standard Chartered credit card in India gives the easiest rewards to redeem for shopping?
Hey! I totally get it there’s literally nothing worse than earning all these points and then spending what feels like forever trying to figure out how to actually use the damn things!
Here’s what I’ve figured out from my own messy experience with these cards:
Just get the Standard Chartered Smart Credit Card, seriously
Look, if you’re anything like me and just want something that actually works without making you want to throw your phone across the room, this is 100% the one. I’ve been bugging all my friends to get this card and they keep texting me like “omg why didn’t I do this sooner??”
Why it’s perfect for shopping: You get 2% back on online purchases and 1% on everything else. But here’s the thing that’ll blow your mind that money literally just appears on your statement as real cash back. No weird point conversions, no sitting there googling what things are “worth,” just actual money you can spend right away. After dealing with so many ridiculous reward systems, this honestly feels like a miracle.
How easy is it to redeem? The cash back just hits your statement automatically. Like, that’s it. You can poke around their R360 portal through the banking app if you’re bored, but honestly. It’s basically like getting paid to shop, which is literally what’s happening.
Other cards that are… fine, I guess:
Ultimate Credit Card: This one’s okay if you spend a ton. You get 5 points per ₹150 spent, and thank god each point is worth ₹1 (finally, some math that doesn’t make my brain hurt!). You can trade these for vouchers through their portal. It’s decent, but only if you’re constantly dropping serious money.
Platinum Rewards Card: Gives you 5 points per ₹150 on dining and fuel, 1 point per ₹150 on other stuff. It’s… whatever. Nothing special for regular shopping.
The annoying crap they don’t tell you upfront:
- You need 1,000 points minimum to redeem anything (so freaking annoying)
- They charge you ₹99 every time you redeem (because why not make it more annoying, right?)
- At least there’s no limit on how much you can redeem at once, so that’s something
My honest opinion: I’ve watched way too many people get completely fed up with these point systems that feel like you need a math degree just to buy groceries. The Smart Card basically says “screw all that complicated stuff” and just gives you real money back. You shop online (which we’re all doing constantly anyway), you get 2% back in actual cash, boom, you’re done. No weird catalogs to scroll through, no calculator needed to figure out if something’s worth your points.
It’s perfect for anyone who wants rewards that actually feel rewarding instead of like homework you forgot to do. Trust me, you’ll be thanking yourself later for not making this harder than it needs to be!
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What are its annual and joining fees?
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Annual Fees(1st year)-
Joining / First Year Fee of INR 499 + GST waived as a Special Offer (Not applicable for existing SCB credit card holders)
Renewal Fee (2nd Year Onwards)-
INR 499 + GST, The renewal fee will be reversed for clients with spends greater than or equal to INR 120,000 in the preceding year on Smart credit card