Standard Chartered Bank is one of the premier banking institutions in India and offers a range of financial services, including credit cards, to all of its customers. From entry-level to premium categories, the bank issues various credit cards, keeping the requirements of different individuals in mind. Standard Chartered Credit Cards are designed by keeping in view the varying customer needs, thus the benefits are spread across multiple categories, such as travel, shopping, cashback, fuel, utility bill payments. etc.
Here we have listed the five best SC Bank Credit Cards of 2025, offering benefits across multiple categories, each tailored to distinct spending styles.
05 Best Standard Chartered Bank Credit Cards in India
1. Standard Chartered Ultimate Credit Card –
Standard Chartered Ultimate is a premium credit card that offers value-back across multiple spending categories, matching top premium cards like HDFC Diners Club Black and HDFC Infinia. It stands out for its broad reward coverage, including utilities, insurance, and education—categories often excluded by other cards. However, the card falls short on lounge access, offering 12 free visits per year with a spend-based condition. Additionally, its lifestyle perks in categories like dining and entertainment are limited.
Joining Fee: INR 5000/-
Renewal Fee: INR 5000/-
- Earn 5 rewards per INR 150 spent with 1:1 redemption ratio.
- Earn 5% cashback up to INR 1,000 on all duty-free spends.
- You can earn 6,000 reward points on joining & 5,000 reward points on renewal fee payment.
- Low Forex Mark-up: Foreign currency mark-up fee of 2% on international spends.
- 1 golf game & 1 coaching session per month at premier domestic golf courses.
- Up to 12 lounge access in a year via Priority Pass on min. INR 20,000 monthly spends.
2. Standard Chartered EaseMyTrip Credit Card –
The next on this list is the Standard Chartered EaseMyTrip card, which as the name suggests, indicates reward benefits for travel-related spends. It is a co-branded travel credit card that offers benefits to its users in the form of instant discount on travel bookings made through EaseMyTrip, along with rewards benefits and complimentary lounge access.
Currently, this is the second-best credit card in the market for 2025, from the house of Standard Chartered bank.
Joining Fee: INR 350/-
Renewal Fee: INR 350/-
- Earn 20% discount on domestic & international hotel bookings via EaseMyTrip.
- Get 10% discount on domestic & international flight bookings via EaseMyTrip.
- Save up to INR 5,000 on domestic hotel bookings and INR 10,000 on international hotel bookings via EaseMyTrip
- Save up to INR 1,000 on domestic flight bookings and INR 5,000 on international flight bookings via EaseMyTrip.
- Flat INR 125 off on bus ticket bookings via EaseMyTrip
- 10 reward points per Rs. 100 spent at standalone airline/hotel websites, mobile apps or outlets
- 2 complimentary domestic lounge visit per year.
3. Standard Chartered Smart Credit Card –
The next on this list is an entry level card from the SC Bank. It offers cashback on all online and offline spends, irrespective of the brand or platform. Unlike many cashback credit cards, it has fewer exclusions. Except for fuel, it offers cashback across most categories including common utility payments such as water, gas, telecom, and electricity. However, despite charging a joining and annual fee, the card does not provide any welcome or renewal benefit to compensate for the same.
Joining Fee: INR 499/-
Renewal Fee: INR 499/-
- This card provides 2X cashback on all online spends.
- It offers low interest of 0.99% per month on credit card EMIs.
- Extended interest free credit period for the first 90 days by paying only the minimum amount due.
- 2% cashback on online transactions (up to Rs. 1,000 per month)
- 1% cashback on other transactions (up to Rs. 500 per month)
4. Standard Chartered Platinum Rewards Credit Card –
Standard Chartered Platinum Rewards Credit Card is an entry-level card primarily designed to offer benefits on dining and fuel spends. While other competitive cards either exclude fuel from their rewards program or limit the accelerated rewards, this card’s unlimited accelerated rewards give it an edge over other entry-level cards. Overall, this card is a suitable option for consumers whose monthly spends are largely focused on fuel and dining.
Joining Fee: INR 250/-
Renewal Fee: INR 0/-
- Earn up to 5X reward points on dining and fuel spends.
- Joining fee waiver on spending INR 500 within 30 days of card issuance.
- 5 reward points for every INR 150 spent on dining and fuel, with no monthly capping.
- 1 reward point for every INR 150 spent on other categories.
- Make contactless payments for faster checkout and quick processing
5. Standard Chartered Super Value Titanium Credit Card –
Standard Chartered Super Value Titanium is another entry-level credit card which offers benefits across fuel and utility spends. It is among the few credit cards in India that offer rewards on fuel without being a co-branded card. Value-back on primary categories is offered in the form of direct cashback, with separate capping on each category.
Joining Fee: INR 750/-
Renewal Fee: INR 750/-
- Earn 5% cashback on fuel, telephone and utility bills.
- Get up to 1 reward point per INR 150 spent on other categories.
- No annual fee will be charged for Premium banking customers.
- Complimentary Priority Pass membership for Premium banking clients
- 1 free Priority Pass lounge visit per month outside India for Premium clients, on fulfilling terms and conditions.
Regardless of your choice, ensure you understand the eligibility criteria, fee waiver conditions, and spend thresholds needed for maximum value. This article equips you with clear, up-to-date insight into the top 5 Standard Chartered credit cards in India in 2025. Whether you prioritize travel, cashback, convenience, or cost-efficiency, there’s a card on this list tailored to your needs.