Standard Chartered Platinum Rewards Credit Card
Standard Chartered India · Open to apply
A lifetime-free rewards card: 5 reward points per ₹150 on dining and fuel with no cap and 1 point per ₹150 on everything else. A one-time ₹250 fee applies if there is no transaction of ₹500 in the first 30 days.
- Annual fee
- Lifetime free
- Joining fee
- None
- Base rate
- All other spends, 1 point per ₹150: 1 Reward points per ₹150
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- Dining and fuel, 5 points per ₹150: 5 Reward points per ₹150
Where the sources disagree
- Annual fee: The card's MITC (PRCXC: first-year and renewal fee INR 0) and the page ("Lifetime Free", "Zero Annual and Joining Fees") give nil joining and annual fees; the March 2026 MITC fee table lists ₹250 in both years with a ₹60,000 waiver (asterisk: waived on select channels under promotional offers), and the page's own FAQ says the first-year and renewal fee is ₹250. We use the card's own MITC, which is what an applicant through the page's online application gets.
Terms the calculator does not value
- A one-time fee of ₹250 plus GST is charged if the client makes no transaction of ₹500 or more within 30 days of card set-up (MITC footnote; page: "Spend of Rs 500 or more within 30 days from card issuance to avoid levy"). Avoided by one purchase, so not entered as a fee.
- The value of a reward point is not stated for this card, so points are not valued.
- The T&C that the page links ("Terms and conditions apply") for the rewards was not retrievable; exclusions beyond the MITC lines are unknown.
Sources
- Standard Chartered Platinum Rewards Credit Card product page (Product page, the bank's own, read 6 Nov 2026)
- Standard Chartered credit cards Most Important Terms and Conditions (version March 2026, with the table of fees) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Standard Chartered Platinum Rewards Credit Card Most Important Terms and Conditions (PRCXC) (Most important terms (MITC), the bank's own, read 6 Nov 2026)