All Cards by Standard Chartered Credit Cards in India

Standard Chartered offers a diverse line-up of cards designed for different lifestyles. From travel to everyday cashback, from basic virtual options to premium perks, the bank covers almost every use case you can imagine.

Best Credit Cards by Standard Chartered

If you’re browsing through SC’s credit card section, you’ll quickly spot their top options in India:

I’ve personally explored a few of these. The EaseMyTrip card is great if travel is a regular part of your life. For general-use folks like me, someone who values cashback on daily transactions, the Smart card often makes more sense. I rarely go for “prestige” cards unless they justify their annual fee with value.

Standard Chartered Credit Card Features & Benefits

Across its portfolio, Standard Chartered delivers consistency: rewards on your routine spending, discounts on travel, dining, and fuel, and tools that keep payments flexible. Cards come with virtual and contactless features, and you’ll find EMI and balance transfer options easy to activate online.

• Reduced foreign exchange markup: premium cards like the Ultimate Card charge around 2% on international spends.
• Extra reward points on categories including travel, utilities, and retail, with accelerated earnings on hotels and airlines.
• Hotel and flight savings on the EaseMyTrip card: 20% off hotels and around 10% off flights via EaseMyTrip offers.
• Complimentary airport lounge access for specific tiers like the Ultimate or Visa Infinite cards.
• Convenient digital features: instant virtual cards, “Kuch Bhi on EMI,” and smooth balance transfer execution.

Top Standard Chartered Credit Card Reviews

• EaseMyTrip Card: Great travel-focused discounts and lounge access, though users have flagged mixed communication around “lifetime free” claims.
• Ultimate: Strong on global lounge access and reward multipliers, but the joining fee could feel steep unless you’re a consistent high spender.
• Smart Card: Simple cashback structure, but I’ve noted user comments about reward caps. 

Reading these user stories reminded me of my own credit journey: I’d rather pay a fair annual fee for transparent rewards than chase “unlimited” offers that hide their conditions deep down the fine print.

Is there a Card Against FD by Standard Chartered? 

Standard Chartered lets you pledge your Fixed Deposit to get a credit card or loan against it. It’s ideal for people new to credit or those rebuilding their profile. You don’t break your FD: you just use it as backing. This can be an underrated route if you’re starting out or got rejected earlier. It’s how one of my cousins built his first solid credit history.

Standard Chartered Credit Card Rewards, Cashback & Offers

Standard Chartered credit cards reward you for category-based spending: online purchases, utilities, travel, hotel bookings, and more. 

Partner tie-ups like EaseMyTrip and various flight or hotel deals give a constant rotation of seasonal offers and accelerated earning categories. Just watch out for reward caps or minimum spend criteria listed in each campaign.

Standard Chartered Credit Card Eligibility Criteria

Eligibility for Standard Chartered credit cardsin India generally falls within these brackets:

• Age: 18–65 for salaried, up to 67 for self-employed.
• Income: Stable proof required based on card type.
• Residency: Available in sourcing cities listed by the bank.
• Credit history: You’ll need a decent CIBIL score for easy approval.

Documents Required for Standard Chartered Credit Cards

When you apply, you’ll need basic KYC and income proof:

• Identity Proof: PAN, Passport, Voter ID, Aadhaar, or License.
• Address Proof: Utility bill, Passport, or Aadhaar.
• Photograph: Passport-sized photo.
• Financial Proof: Salary slip for employees; ITR or business proof for self-employed applicants.

How to Apply for Standard Chartered Credit Cards? 

The process is mostly straightforward:

1. Visit the SC India credit cards page.
2. Pick your preferred card.
3. Click “Apply Now” and enter your personal and work details.
4. Upload documents and complete video KYC if prompted.
5. Once verified, you can expect approval and instant virtual card access.

When my neighbor applied through this path, he was issued a virtual card (which became usable in under an hour after approval). That’s the kind of convenience digital banking now promises.

Check Standard Chartered Credit Card Application Status

You can track your card’s application status on the SC portal with your application number and registered mobile. It’s something I recommend doing instead of waiting for SMS updates.

How to Activate a Standard Chartered Credit Card? 

Activation can be done via customer care, internet banking, or the SC Mobile app. You might receive an OTP or be asked to confirm the first transaction: each card’s activation flow is simple and quick.

Access via Netbanking

Once your card is active, SC’s internet and mobile banking portals make maintenance easy: checking transactions, redeeming rewards, converting spends into EMI, and managing virtual card details. Secure login via password, OTP, or biometrics keeps things safe.

Customer Care Support

If you ever face issues, you can connect through their toll-free helpline, branch visits, chat, or email. Here are the common helpline numbers: 

Their FAQ page is also well laid out with common solutions.

Recent Updates and Devaluations

• Some lounge access perks, like those in the EaseMyTrip card, were limited or revised recently.
• Fee waivers and LTF promotions are sometimes labeled misleading by users, so double-check every claim before signing up.

Latest News

• SC launched its co-branded EaseMyTrip Credit Card, combining travel deals with flexible rewards.
• Instant virtual card issuance post-approval means you can start spending online even before the plastic arrives.

Domestic Lounge Access Status for SC Bank Credit Cards

Cards like the Ultimate and Visa Infinite allow complimentary domestic lounge visits, while the EaseMyTrip card currently offers 2 domestic entries each year. Per-visit limits or conditions can change, so check the latest on the official website. 

Search for Lounge Access Availability on Your Card by Clicking Here

FAQs about Standard Chartered Credit Cards

What’s the joining/renewal fee for the EaseMyTrip card?

₹350 + GST; waived if you spend around ₹50,000 annually.

What’s the foreign exchange markup on the Ultimate card?

About 2% on overseas spends.

How many reward points can I get on the Rewards Card?

4 points per ₹150 on general retail spends, with an additional 4 points if you cross ₹20,000 spend in a month.

Can I convert any spend into EMI?

Yes, eligible transactions above the required limit can use “Kuch Bhi on EMI” feature.

How is the Minimum Amount Due calculated?

It’s the higher of 5% of total due or all EMIs, interest, over-limit, and 1% of principal (or ₹250 minimum).

A Personal Note Before You Go Ahead & Pick a Card

Having juggled multiple credit cards over a decade, I’ve realized this: the best credit card is not the one with the flashiest perks: it’s the one that genuinely fits your lifestyle. In my home, where most expenses revolve around travel, groceries, and online shopping, the balance between rewards and simplicity matters most.

If you’ve ever felt overwhelmed by the technical jargon around fees and rates, just remember: use your card like a financial tool, not a trophy. Pay on time, spend within your capacity, and let rewards be a bonus, not a lure.