Standard Chartered Credit Cards 2026 - All Cards, Eligibility & Charges

Update – August 2026: Around 4.5 lakh Standard Chartered credit card accounts moved across to Federal Bank migration on 31 July 2026. Roughly 1.9 lakh accounts stayed. If your card migrated, read what happens to your Standard Chartered credit card after the 31st July migration. If you're shopping for a new SC card, keep reading.

Standard Chartered is a smaller card issuer in India than HDFC or Axis, and after selling most of its card book to Federal Bank, it's smaller still. That's worth knowing before you apply, because it shapes what the bank now optimises for: fewer cards, aimed at people who already bank with SC.

Nine cards are currently priced on SC's own tariff schedule. Here's the full lineup, what each one costs, and the fee and forex numbers.

All Standard Chartered Credit Cards

Standard Chartered is a much smaller issuer than HDFC, Axis or SBI Card, and its lineup reflects that: nine cards on paper, but only a handful anyone actually applies for.

Here are the five popular cards worth checking out.

Standard Chartered also still prices four other smaller cards. Platinum Rewards (₹250 + GST) is the cheapest entry into SC's rewards, at 5 points per ₹150 on dining and fuel. DigiSmart (₹49 + GST a month) with category discounts on Myntra, Zomato and Uber.

Super Value Titanium and Manhattan Platinum still appear on SC's list but aren't being pushed to new applicants; cardholders in the TechnoFino community report SC has largely stopped sourcing cards for people who don't already bank with it.

Priority Visa Infinite deserves a separate mention because it's the one genuinely lifetime-free card in the range, with no joining or annual fee at all. But it’s bundled into Priority Banking with SC.

Only looking at Standard Chartered? See how it stacks up against every other issuer →

Standard Chartered Credit Card Eligibility

Standard Chartered Beyond credit card is an exception here. Applicant’s age should be between 18 and 65 years, live in a city where SC sources applications, and must hold ₹50 lakh or more in Funds Under Management with the bank.

FUM can combine savings balances, term deposits, investments routed through SC, life insurance premiums on active policies, and the market value of a demat holding with the bank.

Two conditions matter more at Standard Chartered than they would at a larger issuer.

The sourcing-city restriction is real and narrow. SC operates around 100 branches across roughly 40 Indian cities, which is a fraction of what HDFC or SBI Card cover.

The banking relationship requirement has tightened noticeably. Cardholders report that SC has moved towards issuing mainly to existing account holders. If you're new to the bank, opening a savings account first is a more realistic path than applying cold.

If you aren’t sure where your profile stands, our guide on how to check your credit card eligibility in India walks through what issuers weigh beyond the salary number.

Standard Chartered Credit Card Charges and Fees

The ₹99 redemption fee is charged per redemption. On a card earning 0.5%, you need about ₹19,800 of spending just to cover the cost of cashing out once. Batch your redemptions rather than trickling them.

Standard Chartered EaseMyTrip Credit Card: Annual Fee, Forex Markup and Lounge Access

Now the part the numbers don't say on their own.

Standard Chartered EaseMyTrip card is essentially a domestic travel card. The 3.5% on foreign currency costs ₹3,500 (plus ₹630 of GST) if you spend ₹1L abroad. The card's international benefit is 10% off an international flight, but it’s capped at ₹5,000 once a month. So, you don’t get much benefit out there.

If international travel is the reason you're looking at this card, it's a wrong one. Compare it against the credit cards for international travel and low forex markup before you apply.

Used domestically, the maths works in your favour. Two lounge visits at a typical ₹1,200 walk-in rate is roughly ₹2,400 of value. The 20% hotel discount, capped at ₹5,000 on domestic bookings and usable once a month, is genuinely the strongest thing on this card.

The 10x accelerated rate only fires on standalone airline and hotel sites, identified by merchant category codes. Bookings made on EaseMyTrip itself earn the base 2 points per ₹100, not 10.

Also, the EaseMyTrip discounts need a promo code EMTSCB entered at payment. They don't apply automatically.

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

Which Standard Chartered Card Should You Get?

If you spend online and want cashback rather than points, take the Smart card. At ₹499 plus GST it returns 2% on online spends up to ₹1,000 a month and 1% offline up to ₹500. That's ₹18,000 a year at full utilisation against a ₹589 all-in fee, and the fee waiver is ₹1.2 lakh of annual spend.

If you book domestic travel through EaseMyTrip more than twice a year, take the EaseMyTrip card. The fee is trivial and the hotel discount alone repays it on a single booking. Keep a different card for anything you buy in foreign currency.

If you already bank with Standard Chartered and want your first card, take the Rewards credit card. The first year costs you nothing at all. Decide in month eleven whether the ₹1,000 renewal is worth it. At roughly 0.25% to 0.5% effective, it usually isn't (unless you're clearing the waiver).

If you travel internationally, take the Ultimate card. At 3.33% effective, the ₹5,900 all-in fee breaks even at about ₹1.8L of annual spend, and the 2% forex markup is better than most cards.

If you hold ₹50 lakh with the bank, the Beyond card is worth taking. The fee is a non-issue, since FUM qualification waives it. You get unlimited domestic and international lounge access plus eight guest visits, 3.33% base rate and two golf games a month.

Below ₹50 lakh FUM, a ₹29,500 renewal for a 3.33% card is not defensible when ICICI Emeralde and comparable cards cost a fraction of it.

Standard Chartered Card Devaluations: What Changed

The largest change was the transfer of roughly 4.5 lakh credit card accounts to Federal Bank, following a deed of assignment executed in April 2026. Credit limits, outstanding balances and accumulated reward points all moved.

Before that, the EaseMyTrip card took a sharp cut on 15 October 2024. Domestic lounge access dropped from four visits a year (one visit per calendar quarter) to two visits a year. Complimentary international lounge access also ended, and SC stopped issuing Priority Pass with the card.

For the broader picture across issuers, our tracker on the great Indian credit card devaluation of 2026 logs every major change this year.

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.

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.

Customer Care Support

If you ever face issues, you can connect through their helpline (from 8 AM to 8 PM): 66014444 (add STD code) or 080-49248444 or 044-47628444. Emergency services like reporting a lost card, unauthorised transaction, charge dispute, and stopping payment are serviced.

Priority Banking and Beyond card clients enjoy exclusive 24x7 access through 66012424 (add STD code) or 080-49248000 or 044-47628000.

FAQs about Standard Chartered Credit Cards

What is the forex markup fee on the Standard Chartered EaseMyTrip Credit Card?

The EaseMyTrip card charges 3.5% on all foreign currency transactions, plus GST on that markup.

What is the annual fee of the Standard Chartered EaseMyTrip Credit Card?

The annual fee is ₹350 plus GST, which is ₹413 all in, and it's reversed if you spend ₹50K or more in the previous card year.

What is the foreign currency markup on Standard Chartered credit cards?

Standard Chartered charges 3.5% on overseas transactions across its card range. Two cards – Ultimate and Beyond – are cheaper at 2%. The markup applies to overseas ATM withdrawals and to any merchant registered abroad, even one operating physically in India.

Did Standard Chartered stop issuing credit cards in India?

No. Standard Chartered sold about 4.5 lakh credit card accounts to Federal Bank, completing on 31 July 2026, but it retained roughly 1.9 lakh accounts and continues to issue cards. It launched the premium Beyond Credit Card in December 2025. What has changed is who it issues to. It largely sources applications from those who already hold a Standard Chartered account.

Which Standard Chartered credit card is lifetime free?

The Priority Visa Infinite credit card carries no joining or annual fee, but it's only available to Priority Banking clients. The Rewards credit card currently has no fee in year one, but then charges ₹1,000 annually.

What is the minimum salary for a Standard Chartered credit card?

Based on fee tiers and comparable issuers, expect roughly ₹3 lakh a year for entry-level cards of Standard Chartered. The Beyond Credit Card requires ₹50 lakh in Funds Under Management with the bank. Location matters as much as income here, since SC only sources applications in around 40 cities.

How do I get the annual fee waived on a Standard Chartered credit card?

Each card has its own spend threshold in the preceding anniversary year: ₹50K for EaseMyTrip, ₹1.2L for Smart, ₹1.5L for the Rewards card, and ₹4L for Ultimate. The Beyond card waives its fee on Funds Under Management rather than spend. Our guide to credit card fee waivers in India covers what to do if you miss the threshold.

Disclaimer

This article is for informational purposes only and does not constitute financial advice. Eligibility criteria, fees and product features mentioned are accurate to the best of our knowledge as of August 2026, but they can change without notice at the issuer's discretion. Please read the latest Most Important Terms and Conditions (MITC) on the Standard Chartered Bank website and consult a certified financial advisor before applying for any credit card.