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REWARD POINTS CARD

Rewards Credit Card

Standard Chartered Bank

4 reward points per ₹150 on retail spends, plus 4 more per ₹150 on monthly retail spends above ₹20,000 (bonus capped at 2,000 points per cycle); 1 domestic lounge visit per quarter; 1% fuel surcharge waiver.

Fuel and cash withdrawals earn no points; Government and Insurance spends earn 1 point per ₹150; ₹99 redemption fee; annual fee ₹1,000 + GST unless reversed.

Rewards Credit Card
ANNUAL FEE
₹1,000 + GST
JOINING FEE
Not stated
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
4 reward points per ₹150 on retail spends, with 4 more per ₹150 on monthly retail spends above ₹20,000
BEST FOR
Included: May suit those spending above ₹20,000 a month on retail categories excluding Government, Insurance and Fuel.
Included: May suit regular retail spenders who spend above ₹20,000 a month and can use the bonus points.
Included: May suit those who want one complimentary domestic lounge visit per quarter.
Included: May suit those who prefer a card with no joining fee.
Limitation: Those whose spends are mainly fuel, Government or Insurance payments may wish to compare other cards.
Limitation: Those whose spends are mainly on fuel, Government or Insurance payments may wish to compare other cards.
Limitation: Those who want to avoid a ₹99 fee when redeeming reward points may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Annual fee is ₹1,000 + GST from the 2nd year, reversed on spends of ₹1,50,000 or more in the previous year.
Condition: If the fee is not reversed, 4,000 reward points are credited within 60 days of the fee being realised.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
18
Maximum age
65

Fees & ownership

Joining fee
Not stated
Annual / renewal fee
₹1,000 + GST
Fee waived at
Annual fee reversed on spends of ₹1,50,000 or more in the previous year
Forex markup
Not stated
Finance charge
Not stated
Cash withdrawal fee
Not stated
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
1 visit per year — 1 domestic lounge visit per calendar quarter (4 per year)
International airport lounge
Not stated
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Not stated
EVERYDAY
Fuel
1% fuel surcharge waiver on fuel spends; min transaction ₹400, max ₹2,000; waiver capped at ₹400 per month
Dining
Not stated
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
No points on fuel or cash withdrawals; Government and Insurance spends earn 1 point per ₹150; bonus excludes Government and Insurance.; Fuel transactions and cash withdrawals earn no reward points.
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
₹99
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: 4 reward points per ₹150 on retail spends, with 4 more per ₹150 on monthly retail spends above ₹20,000
Included: 4 reward points per ₹150 on retail spends; Government and Insurance spends earn 1 point per ₹150.
Included: 1% fuel surcharge waiver on fuel spends: transactions of ₹400 to ₹2,000, capped at ₹400 per month.
Included: Points can be redeemed at ₹0.25 each from the rewards catalogue or ₹0.20 each against the statement (minimum 1,000 points).
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.