Is the Standard Chartered Smart Card lifetime free?

The Smart Credit Card has a joining fee of ₹499 which is waived on making one transaction in the first 90 days. From the second year, the annual fee of ₹499 is waived on ₹1.2 lakh annual spend. Effectively free for regular users.

What is the Ultimate Credit Card's reward rate?

The SC Ultimate earns 5 Reward Points per ₹150 spent (3.3% effective rate at ₹1 per RP). Points can be transferred to airline programmes at 1 RP = 1 airline mile for Singapore Airlines KrisFlyer, British Airways Avios, and Etihad Guest. This makes it among the best travel rewards cards in India for the ₹5,000 fee bracket.

Which is Standard Chartered's cheapest card?

The DigiSmart card has the lowest joining fee at ₹49 + GST (₹588 + GST renewal), making it the most accessible entry point into the SC lineup, aimed at digital-first shoppers and diners.

Is the Priority Visa Infinite invite-only?

Priority Visa Infinite carries no joining or renewal fee but is typically extended to Standard Chartered Priority Banking relationship customers rather than the general public - check with your relationship manager if you hold a Priority Banking account.

Standard Chartered Emirates World or Ultimate - which for international travel?

Emirates World (₹3,000 + GST) is built specifically around Emirates Skywards miles and is the better fit if you fly Emirates regularly; Ultimate (₹5,000 + GST) offers broader flexibility across Singapore Airlines, British Airways, and Etihad, better suited if your travel isn't tied to one airline.

Standard Chartered Bank Credit Cards

Standard Chartered - Smart Cashback & Travel Cards

Est.1858 (India operations: 1858)HQLondon, UK (India: Mumbai)10 Cards Available

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Total Cards

Avg. Joining Fee

₹1,090

About This Bank

Standard Chartered Credit Cards in India - 2026

Standard Chartered runs a 10-card India portfolio spanning a ₹49 entry-level digital card up to an invite-oriented Priority Banking product, covering cashback, travel rewards, airline co-branding, and shopping/dining categories.

Standard Chartered Cards Compared

Card	Annual Fee	Reward Type	Best For
DigiSmart	₹49 + GST (₹588 renewal)	Vouchers & Discounts	Cheapest entry point, digital shopping
EaseMyTrip	₹350 + GST	Reward Points	Travel booking rewards
Platinum Rewards	₹250 + GST	Reward Points	Low-fee dining and fuel rewards
Smart	₹499 + GST (waivable)	Cashback	2% online cashback, e-commerce spend
Rewards	Nil joining, ₹1,000 renewal	Reward Points	Shopping and travel rewards
Manhattan	₹999 + GST	Reward Points & Cashback	Shopping and dining combined rewards
Super Value Titanium	₹750 + GST	Reward Points & Cashback	Fuel and utility spending
Emirates World	₹3,000 + GST	Air Miles & Travel Points	Emirates Skywards frequent flyers
Ultimate	₹5,000 + GST	Reward Points & Cashback	Flagship, multi-airline travel rewards
Priority Visa Infinite	Nil	Reward Points	Priority Banking relationship holders

Entry & Digital: DigiSmart (₹49 joining) is the cheapest way into the SC lineup; EaseMyTrip and Platinum Rewards sit just above it for travel-booking and dining/fuel rewards respectively.

Cashback & Everyday: Smart (2% online cashback), Rewards, and Manhattan cover general shopping, dining, and combined reward-plus-cashback structures at modest annual fees.

Fuel & Utilities: Super Value Titanium is SC's dedicated fuel/utility-spend card at ₹750 renewal.

Travel & Premium: Emirates World is the airline-specific choice for Emirates Skywards flyers; Ultimate is the flagship for broader multi-airline flexibility (Singapore Airlines, British Airways, Etihad); Priority Visa Infinite is fee-free but generally reserved for Priority Banking customers.

Global Presence Benefit

TravelInternational SpendsPremium

Eligibility Guide

Min. Income

₹3 lakh p.a.

CIBIL Score

700+

Age Range

21-65 years

Eligibility for Standard Chartered Credit Cards

Age: 21-65 years
Income: ₹3 lakh p.a. (Smart); ₹6 lakh+ (Journey/Ultimate)
Credit Score: 700+ recommended
Employment: Salaried or self-employed

Applications at sc.com/in or at Standard Chartered branch offices (available in major metros). Foreign bank status means limited branches but good digital-first process.

All Standard Chartered Bank Credit Cards

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Standard Chartered DigiSmart Credit Card

The Standard Chartered DigiSmart Credit Card is designed for millennials and new credit users who frequently shop, dine, watch movies, and travel onli...

Joining Fee:

₹49 + GST

Renewal Fee:

₹588 + GST

Reward Type:

Vouchers & Discounts

ShoppingDiningTravel

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Standard Chartered EaseMyTrip Credit Card

The Standard Chartered EaseMyTrip Credit Card is a co-branded travel credit card designed for individuals who frequently book travel, particularly thr...

Joining Fee:

₹350 + GST

Renewal Fee:

₹350 + GST

Reward Type:

Reward Points

TravelShopping

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Standard Chartered Emirates World Credit Card

The Standard Chartered Emirates World Credit Card is a co-branded premium travel card designed for frequent Emirates flyers. It offers accelerated Sky...

Joining Fee:

₹3,000 + GST

Renewal Fee:

₹3,000 + GST

Reward Type:

Air Miles & Travel Points

TravelInternational SpendsPremium

Standard Chartered Manhattan Credit Card

The Standard Chartered Manhattan Credit Card is an affordable card offering significant savings. It provides an assured 5% cashback on groceries, supe...

Joining Fee:

₹999 + GST

Renewal Fee:

₹999 + GST

Reward Type:

Reward Points & Cashback

ShoppingDining

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Standard Chartered Platinum Rewards Credit Card

The Standard Chartered Platinum Rewards Credit Card is an entry-level offering designed for individuals seeking to build credit or maximize rewards on...

Joining Fee:

₹250 + GST

Renewal Fee:

₹250 + GST

Reward Type:

Reward Points

DiningFuel

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Standard Chartered Priority Visa Infinite Credit Card

The Standard Chartered Priority Visa Infinite Credit Card is an exclusive offering for Priority Banking clients, providing a rewarding experience with...

Joining Fee:

Nil

Renewal Fee:

Nil

Reward Type:

Reward Points

International SpendsTravelShopping

Apply Now

Standard Chartered Rewards Credit Card

The Standard Chartered Rewards Credit Card is an excellent entry-to-mid-range option for individuals who frequently make retail purchases. It offers a...

Joining Fee:

Nil

Renewal Fee:

₹1,000 + GST

Reward Type:

Reward Points

ShoppingTravel

Apply Now

Standard Chartered Smart Credit Card

The Standard Chartered Smart Credit Card is an entry-level cashback card designed for new credit users and those seeking to maximize savings on everyd...

Joining Fee:

₹499 + GST

Renewal Fee:

₹499 + GST

Reward Type:

Cashback

ShoppingUtilities

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Standard Chartered Super Value Titanium Credit Card

The Standard Chartered Super Value Titanium Credit Card is ideal for individuals with high spending on fuel, telephone, and utility bills, offering a ...

Joining Fee:

₹750 + GST

Renewal Fee:

₹750 + GST

Reward Type:

Reward Points & Cashback

FuelUtilitiesPremium

Apply Now

Contact Standard Chartered Bank Directly

Toll-free numbers, email, WhatsApp support, and grievance redressal contacts.

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Frequently Asked Questions

Clear, concise answers to help you understand this card better.