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Platinum Rewards Credit Card- the best rewards credit card by SC
  1. Credit Cards
  2. Platinum Rewards Credit Card

Get Lifetime free* Platinum Rewards Credit card

And enjoy 5X rewards on fine dining and fuel spends with no limit on monthly rewards earned

Platinum Rewards Credit Card Benefits
  • Get

    reward points for every INR 150 spent at fine-dining outlets

  • Get

    reward points for every INR 150 spent on fuel

  • Get

    reward points for every INR 150 spent on other categories

Detailed Benefits of Platinum Rewards Card

5x reward points

The Platinum Rewards card lets you earn 5 reward points for every INR 150 spent on dining and fuel with no monthly cap on the rewards earned. Terms and conditions apply.

1x reward point

Earn 1 reward point, with the best rewards credit card by SC, for every INR 150 spent on all other categories. Terms and conditions apply.

No documentation required

Get instant approval on your application without any documentation.

Zero Annual and Joining Fees*

*Spend of Rs 500 or more within 30 days from card issuance to avoid levy of onetime fee of INR 250 + GST.

Features of Platinum Rewards Credit Card

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  • Applicant’s age should be between 21 and 65 years.
  • Minimum age for add-on cardholder is 18 years.

Monthly Income

  • Applicants should have a stable monthly income.

Other Requirements

  • Applicants should belong to credit card sourcing cities/locations of the Bank.
  •  All applications are subject to credit and other policy checks of the Bank.

You will need

  • Identity Proof (Any One of the following Photo cards): Passport, Voter Id Card, Govt ID, etc..
  • PAN Card
  • Address Proof (Any One of the following documents with current residence address): Aadhaar Card, Passport, Driving License, Election/Voter’s ID Card, Job card issued by NREGA duly signed by an officer of the State Government, The letter issued by the National Population Register containing details of name, address.
  • 1 recent passport-sized Photograph

Financial documents for salaried

  • Latest one month salary slip

Financial documents for self employed

  • Self Employed Businessmen: Latest IT Returns with computation of income /Certified Financials, Last Business Continuity proof.
  • Self Employed Professionals: Latest IT Returns, Business Continuity proof.

Zero Annual and Joining Fees*

*Spend of Rs 500 or more within 30 days from card issuance to avoid levy of onetime fee of INR 250 + GST.

*This offer will only be applicable to those who have submitted the credit card application electronically through the digital channel as prescribed by Bank. No joining benefits. Offer not applicable for existing credit card holders.
Annualized Percentage Rate: Monthly interest rate for Platinum Rewards credit card is 3.75% pm (APR of 45%). The monthly interest rate is annualized to arrive at the Annualized Percentage Rate (APR).

Yes, you can apply for a virtual card for the Platinum Rewards credit card. Once your credit card is approved, you can avail of and use your virtual card details. To know more, click here.

You can easily apply for the Platinum Rewards credit card through the following steps:
Click here to go to the online application page.
● Fill in the required details and click ‘Proceed’.
● Fill the application form and submit your application.

Once your application form is submitted, you will be contacted by our official in-charge and your documents will be verified. You will receive your credit card after the verification process is completed.

The main benefits of Platinum Rewards credit card include the following:
● Earn 5 reward points for every INR 150 spent on dining.
● Earn 5 reward points for every INR 150 spent on fuel.
● Earn 1 reward point for every INR 150 spent on all other categories.
● Exclusive offers and discounts across shopping, travel, dining and more.

Reward points are one of the incentives banks provide to its customers when they use their credit cards. With Standard Chartered’s Platinum Rewards credit card, you can earn reward points for every INR 150 you spend to make a purchase, either online or offline, making it the best credit card for the same. As you gain more reward points, you can redeem them for a wide variety of vouchers, gift cards and much more.

When you shop with a Platinum Rewards credit card, you are bound to earn reward points on almost anything you purchase. For dining and fuel expenditure you gain accelerated rewards, which comes to about 5x reward points for every INR 150 you spend. For every other category, you can earn 1x reward points for the same amount spent on purchases.

● Online – Login to Standard Chartered netbanking portal and choose options such as gift vouchers or retail items, for which you can redeem your reward points.
● Customer care – Contact our customer care service and gain assistance with the reward redemption process.

The Platinum Rewards credit card comes with comfortable fee rates. In the first year, you are required to pay only INR 250. The renewal fee, which commences from the 2nd year onwards, is also INR 250.

While there is a first year and renewal fee for the Platinum Rewards credit card, this is not a requirement for its supplementary cardholders. Joining offers are also not applicable for supplementary cards.

The Standard Chartered Dial-a-Loan feature is available for Platinum Rewards credit card users. You can avail loan amounts* up to INR 5,00,000 and enjoy a flexible tenure on your repayment, ranging between 12 and 60 months.

You can earn 5x reward points on every INR 150 spent on dining or on fuel expenditure as well as 1x reward points on the same amount for purchases made in all other categories with no monthly limit to your reward points.

● You will want to redeem your reward points and vouchers before their expiry dates.
● Vouchers may cost more than their actual worth in order to be redeemable.

Reward points can enhance your lifestyle in the following ways:
● You can use your reward points to book flights or hotel stays.
● You can redeem points with vouchers and items from assorted catalogues.

VKYC, or simply Video KYC, is a feature that allows you to complete your KYC through a video from the comfort of your home while applying online for a Standard Chartered credit card, personal loan, or savings account. With this feature, our application process becomes even more simpler and completely contactless. Click here to learn more.

Credit card transactions with Merchant Category Code (MCC) 6513, 7349 are covered under Rental Payments.

A Merchant Category Code (MCC) is a four-digit number assigned to a merchant/business by the merchant’s acquiring bank. These are defined by networks e.g. Visa, MasterCard.

A processing fee of 1% (plus taxes) would be applicable to all rental transactions. This fee will be over and above any charges applied by the merchant as communicated to the client at the time of transaction.

For example – If you pay INR 20,000 on a third-party rent payment platform using your Standard Chartered Bank Credit Card, 1% of transaction amount i.e. INR 200 plus taxes will be charged as a processing fee

Processing fee on rental payments will be effective from April 02, 2023.

The processing fee will be levied by 15th of the next calendar month and will have a separate narration in the monthly statement.

One Time of INR 250 + GST will be levied if the client doesn’t make a retail transaction of INR 500 or more within 30 days from card issuance. One-time fee is charged in subsequent statement after 60 days completion of Card Set up Month. Example: If the card is set up month is Jan 23, then one time would be charged in statement of April 23.

Rewards Points on Other Restaurants & Fuel Spends (Avg INR 60,000 per Year – 5 Reward Point per INR 150) INR 500
Rewards Points on Other Annual Spend (Avg INR 1,80,000 per Year – 1 Reward Point per INR 150) INR 300

For details, please click here
For details, please click here
EaseMyTrip Credit Card