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In rewards card hot air balloon
  1. Credit Cards
  2. Rewards Credit Card

What goes around, comes around 4X times

Enjoy more reward points on the Standard Chartered Rewards Credit Card

More the spends, more the rewards
  • Earn 4X rewards on all retail spends* +
    additional 4X rewards*

    on monthly retail spends* above INR 20,000

  • Enjoy
    No Joining Fee*
  • Get complimentary
    Lounge access*

    1 per calendar quarter

Rewards Credit Card Benefits

4X Rewards

4 reward points* per INR 150 on all Retail spends (except Government, Insurance and Fuel categories)

Bonus Rewards

Additional 4 reward points per INR 150 on monthly Retail spends* above INR 20,000 (max. 2000 bonus reward points per statement cycle)

First Year Free Card

No joining fees. 2nd Year onwards the annual fees to be reversed on spends of INR 1,50,000 or more in the previous year. Alternatively, client will be entitled to receive 4000 reward points* on payment of Annual Fees.

Complimentary Lounge Access

1 Domestic Lounge Visit* per calendar quarter (4 per year)
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Other Credit Card Features


  •  Applicant’s age should be between 18 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.

Joining Fee
No Joining Fee
Annual Fees
INR 1000 + GST

Renewal fees will be reversed on spends of INR 1,50,000 or higher in previous year using Rewards Credit Card

Yes, existing credit cardholders can also apply for the Rewards Credit Card by authenticating their existing card with an INR 1 transaction via sc.com/in

Joining Fee is NIL. Annual Fee for the Rewards Credit Card is INR 1000 +GST with a fee reversal on spends of INR 1,50,000 in the previous year

Client is entitled to receive 4000 reward points within 60 days of realization of fees by the Bank. Please note that client will receive the mentioned reward points only if he/she does not receive the spend-based annual fee reversal.

Transactions Reward Points
Every INR 150 spent on Retail transactions 4 Reward Points
Every INR 150 spent on Government and Insurance categories 1 Reward Point

Bonus reward points are applicable on achieving monthly retail spends of INR 20,000 and above in all categories, except Government and Insurance payments. A client can earn additional 4 reward points per INR 150* spent on Retail categories* for monthly spends above INR 20,000.

Fuel transactions are not eligible for reward points.

Cash withdrawal transactions are not eligible for reward points.

  • 1 RP = INR 0.25 (for redemption from Rewards catalogue)
  • 1 RP = INR 0.20 (for adjustment against Statement outstanding balance)

Yes, a minimum of 1000 Reward points is required to redeem.

There is no cap on the base reward points. However, the bonus reward points (i.e. on spends above INR 20,000) are capped at 2000 points.

Client can view his/her Reward Points on the 360 Rewards portal. To view, log in to Online Banking and proceed to the 360 Rewards portal or log in directly: https://retail.sc.com/in/rewards360/rewards_home/in

Reward points earned on transactions done using the Rewards Credit Card prior to the statement generation date will reflect on the same month’s statement and on the 360 Rewards portal. Bonus reward points earned for a statement cycle will be credited within 2-3 days from statement generation date.

Yes, there is a redemption fee of INR 99/- (Rupees Ninety-Nine Only) on redeeming reward points.

 Yes, clients can earn reward points on transactions converted into EMI.

The minimum transaction amount is INR 400. The maximum transaction amount is INR 2000. Fuel Surcharge Waiver amount is capped at INR 400 per month.

With the Rewards Credit Card, client can avail 1 complimentary domestic airport lounge visit per quarter.

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.

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