Standard Chartered India · Scored card guide

Standard Chartered Rewards

First-year catalogue reward value after redemption threshold and fee. This is a one-category monthly estimate, not a guaranteed account return.

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Where it pays

4 points/₹150 eligible retail, excluding fuel, government and insurance; 1 point/₹150 government and insurance. Bonus 4 points/₹150 on retail spend above ₹20,000 per cycle, capped at 2,000 bonus points. Model assumes this one category is the whole cycle, uses the ₹0.25/point issuer catalogue value (not cash), counts points only once 1,000-point redemption minimum is reached over 12 months, and deducts one ₹99 redemption fee. The ₹0.20/point statement-adjustment option is not modeled. ₹0 joining fee in year one; ₹1,000 + GST from year two, waivable with ₹1.5 lakh prior-year spend. The calculator shows first-year fees, so neither year-two fee nor optional 4,000 renewal points is counted. Fuel surcharge waiver and rent charges omitted. Tariff: https://www.sc.com/in/credit-cards/tariffs-and-charges/ .

Modeled first-year cost: ₹0 plus estimated 18% GST on the card fee; one ₹99 reward redemption handling charge is deducted in the modeled value when points can be redeemed. Cash redemption and welcome benefits are not assumed.

Issuer source

https://www.sc.com/in/credit-cards/rewards-credit-card/

Checked 27 Sep 2026. Confirm current issuer terms and the value of actual catalogue items before applying.

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