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Standard Chartered Platinum Rewards Credit Card
Standard Chartered • Visa

Standard Chartered Platinum Rewards Credit Card

Rewards-led Standard Chartered card with accelerated points in key lifestyle categories.

Annual Fee₹1000Annual fee waiver available on issuer-defined spend threshold
Base Reward0.5%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹-117Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,800

Assumes base reward rate only.

Annual fee₹1,000

Annual fee waiver available on issuer-defined spend threshold

Net value₹800

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

Shopping
2.0%
Dining
2.0%
Travel
1.5%
Basedefault
0.5%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

  • Standard Chartered Platinum Rewards Credit Card is best positioned as a shopping + dining specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 2.0% on shopping-aligned lanes, while broad base return remains closer to 0.5%.
  • No mapped complimentary lounge footprint currently contributes to card value, so spend economics are the primary decision factor.

Best Utilization

  • Route this card to shopping and dining spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 1,000 and reduce allocation if annual net value weakens.

Watchouts

  • points-value realization depends on redemption choice and transfer use
  • No complimentary lounge access is currently mapped for this card.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

  • Joining fee₹250
  • Annual fee₹1,000
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/point₹0.25
  • Travel value/point₹0.25
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count0
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows0
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports5
  • Approval reports3

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

Standard Chartered Manhattan

Annual fee: ₹999

Shared focus: Shopping, LifestyleHigher top earn rate (5.0%)Estimated +₹8,095/yr value
View Details
Step 2

Standard Chartered DigiSmart Credit Card

Annual fee: ₹588

Shared focus: Shopping, DiningHigher top earn rate (5.0%)Estimated +₹5,446/yr value
View Details
Step 3

Standard Chartered Super Value Titanium Credit Card

Annual fee: ₹750

Shared focus: LifestyleHigher top earn rate (5.0%)Estimated +₹1,672/yr value
View Details

Lounge match needs verification

Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.

Lounge Eligibility Checklist

Derived from card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for Standard Chartered Platinum Rewards Credit Card using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

Annual fee waiver available on issuer-defined spend threshold

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

Priority Pass benefit is not listed for this card.

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer

20,000
Estimated points20,000per year
→
Estimated redemption value₹5,000@ ₹0.25 / point

Typical voucher/cash-like path

Voucher / statement-style value

Illustration only. Final value depends on issuer program terms, partner ratios, and redemption availability at time of use.

Key Benefits

  • Reward points acceleration on selected categories
  • Fee waiver path based on annual spend
  • Entry-to-mid segment lifestyle proposition
  • Fuel surcharge waiver support

Things to Consider

  • Best value depends on redemption path and point conversion value
  • Accelerated categories are cap and MCC dependent
  • Not a high-lounge, premium-travel product

About Standard Chartered Platinum Rewards Credit Card

Standard Chartered Platinum Rewards Credit Card is a points card from Standard Chartered, best for users wanting a points card with moderate annual fee. It is tagged under rewards, shopping, dining, lifestyle categories in our database.

RewardsShoppingDiningLifestyle

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Frequently asked questions

Is Standard Chartered Platinum Rewards Credit Card lifetime free?

It has an annual fee of ₹1000. Annual fee waiver available on issuer-defined spend threshold

What rewards does Standard Chartered Platinum Rewards Credit Card offer?

Rewards-led Standard Chartered card with accelerated points in key lifestyle categories.

Does Standard Chartered Platinum Rewards Credit Card include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider Standard Chartered Platinum Rewards Credit Card?

Users wanting a points card with moderate annual fee

Where can I apply for Standard Chartered Platinum Rewards Credit Card?

Check the issuer website for application availability.