Standard Chartered Credit Cards 2026
Foreign bank offering cashback, rewards and travel cards in India. Compare 5 cards by fees, rewards, lounge access and eligibility, plus customer care and bill payment details.
Card terms checked 30 September 2026Standard Chartered credit cards
Best Standard Chartered card by need
| Need | Card | Annual fee | Why |
|---|---|---|---|
| Cashback | Standard Chartered Smart | ₹499 | Online shoppers wanting simple cashback; 0.99%/month 3-month EMI |
| Rewards | Standard Chartered Ultimate | ₹5,000 | High flat reward rate on all spends |
| Travel | Standard Chartered Ultimate | ₹5,000 | High flat reward rate on all spends |
| Lounge access | Standard Chartered Ultimate | ₹5,000 | High flat reward rate on all spends |
| Shopping | Standard Chartered Smart | ₹499 | Online shoppers wanting simple cashback; 0.99%/month 3-month EMI |
| Premium | Standard Chartered Ultimate | ₹5,000 | High flat reward rate on all spends |
Compare all Standard Chartered cards
| Card | Joining / annual fee | Reward rate | Lounge | Forex markup | Net value on ₹3 lakh/yr spend* |
|---|---|---|---|---|---|
| Standard Chartered Ultimate | ₹5,000 / ₹5,000 | 3.33% base value | 4 domestic lounge visits/quarter; 1 international (Priority Pass) per… | 2.00% | ₹4,090 |
| Standard Chartered Beyond | ₹15,000 / ₹25,000 | 3.33% base value | Unlimited domestic lounge visits + 4 guest visits/year; international… | 2.00% | -₹19,510 |
| Standard Chartered Smart | — / ₹499 | 1.00% base value | — | — | ₹3,000 |
| Standard Chartered Rewards | Free / ₹1,000 | 0.67% base value | Up to 4 domestic lounge visits/year (1 per quarter) | — | ₹2,010 |
| Standard Chartered EaseMyTrip | — / ₹350 | See card page | 2 domestic lounge visits per calendar year | — | — |
* Base reward value on ₹3 lakh of yearly spends minus annual fee + 18% GST (fee treated as waived when the published waiver threshold is ₹3 lakh or less). Accelerated categories, caps and exclusions change the real value — see each card page.
Customer care
| Service | Number |
|---|---|
| Personal banking phone banking (prefix city STD code; 8 metros) | 6601 4444 / 3940 4444 |
| Personal banking (alt.) | 080 4924 8444 / 044 4762 8444 |
| Priority Banking & Beyond card | 6601 2424 / 080 4924 8000 / 044 4762 8000 |
| Premium Banking | 6601 1500 / 080 4924 8500 / 044 4762 8500 |
Bill payment
- SC online banking / SC Mobile
- NEFT: IFSC SCBL0036001 (Standard Chartered, MG Road, Mumbai), account = card number (paisabazaar - verify)
- BillDesk ’CardNet’ (pgi.billdesk.com)
- Visa Money Transfer / debit card
- UPI / BBPS apps
- Cheque at branch / drop box
Eligibility
| Criterion | Standard Chartered |
|---|---|
| Age | 18/21-65 (card-specific) |
| Income | Stable monthly income; card-specific |
| Documents | Identity proof, PAN, Address proof, Photograph, Salaried: latest salary slip; self-employed: ITR + business continuity proof |
Frequently asked questions
Which Standard Chartered credit card is best?
It depends on how you spend. By base reward value, Standard Chartered Ultimate ranks first among the cards we track; for no fees, look for fee-waiver conditions. Use the comparison table and the value calculator on each card page.
What is the Standard Chartered credit card customer care number?
Personal banking phone banking (prefix city STD code; 8 metros): 6601 4444 / 3940 4444; Personal banking (alt.): 080 4924 8444 / 044 4762 8444.
How do I pay my Standard Chartered credit card bill?
SC online banking / SC Mobile; NEFT: IFSC SCBL0036001 (Standard Chartered, MG Road, Mumbai), account = card number (paisabazaar - verify); BillDesk ’CardNet’ (pgi.billdesk.com).
What is the eligibility for a Standard Chartered credit card?
Age 18/21-65 (card-specific). Income: Stable monthly income; card-specific.
Compiled from Standard Chartered’s published card terms and reputable card-review sources (per-card source and date on each card page). FinancePortal is not affiliated with Standard Chartered.