Meet these thresholds and you're likely to be approved. Final call is Standard Chartered's.
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
Plays grounded in this card's specific levers. Updated each time Standard Chartered tweaks the program.
Weekend dining shifts base 3 RP/₹100 to 5 RP/₹100 — 5% effective at 1 RP = ₹1. A ₹5,000 Saturday dinner returns 250 RP versus 150 RP on a weekday. Move group meals, anniversaries and celebrations into Saturday–Sunday windows.
Forex spend earns 5 RP/₹100 (5%) but carries a 3.5% markup — net 1.5% after markup, richer than most cards' post-markup returns. On a ₹5 lakh Europe trip, net 1.5% is ₹7,500 RP after the ₹17,500 markup is absorbed.
Benefit resets monthly at 2+2 visits — carrying forward isn't allowed, so unused slots evaporate. Annualised that's 24 domestic + 24 international. Route the primary AND supplementary card through Priority Pass to max a family's monthly allowance.
Golf benefit is 1 complimentary green fee OR 1 lesson per calendar month, not carried forward. Booking 12 rounds annually at ₹3,000-₹5,000/round preserves ₹36,000-₹60,000 of green fees per year — a direct offset against the zero-fee card.
Redemption catalogue clears at 1 RP = ₹1 with a 1,000-point minimum and a ₹99 fee per redemption. Points expire 3 years from accrual — plan bulk redemptions annually to dilute the ₹99 fee (0.99% drag at 10,000 points vs 9.9% at 1,000).
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
Charges below are base amounts; GST applies where applicable.
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
24 domestic + 24 international visits per year via Priority Pass. Primary cardholder.
Air accident cover, lost-card liability, emergency card replacement abroad.
Yes — joining and annual fee are both ₹0 for eligible Priority Banking clients, and supplementary cards are also zero-fee. But eligibility isn't universal: you must maintain ₹50 lakh average monthly Funds Under Management with SC or credit ₹3 lakh monthly salary into your SC salary account.
Last verified 2026-04. Sources: Issuer website, CardExpert, PaisaBazaar. Next scheduled review: 6 months from last update.
