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Standard Chartered Credit Cards
All 6 currently issued Standard Chartered credit cards in India compared — fees, reward rates, lounge access and who each card actually suits.
6Cards covered
₹250Lowest fee
4.5/5Top-rated card
Overview
Choosing the right Standard Chartered card
Standard Chartered's India lineup ranges from a near-free entry-level rewards card to a premium card with Priority Pass lounge access and monthly golf privileges. Several cards are positioned around everyday categories like groceries, dining, fuel and app-based discounts rather than travel. Use the grid below to open a full review of any card, or scroll down for a side-by-side comparison.
All cards
Compare every Standard Chartered card
Credit Card
Standard Chartered Ultimate
★★★★☆ 4.3/5
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Credit Card
Standard Chartered Rewards
★★★½☆ 3.9/5
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Credit Card
Standard Chartered Platinum Rewards
★★★★☆ 4.0/5
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Credit Card
Standard Chartered Manhattan Platinum
★★★½☆ 3.9/5
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Credit Card
Standard Chartered Smart
★★★½☆ 3.7/5
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Credit Card
Standard Chartered DigiSmart
★★★½☆ 3.8/5
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Side by side
Fee and rating comparison
| Card | Type | Joining fee | Rating | Best for |
|---|---|---|---|---|
| Standard Chartered Ultimate | Credit Card | ₹5,000 + GST | 4.3/5 | High spenders who want a strong flat reward rate plus lounge and golf access without an ultra-premium fee |
| Standard Chartered Rewards | Credit Card | Nil | 3.9/5 | Regular spenders who can comfortably cross ₹20,000 a month and want a no-joining-fee rewards card |
| Standard Chartered Platinum Rewards | Credit Card | ₹250 + GST (waived on ₹500 spend within 30 days) | 4.0/5 | First-time cardholders and dining/fuel-heavy spenders who want an effectively free card |
| Standard Chartered Manhattan Platinum | Credit Card | ₹999 + GST | 3.9/5 | Spenders who want assured grocery cashback alongside category rewards on hotels, dining and fuel |
| Standard Chartered Smart | Credit Card | Low introductory fee, typically waived on a modest spend within 30 days (confirm current offer at application) | 3.7/5 | Online shoppers who want simple, uncapped flat-rate cashback without tracking bonus categories |
| Standard Chartered DigiSmart | Credit Card | ₹250 + GST (waived on ₹500 spend within 30 days) | 3.8/5 | Younger, first-time cardholders who spend regularly on food delivery, cabs, fashion apps and movies |
Common questions
FAQs
How many credit cards does Standard Chartered currently offer in India?
As of 2026, Standard Chartered actively issues six credit cards in India: Ultimate, Rewards, Platinum Rewards, Manhattan Platinum, Smart and DigiSmart. Older co-branded cards like Emirates World are no longer being sourced for new applicants.
Which Standard Chartered card has the lowest fee?
DigiSmart has zero annual fee, and Platinum Rewards charges just ₹250 plus GST with both the joining and renewal fee easily waived on minimal spend, making them the most accessible cards in the lineup.
Which Standard Chartered card is best for airport lounge access?
The Ultimate Credit Card offers the strongest lounge package, with a complimentary Priority Pass membership plus 4 domestic visits a quarter. The Rewards card offers 1 domestic visit a quarter, while Platinum Rewards, Manhattan Platinum, Smart and DigiSmart don't include lounge access.
Is Standard Chartered available in every Indian city?
No. Standard Chartered issues credit cards only in its designated sourcing cities, generally metros and large Tier-1/Tier-2 cities. Always confirm current availability for your city on the official Standard Chartered India website.
Which Standard Chartered card has the best reward rate?
The Ultimate Credit Card's 3.33% flat value-back across most categories is the strongest broad rate, while Platinum Rewards' uncapped 5x rate on dining and fuel can beat it for spenders concentrated in those two categories.
Which Standard Chartered card is easiest to get the annual fee waived?
DigiSmart has no annual fee at all. Platinum Rewards waives its ₹250 renewal fee on ₹60,000 annual spend, and the Rewards card waives its ₹1,000 fee on ₹1.5 lakh spend. Ultimate and Manhattan Platinum do not currently offer a spend-based waiver.
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