Standard Chartered Credit Cards India- Smart, Ultimate & More | card24.ai
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Standard Chartered Credit Cards

Standard Chartered Credit Cards

Global Banking Rewards. Right Here in India.

Compare Standard Chartered credit cards in India - from the Smart cashback card and the Ultimate premium card, to the Super Value Titanium for utility savings and the Manhattan for groceries.

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Best Standard Chartered Credit Card in India

Compare Standard Chartered credit cards in India - from the Smart cashback card and the Ultimate premium card with 1 RP = ₹1 redemption, to the Super Value Titanium for fuel and utility cashback, the Manhattan for grocery savings, and the Emirates co-brand for international flyers. Browse detailed reviews, benefits, and eligibility to find the right SC card for your lifestyle.

Which Standard Chartered Credit Card Should You Choose?

Choose Smart if

You spend online frequently and want cashback credited directly on popular platforms and apps.

Choose Ultimate if

You want high-value reward points (₹1 per point), lounge access, golf, and duty-free cashback.

Choose Super Value Titanium if

You spend on fuel, utility bills, and phone bills and want 5% cashback on everyday essentials.

Choose Manhattan if

You shop at supermarkets and grocery stores regularly and want 5% cashback on every purchase.

Choose Emirates World if

You fly Emirates frequently and want to earn Skywards miles on all your everyday spends in India.

Standard Chartered Credit Cards in India - Overview

Standard Chartered Bank India is a subsidiary of the London-based Standard Chartered Group and has operated in India since 1858 - making it one of the oldest foreign banks in the country. As a credit card issuer, Standard Chartered is the third-largest foreign card issuer in India with approximately 6.5 lakh active credit cards as of February 2026, after American Express and HSBC. The Standard Chartered credit card portfolio spans approximately 10 main products - cashback, grocery, fuel, premium rewards, airline co-brand, and priority banking cards - all backed by the 360° Rewards programme where points can be redeemed for travel, vouchers, and merchandise.

Why Choose a Standard Chartered Credit Card?

Standard Chartered credit cards offer four key advantages for the right user:

  1. 1 Reward Point = ₹1 on the Ultimate Card - The Standard Chartered Ultimate Credit Card earns 5 reward points per ₹150 spent, where each point is worth ₹1 - making the stated reward rate transparent and easy to calculate. This 1:1 redemption ratio is one of the clearest and most generous in the Indian market at the ₹5,000 annual fee tier.
  2. Cashback Across Core Everyday Categories - The Super Value Titanium offers 5% cashback on fuel, utility bills, and phone bills. The Manhattan offers 5% cashback on groceries and supermarkets. Together, they cover four of the five most common household expense categories with a single or dual-card setup.
  3. Global Acceptance and Benefits - Standard Chartered cards run on Visa and Mastercard networks and carry the Good Life Programme - a curated set of lifestyle offers across dining, shopping, travel, and entertainment. For Priority and Premium Banking customers, cards carry Priority Pass membership for 1,000+ international lounge access.
  4. Kuch Bhi on EMI - Standard Chartered's 'Kuch Bhi on EMI' feature allows cardholders to convert any purchase above ₹2,000 into monthly instalments starting at 0.99% per month - one of the lowest EMI rates available on any Indian credit card.

Types of Standard Chartered Credit Cards in India

Standard Chartered India offers approximately 10 credit cards across four categories:

  • Cashback Cards - The Standard Chartered Smart Credit Card is the most searched SC card in India, offering cashback on online spends across popular platforms. The Super Value Titanium Credit Card offers 5% cashback on fuel, utility bills, and phone bills (max ₹200/month per category) - making it the best SC card for users who spend heavily on essential household bills. The Manhattan Platinum Credit Card targets grocery shoppers with 5% cashback at supermarkets and departmental stores.
  • Premium Reward Cards - The Standard Chartered Ultimate Credit Card is SC's flagship premium offering with 5 RP per ₹150 spent (1 RP = ₹1), lounge access at domestic and international airports through DreamFolks, golf privileges, 5% cashback on duty-free purchases, and a reduced 2% foreign currency markup. Annual fee is ₹5,000 - waived on ₹6 lakh annual spend.
  • Entry Reward Cards - The Platinum Rewards Credit Card earns 5X reward points on dining and fuel at just ₹250 annual fee - the most affordable entry point into the SC rewards ecosystem. The DigiSmart Credit Card offers cashback on Myntra, Swiggy, Inox, MakeMyTrip, and BigBasket at a ₹49 monthly subscription.
  • Airline Co-brand & Banking Cards - The Emirates World Credit Card earns Emirates Skywards miles on all spends for frequent international flyers. The Priority Visa Infinite and Standard Chartered Visa Infinite cards are reserved for Priority Banking and Premium Banking relationship customers - not available to general applicants.

Standard Chartered Credit Card Eligibility and City Availability

Standard Chartered Bank credit cards are available only in select Indian cities - unlike Indian banks which service applicants nationally. SC's credit card sourcing network is concentrated in major metros and Tier 1 cities. If you live outside an SC-serviceable city, your application will not be processed regardless of income or credit score. Verify your city's eligibility at sc.bank.in before applying.

General eligibility requirements:

  • Age: 21 to 65 years (18–65 for DigiSmart and EaseMyTrip cards)
  • Income: Minimum monthly income of ₹55,000 for Super Value Titanium - one of the higher income thresholds for an entry-level card in the Indian market. Income requirements vary by card - verify on the SC website
  • CIBIL score: 700 or above recommended for all cards; 750+ for Ultimate and Visa Infinite
  • Employment: Salaried or self-employed

Application processing time: Standard Chartered typically takes 7–15 working days to process credit card applications after document verification - among the faster timelines for a foreign bank in India.

Documents required: Photo identity proof (Passport, Voter ID, Government ID), address proof (Aadhaar, Passport, Driving License), PAN card, and latest income proof (salary slips or ITR).

Frequently Asked Questions

Everything you need to know about Standard Chartered credit cards.

Standard Chartered Bank credit card eligibility: Applicants must be 21–65 years of age (18–65 for DigiSmart and EaseMyTrip). A stable monthly income is required - the minimum income threshold varies by card, starting at ₹55,000 per month for the Super Value Titanium. CIBIL score of 700+ is recommended for standard cards; 750+ for premium cards like Ultimate and Visa Infinite. Importantly, applicants must reside in one of SC's credit card serviceable cities - verify at sc.bank.in. Self-employed and salaried individuals are both eligible.

Standard Chartered Bank requires a CIBIL score of 700 or above for most standard credit cards. A score of 750 or above is strongly recommended for premium cards like the Ultimate Credit Card and Visa Infinite. SC conducts a credit bureau check as part of its application process and may decline applications with scores below 700. If your CIBIL score is below 700, consider building it over 6–12 months through responsible credit card usage before reapplying.

Standard Chartered credit card applications typically take 7–15 working days to process after all required documents have been submitted and verified. Instant online in-principle approval decisions are available on the SC website. After in-principle approval, a bank representative contacts the applicant to complete documentation. Final approval and card dispatch take 7–15 working days. Applications from unsupported cities or incomplete documents may face longer processing times.

Standard Chartered Bank credit cards are available only in select Indian cities where the bank has a credit card sourcing presence. SC's network is concentrated in major metros including Mumbai, Delhi, Bengaluru, Chennai, Hyderabad, Kolkata, and Pune, along with other Tier 1 cities. Applicants from smaller cities or non-serviceable locations will not be able to apply. The complete list of eligible cities may change - verify at sc.bank.in or by calling Standard Chartered credit card customer care before applying.

To check your Standard Chartered credit card application status, visit sc.bank.in and navigate to the loan tracker/application status section. Enter your application reference number and date of birth. Alternatively, call Standard Chartered credit card customer care on 1800-345-1000 (toll-free) or +91-44-66282828. SC typically sends SMS updates on application status at key milestones - approval, document collection, and dispatch.

The best Standard Chartered credit card depends on your primary spend profile. For online cashback: the Smart Credit Card is the most searched and most accessible. For premium rewards with high point value: the Ultimate Credit Card (5 RP per ₹150, 1 RP = ₹1) is SC's strongest proposition and competes with HDFC Regalia Gold at a comparable fee tier. For fuel and utility savings: Super Value Titanium is the best fit at ₹750 annual fee. For grocery spends: the Manhattan Platinum is purpose-built with 5% grocery cashback. For Emirates flyers: the Emirates World Credit Card earns Skywards miles on all spends.