स्टैंडर्ड चार्टर्ड रिवार्ड्स+ क्रेडिट कार्ड
जारीकर्ता बैंक / संस्था: Standard Chartered Bank India
Everyday retail rewards card offering 4X points on apparel & supermarkets and ₹60,000 spend-based fee waiver.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
Standard Chartered Rewards+ Credit Card is an accessible retail card designed for grocery, clothing, and department store spenders. It offers 4X reward points on apparel and supermarkets and an easy ₹60,000 annual spend fee waiver.
1,000 bonus Reward Points credited upon card fee payment and first retail transaction within 30 days.
No complimentary airport lounge access is included on this starter card.
1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹5,000.
Earn 1,000 bonus reward points on spending ₹20,000 in a month. Annual fee reversal on ₹60,000 spend.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
Salaried Indian individuals aged 21 to 65 with monthly salary exceeding ₹25,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹3,60,000.
न्यूनतम वार्षिक आय आवश्यकता
₹25,000/month (Salaried) / ₹3,60,000/year ITR (Self-Employed)
📂आवश्यक दस्तावेज (Required Documents)
1. PAN Card (statutory requirement) 2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID 3. Proof of Income: Last 3 months' salary slips with bank statement OR Latest ITR with Computation Sheet 4. Passport-size photograph.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden Costs)
No airport lounge access. Standard retail spend earn rate is low at 1 point per ₹150 (0.16% return). High 45% APR on revolving balances.
🚀आवेदन के चरण (How to Apply)
Step 1: Visit sc.com/in/credit-cards or open SC Mobile app. Step 2: Enter PAN and mobile number for soft eligibility evaluation. Step 3: Select Standard Chartered Rewards+ Card. Step 4: Enter employer details and monthly salary. Step 5: Complete online Video KYC session with bank official. Step 6: Card is approved and dispatched via courier within 3 to 5 business days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What happens if I miss the minimum payment due on Standard Chartered Rewards+ Credit Card?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹750 for ₹1,001–₹5,000; ₹900 for ₹5,001–₹10,000; ₹1,200 for above ₹10,000 (+ GST).. In addition, revolving finance charges at 3.75% per month (45.00% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on Standard Chartered Rewards+ Credit Card into EMI?
Yes, Standard Chartered Bank India provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on Standard Chartered Rewards+ Credit Card?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into Standard Chartered Bank India's official mobile banking application or web portal. 1 Reward Point = ₹0.25 against shopping catalog merchandise or statement balance. Please note: Reward points expire 2 years (24 months) from the date of accrual.
What is the interest-free grace period on Standard Chartered Rewards+ Credit Card and how does it work?
The interest-free period on Standard Chartered Rewards+ Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.75% per month (45.00% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.