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Danish had always been a consistent man. He had been working nonstop at his logistics company in Mumbai for the last ten years, making sure that every shipment arrived on schedule. Although his firm had been growing rapidly, he faced a significant obstacle when he tried to expand outside of India.
One day, an old friend, Aman, called from Dubai with an opportunity. “Danish, there’s a huge market here for what you do. Why don’t you set up an office?”
Danish hesitated. He had no idea how to do international banking, payroll, systems or even opening an account for his employees abroad. But Standard Chartered Bank came as an unexpected lifeline.
Danish was able to easily set up salary accounts for his Dubai crew, gain access to multi-currency transactions, and even obtain a business credit line with their assistance. He started using their Platinum Rewards Credit Card for all of his travel expenses, receiving points for each purchase.
He came to the realisation that sometimes all it takes to grow is the appropriate support and a leap of faith, as he was standing in his Dubai office a year later, watching his team at work.
To improve your shopping experience, the Standard Chartered Platinum Rewards Credit Card provides a number of advantages.
No monthly cap on the reward points you can accumulate.
Zero annual and joining fees, provided you spend ₹500 or more within 30 days of card issuance; otherwise, a one-time fee of ₹250 plus GST applies.
Read More – Standard Chartered Net Banking
Contactless Payments: Enjoy faster and secure transactions with contactless payment technology.
Digital Payment Solutions: Access a variety of instant payment options, including BharatQR, Bharat Bill Payment System (BBPS), and Samsung Pay.
Balance Conversion: Convert outstanding balances up to ₹5,00,000 into EMIs with zero processing fees.
The Standard Chartered Platinum Rewards Credit Card is made to maximise your benefits through a robust rewards program.
Rewards Program:
Please note that this card does not offer cashback features. For detailed information and to apply, visit the official Standard Chartered website.
Feature | Details | Example | Tips |
Joining Fee | Zero joining fee (if a spend of ₹500 or more is made within 30 days from card issuance). | Spend ₹500 within the first 30 days to avoid the ₹250 + GST one-time fee. | 1. Make a purchase of at least ₹500 within 30 days to avoid the fee. 2. Track your spending and ensure you meet the ₹500 threshold. |
Pros:
Supplementary Cards: Extend the benefits to your family with lifetime-free supplementary credit cards.
Contactless Payments: Enjoy faster and secure transactions with contactless payment technology.
Enhanced Security: Benefit from 3D secure OTP verification for safer online transactions.
Digital Payment Solutions: Access a variety of instant payment options, including BharatQR, Bharat Bill Payment System (BBPS), and Samsung Pay.
Online Banking and Mobile App: Manage your account effortlessly with Standard Chartered's online banking and mobile app services.
Cons:
Limited Elevated Rewards: The 5x reward points are specifically limited to dining and fuel categories; other spending categories earn only 1 reward point per ₹150 spent.
No Cashback Feature: This card focuses on a rewards points system and does not offer direct cashback on purchases.
Redemption Restrictions: Reward points can be redeemed only through the bank's rewards catalogue, which may limit flexibility in how points are used.
Eligibility Criteria | Details | Example | Tips |
Age | Applicant’s age should be between 21 and 65 years. | If you're 25 years old, you're eligible to apply. | 1. Ensure you meet the age criteria before applying. 2. Add-on cardholders must be at least 18 years old. |
Document Type | Details | Example | Tips |
Identity Proof | Any one of the following: Passport, Voter ID Card, Government-issued ID, etc. | Aadhar Card, Voter ID, Passport | Ensure the ID is valid and has your photo for proper verification. |
Recent utility bills, Aadhaar Card, Driving License
Make sure the address on the proof matches the address provided in the application form.
Passport-sized Photograph
A recent passport-sized photo required.
A clear, recent passport-sized photograph
Ensure the photo is clear, professional, and within the required dimensions.
Financial Documents for Salaried Individuals
One-time Fee
₹250 + GST, if no ₹500 spend is made within 30 days. |
If you don't spend ₹500 within the first 30 days, you'll be charged ₹250 + GST. |
1. Set reminders to complete your spend within 30 days to avoid the fee. |
Eligibility for Offer | Only for new applicants who apply via digital channels, not applicable for existing cardholders. | Only new applicants who apply through prescribed digital channels can avail this offer. | 1. Ensure you're applying via the correct digital channel to be eligible. |
Annual Fee | Zero annual fee | No annual fee charged if you meet the requirements. | 1. Take advantage of the zero annual fee by adhering to the offer terms. |
Annualized Percentage Rate (APR) | 45% (3.75% monthly interest rate) | If you carry a balance, interest will be charged at a rate of 3.75% per month (APR of 45%). | 1. Pay your bill in full each month to avoid high interest charges. |
Minimum Age for Add-on Cardholder
18 years (for add-on cardholders). |
If you're 18 years old, you can apply for an add-on card. |
1. Make sure your add-on cardholder is 18 or older. |
Monthly Income | Applicants should have a stable monthly income. | A person with a monthly salary of ₹30,000 qualifies. | 1. Ensure your income meets the bank's criteria before applying. |
Other Requirements | Must belong to credit card sourcing cities/locations. | If you live in one of the approved cities, you can apply. | 1. Confirm if your city is listed in the eligible locations. |
Credit and Policy Checks | Applications are subject to credit and other policy checks. | If your credit score is above 750, your chances of approval are higher. | 1. Ensure your credit score is in good standing to increase approval chances. |
Required for tax identification and processing. |
PAN Card |
Always ensure your PAN Card is up to date before submitting. |
Address Proof | Any one of the following documents with the current residence address: Aadhaar Card, Passport, etc. |
*T&C Apply
Latest one-month salary slip
A salary slip for the month of July or the current month. |
Provide a current and valid salary slip; it should clearly mention your salary, employer, and other details. |
Financial Documents for Self-employed
Self-Employed Businessmen: Latest Income Tax Returns (ITR) with computation of income.
ITR along with certified financials and business continuity proof.
Ensure that ITRs are filed on time and contain all necessary details for income verification.
Self-Employed Professionals: Latest IT Returns, Business Continuity proof.
Business continuity proof such as contract, project receipts.
Ensure that you provide relevant proof to show ongoing business activities.
Here is the step-by-step procedure to apply for a standard chartered platinum rewards credit card for you to follow:
Step 1: Click here to access the official website of Standard Chartered Platinum Rewards Credit Card.
Step 2: On the left side, click the "Apply Now" button.
Step 3: You will be redirected to a new page where you will be asked to select a card and answer the question: “Do you have an existing Standard Chartered Bank Credit Card?”
Step 4: Click on Yes or No, then click on Next.
Step 5: If you choose No, you will be asked to fill in your full name as per your PAN, email ID, and mobile number.
Step 6: After filling in all the details, wait for approval.
Step 7: Once you get approval, submit the required documents as mentioned.
The bank provides a number of customer service channels to help you with any questions or problems you may have with your Standard Chartered Platinum Rewards Credit Card.
Standard Chartered provides dedicated phone banking numbers across various cities in India. These services are available between 8:00 a.m. and 8:00 p.m.
Email Support:
For written correspondence, you can email your queries to the following addresses:
Ensure you include relevant details such as your full name, contact information, and a description of your query for prompt assistance.
Mailing Address:
You can also write to the bank at:
Standard Chartered Bank
Customer Care Unit
19, Rajaji Salai
Chennai – 600 001
SMS Banking:
For quick information, Standard Chartered offers SMS banking services. From your registered mobile number, send specific keywords to +919987123123:
This service is available 24/7, except on national holidays.
International Helpline Numbers:
If you're travelling abroad, Standard Chartered provides toll-free numbers in select countries:
For countries not listed, you can reach the bank at +91 80 42896753 (international call charges apply).
By providing a comprehensive rewards program and a number of extra incentives, the Standard Chartered Platinum Rewards Credit Card aims to improve your regular spending. Every ₹150 spent on eating and petrol earns cardholders 5 reward points, while every ₹150 spent on other categories earns them 1 reward point.
Also Read - Standard Chartered Zero Balance Account
The accumulation of points is not limited to a monthly total. In addition, the card offers contactless payment technology, lifetime-free additional cards, zero yearly and joining fees after reaching specific spending goals, and improved security for online transactions.
The card offers significant value for people who regularly spend in the eating and fuel categories, even while the uplifting rewards are concentrated on these areas, and the redemption alternatives are linked to the bank's rewards portfolio. Please visit the official Standard Chartered website to apply and for additional information.
Q. Does the Standard Chartered Platinum Rewards card have lounge access?
No, using the Platinum Rewards Credit Card does not grant free lounge admission. The best credit cards in India for airport lounge access are available if you're expressly looking for lounge advantages.
Q. Monthly Annual Percentage Rate (APR) for the Platinum Rewards credit card?
The Platinum Rewards credit card has an interest rate of 3.75% each month (45% annual percentage rate). The Annualised Percentage Rate (APR) is calculated by annualising the monthly interest rate.
Q. Can I transfer my outstanding balance on any other bank’s credit card?
Yes, you can use the "Balance Transfer" feature of the Standard Chartered Platinum Rewards credit card to move your outstanding debt from any other bank's credit card.
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