Standard Chartered Platinum

Standard Chartered Bank

Standard Chartered Platinum credit card is a balanced lifestyle rewards card that delivers accelerated reward points on dining and travel — two categories that represent significant spending for urban Indian professionals. At an annual fee of ₹1,500 — reversed on spending ₹2 lakhs per year — the card provides solid value through its dining and travel rewards combined with airport lounge access and everyday fuel surcharge savings. The 2% reward rate on dining and food delivery (Swiggy, Zomato, and restaurant spends) addresses one of the largest spending categories for urban households. For a family spending ₹10,000 per month on dining and food delivery, this translates to ₹200 per month or ₹2,400 per year in reward points — 1.6x the annual fee just from dining rewards. The 1.5% reward rate on travel bookings (flights, hotels, holiday packages) across any booking channel provides meaningful savings for frequent travellers. For someone spending ₹1 lakh per year on travel, the 1.5% reward translates to ₹1,500 per year in points. Four complimentary domestic airport lounge visits per year through the Visa Lounge Access program provide modest but useful travel benefits, while the 1% fuel surcharge waiver across all fuel stations adds consistent savings for commuters. The card requires a minimum annual income of ₹4 lakhs and is available to Indian residents aged 21-60 years. The ₹2 lakhs annual spending threshold for annual fee reversal is approximately ₹16,667 per month — achievable for most working professionals. Source: Standard Chartered Bank official website, updated May 2026.