Standard Chartered Priority Banking
Standard Chartered Bank
Standard Chartered Priority Banking credit card is the flagship premium card from Standard Chartered Bank India, designed for high-net-worth individuals and Priority Banking customers who demand unlimited lounge access, competitive forex rates, and the simplest possible rewards structure. The card's 1.5% reward rate on ALL spends with no category restrictions, caps, or conditions makes it one of the most straightforward premium rewards cards available. The unlimited complimentary domestic airport lounge access at 100+ airports in India through the Visa Lounge Access program is the card's standout feature. Unlike cards that cap lounge visits, the SC Priority Banking card provides truly unlimited access — making it indispensable for the frequent domestic traveller who flies multiple times per month. At ₹2,500 per lounge visit, even 30 visits per year would be worth ₹75,000 — 25x the annual fee. The 1.99% forex markup on international transactions is among the lowest available in India. For frequent international travellers spending ₹5 lakhs per year abroad, this saves approximately ₹7,550 compared to a card with 3.5% markup. The 6 complimentary international lounge visits through LoungeKey add further travel value. The card's Priority Banking positioning provides access to dedicated relationship managers, priority service at branches, and preferential rates on loans and deposits — the full suite of Standard Chartered's premium banking services. Complimentary travel insurance of ₹5 crores for air accidents and ₹2 lakhs for travel inconvenience provides comprehensive coverage for frequent flyers. The card requires a minimum annual income of ₹10 lakhs for salaried individuals and is available to Indian residents aged 21-65 years. Source: Standard Chartered Bank official website, updated May 2026.
Key Facts
| Feature | Details |
|---|---|
| Joining Fee | ₹2,000 |
| Annual Fee | ₹3,000 |
| Reward Rate | [object Object]% |
| Cashback Rate | 0% |
| Lounge Access | Yes |
Features & Benefits
Pros & Cons
- Unlimited domestic lounge access is best-in-class
- Simple 1.5% on ALL spends with no complexity
- Low 1.99% forex markup is excellent for international spenders
- High annual fee of ₹3,000
- Requires high income of ₹10 lakhs+ per annum
- Spending threshold of ₹5 lakhs for fee reversal is steep
How to Apply
Review the eligibility criteria below and ensure you meet the income and credit score requirements.
Click "Apply Now" and fill in your personal, income, and KYC details online.
The bank reviews your application and approves within 2–5 working days. Card arrives in 3–7 days.