Is a Standard Chartered credit card good for small business owners?
Diya Ranjan
Asked 12 Jun 2026
Reviews of Standard Chartered credit cards mostly highlight rewards but rarely mention downsides. Is it really worth it for freelancers?
2 Answers
I've held this card for 3 years. Quick reality check: the welcome benefit is good, the first-year fee waiver is easy, but from year 2 onwards you really have to work for the milestone benefits. Don't keep it if your monthly spend drops below the milestone threshold.
Honestly, the annual fee is on the higher side. But if you spend consistently on the accelerated categories, the cashback more than offsets it. I did the maths on my own statement last year and came out ahead by about ₹3,200.
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