Standard Chartered Rewards Credit Card 2025
Save more than ₹15,000 every year with high rewards on shopping, dining & lounge perks!
The Standard Chartered Rewards Credit Card is an excellent entry-to-mid level rewards card for everyday shoppers and travelers in 2025.
You earn 4 Reward Points per ₹150 on all retail spends (2% value), plus bonus 4 RP per ₹150 if monthly retail > ₹20,000 (up to 4% total), 1 domestic lounge access per quarter, fee waived on ₹1.5L annual spend, and first year completely free with no joining fee.
Redeem points for vouchers, products or cashback via 360° Rewards – flexible and valuable.
Why This Is The Best Rewards Card in 2025?
Up to 8X RP on retail (4% value) • 4 lounge visits • Easy fee waiver on ₹1.5L • First year free • Bonus points on high spend • Dining discounts
Best for: Shoppers, diners, occasional travelers, mid-spenders aiming for lounges
No Joining Fee – ₹1,000 annual waived on ₹1.5 Lakh spend
Card At a Glance
₹0 (First Year Free)
₹1,000 (Waived on ₹1.5L spend)
4 RP/₹150 retail (up to 8X)
1 per quarter (4/year)
₹0.25–₹0.50 per point
3.5% + GST
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | Nil (First Year Free) |
| Annual Fee | ₹1,000 + GST (waived on ₹1.5L spend) |
| RP Redemption | ₹0.25/point (cashback/vouchers) |
| Foreign Currency Markup | 3.5% + GST |
| Interest Rate | 3.75% per month |
| Fuel Waiver | 1% at HPCL (up to ₹500/year) |
Detailed Reward Rates (2025)
- 4 RP per ₹150 on all retail spends (excl. govt, insurance, fuel)
- Bonus: +4 RP per ₹150 on monthly retail > ₹20,000 (max 2,000 bonus RP/statement)
- Total up to 8 RP/₹150 (4% value at ₹0.50/RP)
- 1 RP = ₹0.25 cashback or higher for vouchers/merchandise
- No points on excluded categories
Airport Lounge Access
1 complimentary domestic lounge visit per quarter (total 4/year)
Valid on Visa lounges in India – no spend requirement
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| Up to 8X RP (4% value) on retail | ₹1,000 fee if low spend |
| 4 domestic lounge visits | Bonus only above ₹20K/month |
| First year free + easy waiver | 3.5% forex markup |
| Flexible redemptions | No international lounges |
| Dining discounts & fuel waiver |
Eligibility Criteria & Documents
- Age: 21–65 years
- Minimum income: ₹4.5 Lakh/year
- Good credit score (700+)
- Documents: PAN, Aadhaar, salary slip/ITR
How to Apply (2-Minute Process)
- Click “Apply Now” button
- Enter mobile & PAN for pre-approval
- Upload income documents
- Video KYC (1–2 minutes)
- Card delivered in 5–7 days
Final Verdict – Should You Get It in 2025?
If you spend ₹20,000+ monthly on retail, this card delivers ₹12,000–₹20,000 in rewards value yearly + lounges, with easy fee waiver. Best value rewards card for mid-spenders!
Frequently Asked Questions (FAQs)
How to get bonus 4X points?
Spend ₹20,000+ on retail in a month – auto credited next statement.
RP redemption value?
₹0.25 per point for cashback; up to ₹0.50 for vouchers.
Lounge access details?
1 free visit per quarter at domestic Visa lounges.
Fee waiver condition?
₹1.5 Lakh annual spend – or get 4,000 bonus RP instead.