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Standard Chartered

SC Nite Credit Card

MastercardEntryCashback
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Annual Fee

Free

Reward Type

Cashback

Forex

3.5%

Lounge

0 dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining FeeFree
Annual FeeFree
Min Monthly Income₹20,000

Rewards

Reward TypeCashback
Base Rate1%
Point Value₹1/point

Category Multipliers

dining3%(cap ₹300)food delivery2%

Travel & Global

Forex Markup3.5%
Domestic LoungeNone
Intl. LoungeNone

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✓ Lifetime Free Card

This card has no annual or renewal fee - ever. No spend targets needed.

🎯 Pro Tips

  • ▸LTF — India's first dedicated late-night dining cashback card.
  • ▸3% cashback on restaurant spends after 8 PM (capped ₹300/month = ₹3,600/year).
  • ▸2% on Swiggy, Zomato, Blinkit, and entertainment platforms.
  • ▸1% on all other spends.
  • ▸Digital-first with instant approval via SC iMobile app.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹12,600

Effective Rate

1.1%

Ranked #53 of 173 cards#53

🏷️ Best For

diningentertainmentcashbackfirst-card