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Standard Chartered

SC Rewards Credit Card

VisaMidPoints
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Annual Fee

₹999

Reward Type

Points

Forex

1.5%

Lounge

2 dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining FeeFree
Annual Fee₹999(waived ≥ ₹50,000)
Min Monthly Income₹30,000

Rewards

Reward TypePoints
Base Rate1.5%
Point Value₹0.25/point

Travel & Global

Forex Markup1.5%
Domestic Lounge2 visits/yr
Intl. LoungeNone
Lounge NetworkDreamfolks

India-Specific

Fuel Surcharge✓ 1% waiver

Similar Cards

Federal Celesta (100%) →HDFC Diners Club Rewardz (99%) →RBL Platinum Maxima Credit Card (99%) →IndusInd Pioneer Heritage Credit Card (98%) →Amex MRCC (96%) →

💡 Fee Waiver Strategy

Spend ₹50,000 annually to waive the annual fee.

⚖️ Breakeven Analysis

To recover the ₹999 annual fee at the base reward rate of 1.5%, you need to spend ₹66,600 annually.

🎯 Pro Tips

  • ▸Maximize rewards on dining and groceries.
  • ▸Use for international transactions to earn more points.
  • ▸Pay bills using the card for additional rewards.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹3,501

Effective Rate

0.3%

Ranked #119 of 173 cards#119

₹999 annual fee deducted from gross rewards value.

🏷️ Best For

shoppingdininglifestyle