Fees
Annual feeINR 699 + GST
Joining feeINR 699 + GST
Renewal feeINR 699 + GST
Fee waiverSpend INR 90,000 in a year
Interest rate2.05% per month (24.6% per annum (p.a.))
Late paymentINR 0 (≤INR 100); INR 100 (INR 101-INR 500); INR 500 (INR 501-INR 5,000); INR 700 (INR 5,001-INR 10,000); INR 800 (INR 10,001-INR 25,000); INR 1,200 (>INR 25,000)
Forex markup3.5% of transaction amount
Cash advance3% of transaction amount or INR 300, whichever is higher
Eligibility
Min income (salaried)INR 25,000/month
Min income (self-emp.)INR 50,000/month or equivalent ITR
Income requirementSalaried: INR 25,000/month; Self-employed: INR 50,000/month or equivalent ITR
Credit score700 - 750
Age range21 to 65
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 5X points on Dining, Movies, Supermarkets & Groceries (effective 1%)
Cashback %No direct cashback; reward-point based (~0.6% base, 1% on special categories)
Cashback capNo capping specified
Redemption optionsStandard Chartered Rewards Catalogue (Merchandise, Gift Vouchers, Statement Credit, Flights & Hotels)
Points expiry3 Years
Travel & lounge
Domestic lounge2-4 visits/year (domestic airport lounges)
International lounge0 visits (no lounge benefit)
Lounge conditionsNo
Travel insuranceNo
Hotel/flight offersVia Standard Chartered travel partners (MakeMyTrip, etc.)
ConciergeNo
Forex waiver3.5% (Standard Rate - no waiver)
Lifestyle
Dining benefitsYes - 5X points on dining spends
Dining discountsYes - 5X points on dining spends
Fuel surchargeYes - Fuel surcharge waiver applicable
OTT subscriptionsNo
E-commerce offersNo
Credit limit & EMI
Default limitINR 75,000 - INR 1.5 lakh
Max limitINR 3 - INR 5 lakh
Cash withdrawalUp to 20-40% of credit limit
EMI optionsPost-purchase; Yes - at select merchants
EMI conversionPost-purchase
Min EMI amountINR 2,500 - INR 3,000
Balance transferNo
Insurance & protection
Purchase protectionNo
Lost card liabilityYes - Zero liability on timely reporting
Digital & security
ContactlessYes
Virtual cardYes
App featuresReal-time Spend Alerts; Card Lock/Unlock; View Statements & Due Dates; Convert to EMI; Rewards Tracking & Redemption; Raise Service Requests; Block Lost/Stolen Card
Card controlsBlock/Unblock Card; Enable/Disable International Usage; Enable/Disable Online Transactions; ATM Withdrawal Toggle; Card PIN Reset; Report Lost/Stolen Card
Fraud protectionReal-time Transaction Alerts; Tokenization (RBI Mandated); OTP for Online Transactions; Instant Card Block Option; Zero Liability Guarantee
Zero liabilityZero liability if fraud reported within 3 working days; Limited liability if reported within 4-7 working days
WhatsApp supportNo