Best Rewards Credit Cards in India 2024

01. SBI SimplyCLICK Credit Card:-

The SBI SimplyCLICK Credit Card stands out as a top choice in the realm of entry-level shopping credit cards from SBI Card. Perfectly tailored for first-time cardholders, this card has earned its popularity, particularly among those who thrive in the world of online shopping.

Designed with a keen focus on enhancing the online shopping experience, the SBI SimplyCLICK Credit Card offers an impressive 10x reward points at a selection of premier online shopping and travel websites. Notable partners include Cleartrip, Apollo 24×7, Netmeds, BookMyShow, Dominos, Yatra, and Lenskart. While the card previously extended its 10x Rewards to Amazon, it now offers 5x Rewards on this platform. For all other online and offline expenditures, you earn 5x rewards on online spends and one reward point for every Rs. 100 spent on offline purchases.

Priced at a modest annual membership fee of just Rs. 499, the SimplyCLICK SBI Card is a cost-effective entry-level option. While it may not boast the traditional perks associated with premium credit cards, such as travel or dining benefits, it does present a unique opportunity to earn gift vouchers worth up to Rs. 4,000 annually by meeting specific spending requirements. Beyond its affordability, this card facilitates contactless payments and is globally accepted.

For those venturing into the credit card landscape and seeking a companion that aligns with their online shopping habits, the SBI SimplyCLICK Credit Card emerges as an enticing and practical choice. To delve deeper into the offerings of this entry-level credit card, let’s embark on a detailed exploration in our comprehensive SBI SimplyCLICK Credit Card review.

SBI SimplyCLICK Credit Card Features & Benefits:-

The SBI Simply Click Credit Card stands out as a fundamental yet highly coveted credit card option in the market. Boasting a spectrum of enticing perks, this card presents a compelling array of benefits, ranging from a generous welcome bonus to enticing reward programs and milestone benefits. Let’s explore the distinctive features that make this credit card a standout choice.

Welcome Benefits

• Upon payment of the card membership fee, a delightful welcome awaits you in the form of a Rs. 500 Amazon gift voucher.

• Within 30 days of settling the joining fee, anticipate the arrival of the voucher code, sent directly to your registered mobile number.

• The gift voucher, a token of appreciation, comes with a validity of 12 months from the date of accrual, offering a year-long window for your shopping pleasures.

SBI SimplyCLICK Credit Card Milestone Benefits

• Upon payment of the card membership fee, a delightful welcome awaits you in the form of a Rs. 500 Amazon gift voucher.

• Within 30 days of settling the joining fee, anticipate the arrival of the voucher code, sent directly to your registered mobile number.
• The gift voucher, a token of appreciation, comes with a validity of 12 months from the date of accrual, offering a year-long window for your shopping pleasures.

Fuel Surcharge Waiver

• Enjoy the waiver of a 1% fuel surcharge at any fuel filling station nationwide for transactions falling within the Rs. 500 to Rs. 3,000 range, with a maximum monthly benefit capped at Rs. 100.

Zero Liability Protection

• The Simply Click Card from SBI comes equipped with a zero liability protection feature, ensuring that the cardholder bears no responsibility for unauthorised or fraudulent transactions made through the card.
• This safeguard activates when the card is promptly reported as lost or stolen to the card issuer, shielding the cardholder from any liability associated with unauthorised activities.

Best Reward Credit Cards in India 2024

SBI SimplyClick Credit Card Rewards:

• Gain 1 Reward Point for every Rs. 100 spent on offline transactions, equating to a 0.25% reward rate, adding value to your everyday purchases.

• Experience an impressive 10X Reward Points (10 Points per Rs. 100) when indulging in online shopping at partner merchants such as Cleartrip, BookMyShow, Dominos, Lenskart, Yatra, Apollo 24×7, Myntra, and Netmeds, delivering an enticing 2.5% reward rate. Notably, the 10X Reward Points benefit excludes Gift Card purchases, utility bill payments, and Amazon recharge.

• Elevate your online spending game with 5X Reward Points, translating to a 1.25% reward rate for all other online transactions made with the card.

• Navigate within the Bonus Points realm, where a maximum cap of 10,000 Reward Points per month is applicable, ensuring you make the most of the 5X or 10X rate benefits.

Reward Points Redemption:

• Harness the potential of your SimplyCLICK SBI Credit Card’s Reward Points by logging into sbicard.com, unlocking a realm of redemption possibilities.
• Navigate to the ‘Rewards’ section on the official SBI Card website, revealing a diverse array of products and gift vouchers within the SBI Card reward catalogue, where 1 Reward Point equates to Re. 0.25.
• Engage in the seamless redemption process by selecting a desired product and opting for either ‘Points Only’ or ‘Points + Pay’ based on your preference.
• Complete the redemption journey by logging in using your registered mobile number or card details, ensuring a hassle-free experience.
• Alternatively, should you wish to offset your statement balance with your accrued reward points, explore the following steps:
• Log in to sbicard.com.
• Access the ‘Mailbox’ from the main menu.
• Choose ‘Reward Points Redemption’ under the relevant category.
• Further, select ‘Request for redemption’ within the sub-category, initiating the process via email to efficiently utilise your reward points against your statement balance.

SBI SimplyCLICK Credit Card Fees and Charges:

• Explore the distinctive facets of the Simply Click SBI Card by delving into its features and terms, encompassing a spectrum of fees and charges.

• Encounter an annual fee of Rs. 499, plus applicable taxes, a gateway to a wealth of benefits. Notably, savvy spenders can revel in a waived annual fee from the second year onwards by achieving an expenditure of Rs. 1 lakh or more in the preceding anniversary year.

• Navigate the financial landscape with an interest rate of 3.5% per month, translating to an annual rate of 42%, offering flexibility while managing your balances.

• Traverse international transactions with the foreign currency markup fee, standing at 3.5% of the total transaction amount, ensuring global utility while utilising your SimplyCLICK SBI Credit Card in different currencies.

• Unlock the convenience of cash withdrawals with a cash advance fee set at 2.5% of the transaction amount, with a minimum charge of Rs. 500. This fee comes into play when utilising your SBI Simply Click Credit Card for cash withdrawals.

SBI SimplyCLICK Credit Card Eligibility Criteria:

• Unveil the pathway to acquiring the SimplyCLICK SBI Credit Card by aligning with its distinctive eligibility criteria, a crucial determinant in the approval process.

• Your journey towards card approval hinges on factors such as age, income, and credit score, with each playing a pivotal role in establishing eligibility

• Navigate the application process with a keen understanding that meeting the specified age requirements, showcasing a steady income, and maintaining a favourable credit score are integral components in the eligibility assessment for the SimplyCLICK SBI Credit Card.

Criteria	Age	Income
Salaried	18 years – 65 years	Rs. 20,000 per month
Self-employed	Self-employed	Rs. 20,000 per month (as per ITR)

SBI SimplyCLICK Credit Card Limit:

• The SimplyCLICK SBI Credit Card adopts a flexible approach by refraining from disclosing a predetermined minimum or maximum credit card limit. Instead, the assigned limit is intricately tailored to individual profiles, shaped by one’s credit history and payment behaviour.

• Your credit limit unfolds as a reflection of your creditworthiness, with those boasting a commendable credit score potentially enjoying a more generous limit. Conversely, individuals with an average score may find themselves with a comparatively modest limit.

• Should the initially assigned limit not align with your expectations, avenues for adjustment are available. You hold the option to request a higher limit through channels such as customer care or branch visits. However, it’s advisable to exhibit prudent card usage for a period before seeking a credit limit increase.

• Empower yourself in the realm of credit management, exploring various strategies to enhance your credit limit, thus ensuring your financial needs are seamlessly accommodated.

SBI SimplyCLICK Credit Card Bill Payment:

• Navigating the terrain of credit card management necessitates the punctual settlement of bills, an imperative practice for every cardholder. Familiarising oneself with diverse payment avenues becomes essential, ensuring flexibility in case the preferred option encounters any glitches. Unveil the array of methods available for settling your SBI SimplyClick Credit Card bill:

• Seamlessly expedite your credit card bill payment through the YONO SBI app, an efficient platform that demands a straightforward login, card linkage, and facilitates swift payments for your Simply Click Credit Card.

• Embrace the simplicity of the SBI Billdesk, an alternative avenue where a few keystrokes, inputting the requisite details, culminate in the seamless completion of your credit card bill payment within seconds.

• For those holding savings or current accounts in banks other than SBI, the NEFT route emerges as a viable option. Simply designate your card number as the account number, input the IFSC code, and proceed to settle your Simply Click Card bill.

• Opting for offline modes, you can engage with the traditional method of dropping a cheque at the nearest ATM Dropbox. Alternatively, embark on a visit to your nearby branch, where payments can be effortlessly executed via cash or cheque. Adapt to these diverse approaches, ensuring a well-rounded strategy in managing your credit card bill payments.

02. Axis Bank Rewards Credit Card

Axis Bank has recently introduced its latest Rewards Credit Card, presenting an irresistible option for individuals seeking unparalleled rewards from their credit cards. Elevate your every purchase with generous reward points, coupled with an impressive 10x acceleration for expenditures at departmental and apparel stores.

Whether you’re a dedicated shopper or a culinary enthusiast, this card extends substantial benefits, including an enticing 30% discount on food deliveries through Swiggy. Priced at a reasonable joining fee of Rs. 1000 plus taxes, the card offers a warm welcome with 5,000 EDGE Reward Points. Additionally, indulge in 1500 EDGE reward points upon spending Rs. 30,000 or more monthly, complemented by membership benefits valued at Rs. 1000 every card anniversary year. Revel in a suite of privileges, including complimentary lounge access, dining perks, comprehensive insurance coverage, and other exciting features.

Much like the renowned Flipkart Axis Bank Credit Card, this new offering stands out as the ultimate choice for avid shoppers. Dive deeper into the details of the Axis Bank Rewards Credit Card to unlock a world of unmatched rewards and privileges.

Axis Bank Rewards Credit Card Features and Benefits

Welcome Benefit

• Embark on your credit card journey with a flourish, earning an exclusive 5000 Edge Reward Points by achieving a net spend of Rs. 1000 or more within the initial 30 days of card acquisition.

• It’s important to note that customers opting to transition from their current Axis Bank card to the Rewards credit card won’t be eligible for the welcome benefit, ensuring clarity in the qualification criteria.

Membership Benefit

• Revel in the annual celebration of membership with attractive bouquets valued up to Rs. 1000, marking each card anniversary year.
• Eligible cardholders receive their membership link through SMS on their mobile number within the initial 60 days of card acquisition, unlocking exclusive benefits.

It’s essential to note that the membership benefit becomes accessible post the payment of the card renewal fee, ensuring a streamlined process.

• Axis Bank, in its commitment to transparency, notifies the cardholder of the membership benefit after settling the minimum due amount for the 13th month before the due date.

It’s worth mentioning that the membership benefit is not extended to those holding a lifetime free card, providing clarity on the eligibility criteria.

Milestone Benefits

• Earn 1500 Edge Reward Points when you spend over Rs. 30,000 in each card statement cycle.
• Milestone benefit excludes EMI transactions, wallet usage, rent payments, and cash withdrawals.
• Swapping existing Axis Bank cards to Rewards credit cards doesn’t qualify for the welcome benefit.
• Enjoy a renewal fee waiver by spending Rs. 2 Lakhs or more in the card anniversary year.

Dining Benefits

Swiggy Offer

• Unlock a special 30% discount on your Swiggy orders with the promo code “AXIS30” during checkout.
• To qualify, ensure your order reaches a minimum value of Rs. 200, and enjoy a generous maximum discount of Rs. 150.
• This exclusive offer is applicable twice per month for cardholders, adding more savings to your delightful dining experiences.

Dining Delights

• Indulge in a delightful dining experience with a 15% discount, capped at Rs. 500, at a plethora of partner restaurants nationwide through the Dining Delights Program.
• Simply inform the restaurant about your Rewards credit card before they generate your bill to enjoy the exclusive savings on your culinary adventures.

Domestic Lounge Access

• Elevate your travel experience with the Rewards credit card, offering cardholders 2 complimentary domestic lounge accesses every quarter.
• Unwind and enjoy the comfort of exclusive airport lounges, adding a touch of luxury to your journeys throughout the year.

Fuel Surcharge Waiver

• Enjoy a 1% fuel surcharge waiver at gas stations nationwide for transactions ranging from Rs. 400 to Rs. 5000.
• Cardholders can reap the benefits of a maximum monthly waiver of Rs. 400, making fueling up more cost-effective.
• Please note that no reward points are accrued on fuel payments, and the GST on the surcharge is non-refundable through the waiver.

Reward Points Accrual

• Earn 2 Edge Reward Points for every Rs. 125 spent, making every purchase a rewarding experience.
• Enjoy an accelerated boost with 10x Edge reward points on expenditures at departmental and apparel stores, limited to Rs. 7000 per month.
• The accelerated points are capped at 1008 per month, ensuring optimal benefits on your shopping spree.
• Beyond the Rs. 7000 threshold, continue earning reward points at the standard rate for additional spending.
• Certain categories such as utilities, insurance, wallet reloads, rent, fuel, transportation and tolls, as well as transactions with government and educational institutions, do not qualify for reward points.
• Sit back and relax as your reward points are automatically credited to your EDGE account, simplifying the redemption process.

Reward Points Redemption

• Unlock exciting rewards by redeeming EDGE reward points through mobile or net banking on the diverse product catalogue featured on the EDGE platform. A minimum of 300 reward points is required for any redemption.
• Elevate your benefits by converting or transferring EDGE reward points to partner miles or points. Enjoy a favorable exchange rate of 5 RP = 1 Partner Mile.
• Seamlessly redeem your reward points through Pay with Points via SMS at both online and offline merchants during eligible transactions. Experience value with a conversion rate of 1 RP = 20 paise, with a minimum requirement of 300 reward points for this redemption option.
• Take advantage of the convenience of redeeming reward points online through mobile or net banking with Online Pay with Point Redemption. Benefit from a conversion rate of 1 RP = 20 paise, and the minimum threshold for redemption in this category is 300 reward points.

Redemption Category	Redemption Rate	Minimum Reward Points Needed for Redemption
EDGE Catalogue	As per EDGE catalogue structure for different products and vouchers	300
Partner Airmiles/Points	10 RP = 1 Partner Point	–
Pay with Points via SMS	1 RP = 20 paise	300
Online Pay with Point Redemption	1 RP = 20 paise	300

Axis Bank Rewards Credit Card Fees and Charges

Annual and Renewal Fee: The Rewards credit card entails an annual and renewal fee of Rs. 1000 plus applicable taxes. Cardholders have the opportunity to enjoy a renewal fee waiver by making eligible purchases totaling Rs. 2 Lakhs or more in the card anniversary year.

• Interest Rate: A modest interest rate of 3.6% per month or 52.86% per annum is applied to the outstanding balance on the card.
• Forex Markup Fee: For foreign transactions, a forex markup fee equivalent to 3.5% of the total transaction amount is levied.
• Cash Withdrawal Fee: When withdrawing cash using the card, a fee of 2.5% of the total amount withdrawn or Rs. 500, whichever is higher in value, is applicable.

Axis Bank Rewards Credit Card Eligibility Criteria

• Age Requirement: Prospective applicants should fall within the age range of 18 to 70 years to be eligible for the Rewards credit card.
• Income Stability: A crucial criterion mandates that the applicant must possess a reliable and stable source of income.
• Residential Status: Eligibility extends exclusively to Indian residents, ensuring that applicants meet the criteria of being a resident of India.

03. IDFC FIRST Select Credit Card

The IDFC First Select credit card stands out as a premier choice among IDFC First Bank’s array of popular cards, alongside offerings like the IDFC First Millennia and IDFC First Classic Credit Card. Renowned for its exclusivity, this card presents a myriad of perks to its discerning customers.

Upon reaching a spending milestone of Rs. 15,000 or more, cardholders are rewarded with a welcome voucher valued at Rs. 500. Additionally, the allure of up to 5% cashback on EMI transactions enhances the card’s appeal.

Delving into its reward programs, the IDFC First Select credit card offers an enticing prospect of earning up to 10x Rewards on routine expenditures, which can be later redeemed across a diverse array of options tailored to individual preferences.

Beyond the realm of rewards, this credit card extends travel benefits, including complimentary lounge access at both airports and railway stations. The perks continue with exclusive 1+1 offers on movie ticket bookings through the PayTM mobile app.

The card goes above and beyond, providing a comprehensive suite of benefits such as insurance coverage, special dining discounts, roadside assistance, fuel surcharge waiver, and more. For those seeking a credit card experience that transcends the ordinary, the IDFC First Select credit card stands as an epitome of opulence and advantages. Explore further to uncover the full spectrum of benefits that await you.

IDFC First Select Credit Card Features and Benefits

The IDFC First Select Credit Card swiftly gained popularity for its myriad privileges since its launch. Catering to diverse categories like rewards, dining, entertainment, and travel, it has become the preferred choice for thousands. Noteworthy features include enticing rewards, exclusive dining perks, captivating entertainment privileges, and seamless travel benefits. It stands as a symbol of choice and distinction, offering a gateway to a world where each swipe brings forth luxury and convenience. Beyond being a financial instrument, this credit card represents a seamless blend of sophistication and practicality, enhancing the lifestyle of its users in multifaceted ways.

Welcome Benefits

Unlocking a realm of benefits, the IDFC First Select Credit Card offers a compelling introduction perk – a Rs. 500 gift voucher, attainable upon spending Rs. 15,000 or more within 90 days of card issuance. Further enhancing its allure, the card presents a lucrative 5% cashback on EMI transactions, capped at Rs. 1000, when utilised within the initial 30 days post card issuance. These enticing incentives not only reward early usage but also amplify the cardholder’s experience by seamlessly blending financial advantages with practical and tangible benefits. Explore the potential of this credit card as it transforms routine transactions into rewarding endeavours.

Travel Benefits

• Global Airport Privileges: Revel in complimentary airport meet and greet services, coupled with exclusive discounts on fast track immigration and other amenities at over 450 destinations worldwide.
• Limousine Discounts Worldwide: Enjoy substantial discounts on airport limousine services, spanning more than 3000 cities across 80 countries, ensuring seamless and stylish transportation.
• Comprehensive Concierge Assistance: Access a dedicated concierge service facilitating bookings for flights, hotels, dining, and various experiences, adding a touch of luxury to your travel endeavours.
• Luxurious Hotel Benefits: Experience premium stays with access to over 900 hotels globally, featuring perks like room upgrades, in-room WiFi, VIP status, continental breakfast, and a leisurely 3 PM check-out.
• Airport Lounge Access: Delight in up to 4 complimentary lounge visits per quarter at select domestic airports in India, providing an oasis of comfort and amenities.
• Railway Lounge Privileges: Enjoy the luxury of 4 complimentary railway lounge accesses every quarter, enhancing your travel experience across India.
• Complimentary Roadside Assistance: Receive complimentary roadside assistance valued at Rs. 1,399, ensuring peace of mind during your journeys.

Movie & Dining Benefits

• Cinematic Delight: Avail a compelling Buy 1 Get 1 offer on movie ticket bookings, up to Rs. 250 on the PayTM mobile app, utilising your IDFC First Select credit card. This exclusive perk can be enjoyed twice each month, adding an extra dimension to your entertainment.
• Gastronomic Treats: Indulge in a delectable dining experience with a generous up to 20% discount at over 1500 participating restaurants. Elevate your culinary adventures as you savour diverse cuisines, making every meal a delightful occasion with your IDFC First Select credit card.

Insurance Benefits

The IDFC First Bank Select credit card enriches the customer experience with an array of insurance benefits.

Insurance Covers	Amount
Travel Insurance Cover	Rs 22,500
Air Accident Cover	Rs 1 Crore
Personal Accident Cover	Rs 5,00,000
Lost Card Liability Cover	Rs 50,000
Loss of Checked-in Baggage	USD 500
Delay in Checked-in Baggage	USD 100
Loss of Passport	USD 300
Delay in Flight	USD 300

Low Forex Markup fee

The IDFC First Bank Select credit card stands out by offering substantial savings on international transactions, featuring an exceptionally low forex markup fee of just 1.99%.

Fuel Surcharge Waiver

Enjoy a 1% surcharge waiver on fuel transactions at every petrol pump nationwide with the IDFC First Bank Select credit card. Benefit from a maximum discount of Rs. 300, enhancing your savings on fuel expenses. 

IDFC First Select Credit Card Rewards

• Accelerated Rewards Program: The IDFC First Select credit card offers accelerated reward points, excluding fuel, EMI transactions, and cash withdrawals.
• Birthday Bonanza: Celebrate your birthday with up to 10x reward points for every Rs. 125 spent, enhancing the joy of your special day.
• Online Splurges Rewarded: Reap the benefits of up to 6x reward points on every Rs. 125 spent on online transactions, adding extra value to your digital purchases.
• Offline Spending Incentives: Earn 3x reward points for every Rs. 125 spent offline, including rental and property management transactions, up to Rs. 25,000.
• Utility and Insurance Rewards: Gain 1x reward point for every Rs. 125 spent on utility bills and insurance premium payments, ensuring consistent rewards for essential expenditures.

Reward Redemption

• Diverse Redemption Options: Unlock a multitude of redemption possibilities by utilizing accumulated reward points through the Poshvine reward portal or at exclusive partner merchant stores.
• Point-to-Cash Conversion: Each accumulated reward point holds a redemption value of Rs. 0.25, offering tangible value for every point earned on your IDFC First Select credit card.
• Non-Expiring Rewards: Enjoy the flexibility of non-expiring reward points that persist from one year to the next, ensuring your earned benefits remain accessible for future use.
• Nominal Redemption Fee: A modest reward redemption fee of Rs. 99 plus applicable taxes is applicable, providing an affordable avenue to access and utilize your accrued rewards.

IDFC First Select Credit Card Fees and Charges

• Fee-Free Advantage: Revel in the privilege of a lifetime free credit card with the IDFC First Select Credit Card, as it incurs zero joining and annual fees, ensuring cost-free ownership.
• Interest Spectrum: Experience a flexible interest structure ranging from 0.75% to 3.5% per month on the IDFC First Select Credit Card, catering to diverse financial preferences.
• Forex Efficiency: Engage in global transactions with ease, as the foreign currency markup fee is a mere 1.99% of the total transaction amount, making international spending more cost-effective.
• Cash Access Convenience: Obtain cash advances effortlessly with a nominal cash advance fee of Rs. 199 per transaction on the IDFC First Select Credit Card, providing financial flexibility when needed.

IDFC FIRST Select Credit Card Eligibility Criteria

• Age Criteria: Attain eligibility for the IDFC First Select Credit Card by meeting the minimum age requirement of 21 years, ensuring a suitable foundation for credit card ownership.
• Income Threshold: Qualify for this credit card by being either a salaried individual or a self-employed professional, boasting an annual income of Rs. 12 Lakh or higher, establishing financial stability.
• Creditworthiness Standard: Secure approval by maintaining a commendable credit score, underlining the importance of a positive credit history in the application process.

04. Standard Chartered Rewards Credit Card

Standard Chartered has recently unveiled its exclusive Rewards Credit Card, designed for avid retail shoppers. Boasting a zero joining fee and a manageable Rs. 1,000 renewal fee, which is subject to waiver based on your total annual spends in the preceding year, this card caters to the discerning consumer.

Delving into its rewarding nature, the card offers an impressive opportunity to earn up to 4x Reward Points on your expenditures. What sets it apart is the additional 4x Rewards bestowed upon achieving monthly spending milestones. Beyond the realm of rewards, the card extends enticing privileges, including complimentary lounge access at select domestic airport lounges and a spectrum of other benefits.

For a comprehensive understanding of the Standard Chartered Rewards Credit Card, its distinctive features, and a detailed breakdown of fees and charges, continue exploring below.

Standard Chartered Rewards Credit Cards Features 

and Benefits

Catering to avid shoppers, the recently introduced SC Rewards Credit Card is a tailor-made offering for those who seek to maximise their credit card usage in the realm of retail therapy. While shopping enthusiasts are at the forefront of its target audience, this card unfolds a tapestry of benefits beyond the shopping sphere. Herein lie the cardinal features that distinguish this credit card, ensuring a holistic and rewarding experience for its users.

Milestone Benefits

• Milestone Earnings: Upon reaching a monthly spend milestone of Rs. 20,000 on retail purchases, cardholders unlock the opportunity to earn a substantial 4x bonus Reward Points on all their retail expenditures.
• Monthly Reward Cap: Enjoy the benefits of this bonus earning scheme with a cap set at a maximum of 2,000 bonus Reward Points each month, ensuring a rewarding yet controlled accumulation based on monthly spending achievements.

Travel Benefits

Access an added perk with the Standard Chartered Rewards Credit Card, entitling you to 1 complimentary domestic lounge visit every quarter, translating to a total of 4 free visits annually.

Fuel Surcharge Waiver

Avail a convenient 1% fuel surcharge waiver on all transactions falling within the Rs. 400 to Rs. 2,000 range with the added benefit of a maximum monthly cap set at Rs. 400.

Spend-Based Waiver

Enjoy a renewal fee exemption of Rs. 1,000 by meeting the eligibility criterion of spending Rs. 3 lakhs or more in the preceding anniversary year as a cardholder.

SC Rewards Credit Card Reward Points

• Retail Splurges Rewarded: Revel in a rewarding spree with 4 Reward Points bestowed on every Rs. 150 spent on retail purchases, ensuring a lucrative return on your shopping endeavours.
• Government and Insurance Benefits: Earn 1 Reward Point for every Rs. 150 spent in government and insurance categories, offering a tailored reward structure for specific expenditures in these sectors.
• Fuel and Cash Prudence: Exercise prudence with no reward points earned on fuel purchases and cash withdrawals, maintaining a focus on rewarding experiences in other spending domains.

Reward Redemption

• Catalogue Redemption Value: Transform your earned Reward Points into tangible rewards by redeeming them against a plethora of products and vouchers featured in the Rewards catalogue, where 1 Reward Point is equivalent to Re. 0.25.
• Statement Balance Redemption: Alternatively, exercise flexibility by redeeming your Reward Points against the card’s statement balance, where each point holds a value of Re. 0.20, allowing for seamless adjustments and financial convenience.

Standard Chartered Rewards Credit Card Fees and Charges

• Joining and Renewal Dynamics: While the SC Rewards Credit Card boasts a zero joining fee, a renewal fee of Rs. 1,000 plus applicable taxes emerges from the second year onward. Remarkably, this fee is nullified upon accomplishing a spend threshold of Rs. 3 lakhs or more in the preceding year.
• Interest Regime: Navigate the financial landscape with an interest rate set at 3.75% per month on the Standard Chartered Rewards Credit Card, aligning with the cardholder’s monetary choices.
• Cash Advance Cost: Access cash conveniently with a cash advance fee pegged at 3% of the cash amount or a minimum of Rs. 300, providing a balanced approach to financial flexibility.
• Global Transaction Dynamics: For international spending, the foreign currency markup fee stands at 3.5% of the total transaction amount, ensuring transparency and efficiency in cross-border transactions.

SC Rewards Credit Card Eligibility Criteria

• Age Parameters: Prospective cardholders must fall within the age bracket of 18 to 65 years, ensuring a diverse yet discerning range of individuals are eligible for the Standard Chartered Rewards Credit Card.
• Financial Stability: Demonstrate financial stability by showcasing a consistent and stable monthly income, underscoring the bank’s commitment to extending credit to those with a reliable income source.
• Geographic Affiliation: Ensure alignment with the sourcing locations of Standard Chartered Bank, as the applicant should belong to these specified regions, fostering a connection between the cardholder and the bank’s operational network.

Conclusion:-

The SC Rewards Credit Card is an ideal choice for daily spenders, offering substantial savings with up to 8x Reward Points, inclusive of base and milestone rewards. Positioned as a formidable contender against competitors like YES Prosperity, Citibank, and SBI SimplySave, it stands out with a compelling reward rate and reasonable fees. If you seek a basic yet rewarding credit card, exploring the SC Rewards Credit Card’s features is a must. Share your thoughts on this card in the comments below!

05. American Express SmartEarn Credit Card

The American Express SmartEarn credit card stands as a reward-centric option, enabling the accumulation of Membership Reward Points through retail purchases, with accelerated points on specific websites. Notably, the card offers a remarkable 10X Reward Points on platforms like AJIO, Flipkart, Myntra, Uber, PVR, BookMyShow, and Zomato, while 5X Reward Points can be earned on Amazon and Paytm transactions. Food enthusiasts and the younger demographic enjoy an added perk with select SmartEarn Credit Card members receiving a complimentary 3-month Zomato Gold membership.

Positioned as an entry-level option within the American Express portfolio, the card presents a waiver on the annual membership fee upon crossing the Rs. 40,000 spending threshold in a year. Particularly appealing to young professionals, it’s an enticing choice for those seeking the brand value associated with an American Express card. Explore more to uncover the nuances of the American Express SmartEarn Credit Card.

American Express SmartEarn Credit Card Features and Benefits

Priced affordably at a mere Rs. 495 for joining, this credit card is a treasure trove of benefits, making it an ideal choice for individuals embarking on their credit journey.

Welcome Benefits

• Generous Welcome Benefit: Reap the rewards with a Rs. 500 cashback as a Welcome Benefit, achievable on eligible spends totaling Rs. 10,000 within the initial 90 days from the card issuance date.
• Inclusive Eligible Spends: Embrace the flexibility of earning the welcome cashback on a range of eligible spends, encompassing all transactions except for express cash transactions, cash advances, drafts, fees, and balance transfers.

Complimentary Zomato Gold Membership

• Exclusive Privilege for Select Cardholders: Enjoy an added perk as select cardholders receive a complimentary 3-month Zomato Gold Membership, unlocking a realm of culinary benefits.
• Enhanced Dining Experience: Revel in the perks of Zomato Gold, entailing complimentary delivery, exclusive discounts reaching up to 40%, and VIP access during peak hours, ensuring an elevated dining experience.
• Rewarding Spends: Elevate your membership by making eligible spends of Rs. 7,500 within a three-month period, allowing for the extension of your Zomato Gold benefits and adding more value to your culinary escapades.

Milestone Benefits

Enjoy the waiver of the annual membership fee by meeting the eligibility criteria of making eligible spends amounting to Rs. 40,000 or above in the preceding year of the card membership.

Movie and Dining Benefits

• Enhanced Earnings: Reap the rewards with an impressive 10X Membership Reward Points on Zomato, PVR, and BookMyShow, elevating your points accumulation.
• Zomato Cap: Experience a cap of 500 Reward Points (RPs) for Zomato transactions, ensuring a balanced and rewarding benefit.
• Partner Brands Limit: Navigate your points accumulation strategically with a maximum cap of 500 RPs for all other partner brands, providing a streamlined approach to your reward benefits.

Spend-Based Benefits

• Tiered Voucher Rewards: Unlock voucher rewards with the American Express SmartEarn Credit Card by spending Rs. 1.20 Lakh, securing a Rs. 500 voucher from top brands.
• Progressive Milestone: Elevate your rewards with an additional Rs. 500 voucher upon reaching the spending milestone of Rs. 1.80 Lakh during the card anniversary year.
• Maximised Benefits: Achieve a cumulative spend of Rs. 2.40 Lakh to claim an extra Rs. 500 voucher, ensuring a total voucher value of up to Rs. 1500 in a card membership year.
• Versatile Brand Choices: Redeem your earned vouchers from an array of top brands, including Amazon, Flipkart, PVR, MakeMyTrip, Lifestyle, Costa Coffee, Uber, Myntra, and Shoppers Stop, providing a diverse range of options for your preferences.

American Express SmartEarn Credit Card Rewards

• Baseline Earning: Accumulate 1 Membership Reward Point for every Rs. 50 spent, excluding specific categories like Fuel, Insurance, Utilities, Cash Transactions, and EMI conversion at POS.
• High-Octane Rewards: Experience 10X Membership Rewards Points on select brands, including BookMyShow, Uber, PVR, AJIO, Blinkit, Myntra, Flipkart, and Nykaa, capped at 500 points for all brands combined.
• Zomato Bonus: Earn 10X Membership Rewards Points on Zomato, reaching a monthly cap of 500 points, adding value to your culinary experiences.
• E-commerce Bonanza: Garner 5X Membership Rewards Points on Paytm and Amazon transactions, with a monthly limit of 250 points for each platform.
• Strategic Accumulation: Maximize your monthly rewards to 1,250 Membership Rewards Points by spending Rs. 2,500 each on Amazon and Flipkart (500 points), Rs. 2,500 on Uber rides (500 points), and Rs. 2,500 on 5X partner merchants like Paytm, Swiggy, etc. (250 points).

Reward Redemption

• Bill Payment Flexibility: Leverage your earned Membership Reward Points to offset your credit card charges, providing a convenient and flexible means of settling dues.
• Catalogue of Choices: Explore the Membership Rewards catalogue, featuring diverse categories such as shopping and travel, allowing you to redeem your points for a variety of rewards tailored to your preferences.
• Brand Vouchers: Opt for e-vouchers from renowned brands using your Reward Points, unlocking a spectrum of choices and enhancing the value of your redemptions.
• Transfer to Travel Programs: Elevate your travel experience by transferring Membership Rewards Points to various air miles and hotel loyalty programs, including Asia Miles, British Airways Executive Club, Emirates, Club Vistara, Skywards, Etihad Guest, Finnair Plus, InterMiles, Qatar Privilege Club, Singapore KrisFlyer, Virgin Points, Marriott Bonovoy, and Hilton Honors.

American Express SmartEarn Credit Card Eligibility

• Geographic Eligibility: Citizenship in specific cities – Delhi/NCR, Mumbai, Chennai, Bangalore, Pune, Hyderabad, Indore, Jaipur, Coimbatore, Chandigarh, Ahmedabad, Surat, Vadodara, Lucknow, Ludhiana, Nagpur, Mysuru, Trivandrum, and Nasik is a prerequisite.
• Income Criteria for Salaried Individuals: Salaried applicants need an annual income of Rs. 4.5 lakh to meet eligibility requirements.
• Income and Business History for Self-Employed Individuals: Self-employed individuals must have filed an income tax return of at least Rs. 6 lakh in the previous year, and their business should have been operational for a minimum of one year.
• Banking Presence: An essential criterion is the possession of a savings or current account in an Indian financial institution.
• Creditworthiness: A positive credit history is imperative, underscoring the importance of responsible financial behavior.
• Age Requirement: Eligibility extends to individuals aged 18 years and above, aligning with legal adulthood.

06. RBL Bank ShopRite Credit Card

In search of a credit card that optimises savings across your expenses? Look no further than the RBL Bank ShopRite credit card. Tailored for cost-conscious individuals, it offers exclusive rewards on grocery purchases and enticing discounts on movie tickets booked via Bookmyshow. Priced at a modest joining fee of Rs. 500, this card extends a generous welcome bonus of 2,000 Reward Points upon the first purchase within 30 days of card issuance. The annual fee of Rs. 500 is subject to waiver upon the cardholder’s expenditure exceeding Rs. 1.5 Lakhs in the preceding year. With the potential to earn up to 20 Reward Points on every Rs. 100 spent, this card empowers you to accumulate and effortlessly redeem points across diverse options of your preference. For a comprehensive understanding of the RBL Bank ShopRite Credit card’s benefits, fees, and charges, continue exploring below.

RBL Bank ShopRite Credit Card Features & Benefits

Welcome Benefits

• Generous Welcome Offer: Unlock a welcome bonus of 2,000 Reward Points as a new cardholder.
• Eligibility Criteria: Qualify for the welcome bonus by making your initial purchase within 30 days of receiving the RBL Bank ShopRite credit card and downloading the RBL MyCard mobile app.

Movie Benefits

• Cinematic Savings: Enjoy a 10% discount on movie tickets when booking through BookMyShow with your RBL Bank ShopRite credit card.
• Usage Frequency: This enticing discount is applicable up to 15 times annually, adding value to your movie-watching experiences.
• Convenient Redemption: Easily access the ‘RBL 10% discount offer’ by navigating to the ‘credit card offers’ section on the BookMyShow platform.

Joining and Renewal Fee Waiver

Achieve a renewal fee waiver by spending Rs. 1.5 Lakhs or more in an anniversary year, presenting a valuable incentive for cardholders.

Fuel Surcharge Waiver

Enjoy a 1% waiver on fuel surcharge for transactions ranging from Rs. 400 to Rs. 5,000 at all fuel stations, with a maximum monthly waiver capped at Rs. 100, enhancing the cost-effectiveness of your fuel expenses.

RBL Bank ShopRite Credit Card Rewards

• Universal Earning: Collect 1 Reward Point for every Rs. 100 spent on all purchases, excluding fuel transactions.
• Grocery Bonanza: Indulge in grocery shopping with a lucrative offer of 20 Reward Points for every Rs. 100 spent, with a monthly cap set at 1,000 Reward Points.

Rewards Redemption

• Online Redemption Process: Navigate to www.rblrewards.com and log in with your username and password to initiate the Reward Points redemption process.
• Diverse Redemption Options: Explore various options such as flights, hotels, recharge, shopping, gifts, and more to choose the category aligning with your preferences.
• Conversion Rate: Each Reward Point holds a value of Re. 0.25, ensuring transparency and clarity in the redemption process.
• Redemption Fee: A nominal redemption fee of Rs. 99 per redemption request applies, ensuring a streamlined and cost-effective redemption experience.

RBL Bank ShopRite Credit Card Review

Considering its myriad benefits, the RBL Bank ShopRite credit card emerges as an excellent option for avid shoppers. The card stands out by providing enhanced reward points for grocery purchases and exclusive discounts on BookMyShow movie tickets. With these notable advantages, the RBL ShopRite credit card proves to be a worthwhile addition to your credit card portfolio.

Furthermore, the card boasts a nominal joining and annual fee, with the annual fee potentially being waived upon surpassing a spend threshold of 1.5 lakh rupees in an anniversary year. This feature enhances the card’s attractiveness, making it a budget-friendly choice for those who frequently indulge in movie outings and grocery shopping. Opting for this card promises substantial savings through redeemable Reward Points across diverse categories, adding to its overall appeal.

07. Axis Bank Magnus Credit Card

The Magnus Credit Card stands out as a highly coveted offering in Axis Bank’s lineup, catering to affluent individuals seeking the epitome of luxury. Positioned as a super-premium card, it demands a joining fee of Rs. 12,500 but compensates with an array of exclusive travel, lifestyle, dining, and insurance perks.

Cardholders relish both domestic and international lounge access at airports, complemented by a 24*7 concierge service. Noteworthy is the card’s international transactions, subject to a favourable 2% Forex Markup fee. A distinctive feature is the absence of cash withdrawal charges, albeit with applicable interest charges. While the annual fee is relatively steep, a compelling waiver incentive emerges – spending 25 lakhs or more in the previous anniversary year can save you Rs. 12,500.

Explore our comprehensive review for deeper insights into the super-premium Magnus credit card’s features and benefits.

Axis Bank Magnus Credit Card Features and Benefits

The Magnus Credit Card from Axis Bank stands out as a popular and premium credit card, offering a plethora of enticing benefits spanning diverse categories such as travel and rewards.

Welcome Benefits:

The introductory offer has undergone a revision, with the exclusion of the Tata Cliq voucher selection on the Magnus credit card. Instead, cardholders now have the alternative to opt for a gift voucher worth Rs. 12,500 from a selection that includes Luxe, Postcard Hotels, or Yatra.

Travel Benefits:

Domestic Lounge Access

Primary and supplementary cardholders of the Magnus Credit Card enjoy unlimited access to domestic lounges at select airports throughout India. Additionally, the Priority Pass provides access to a curated list of lounges across various Indian locations:

• Agartala – Primus Lounge
• Allahabad and Prayagraj – Zesto Executive Lounge
• Amritsar – Costa Coffee
• Bhopal – Primus Lounge
• Cochin – Earth Lounge
• Dibrugarh – Primus Lounge
• Guwahati – The Lounge
• Kannur – Pearl Domestic Lounge
• Madurai – Primus Lounge
• Varanasi – Take Off Bar

International Lounge Access

Primary cardholders are entitled to unrestricted complimentary access to international airport lounges through the Priority Pass membership. This exclusive privilege extends beyond the cardholder, offering an extra benefit of 8 complimentary visits annually for accompanying guests.

Airport Concierge and VIP Meet & Greet

The Magnus Credit Card offers an array of premium services, including airport meet & greet and concierge assistance. Avail 8 complimentary VIP services providing support for airport procedures like check-in, security checks, immigration processes, and porter services.

Illustratively, at Delhi airport, experience the complimentary Atithya Silver service, valued at Rs. 2000 per adult for both departures and arrivals at select airports. Enjoy a gracious welcome at the aerobridge gate, porter assistance, golf cart gate transfers, and additional privileges. This airport Meet & Greet service extends to guests accompanying you on your travels.

Movie & Dining Benefits:

• BookMyShow Privilege: Secure Rs. 500 off on the next movie/non-movie ticket when purchasing one through BookMyShow. This perk is applicable up to 5 times per month.
• Dining Delights Program: Indulge in culinary experiences with up to a 40% discount at partner restaurants, capped at a maximum of Rs. 1000. For birthdays, relish a special offer of 50% off at partner restaurants, with savings reaching up to Rs. 3000.

24×7 Dedicated Concierge Service:

Access the 24×7 dedicated concierge service by dialling 1800 103 4962 for assistance with flight bookings, restaurant table reservations, exclusive events/shows, gift deliveries, and an array of personalised services.

Fuel Surcharge Waiver

Enjoy a 1% fuel surcharge waiver on transactions ranging from Rs. 400 to Rs. 4,000 at all fuel stations across India. The maximum waiver is capped at Rs. 400 per month. It’s noteworthy that while benefiting from the surcharge waiver, you won’t accrue reward points on fuel spends.

Spends Based Waiver:

Achieve a waiver of the annual membership fee by spending Rs. 25 lakhs in the previous anniversary year. Notably, this threshold excludes transactions related to wallet reloads and rent.

Axis Bank Magnus Credit Card Reward Points

• EDGE Reward Points Earnings:

• Earn 12 EDGE Reward Points for every INR 200 on cumulative monthly spends up to Rs. 1.5 Lakhs.
• Further, earn 35 EDGE Reward Points per Rs. 200 on cumulative monthly spends above Rs. 1.5 Lakhs.
• Travel Edge Portal:

• Earn 60 EDGE Reward Points for every Rs. 200 spent on the Travel Edge portal, up to cumulative transactions of Rs. 2 Lakhs per month.
• Earn 35 EDGE Reward Points per Rs. 200 spent on cumulative transactions exceeding Rs. 2 Lakhs per month.
• Rental Transactions:
• EDGE Rewards for rental transactions accrue only up to transactions of Rs. 50,000 per month.
• Pay a rental transaction charge of 1% of the total amount.
• Axis Bank Grab Deals:

• Get up to 5x Reward Points on purchases from various brands at the Axis Bank Grab Deals website.
• Maximum 5,000 EDGE Reward Points and a cashback of Rs. 1000 can be earned per customer per month.
• Gyftr Rewards:

• Earn up to 5x Reward Points with enticing discounts on Gyftr.
• No capping on the maximum number of reward points earned through the Gyftr portal.
• Cardholders can purchase only Rs. 20,000 worth of Amazon Pay gift cards and Rs. 10,000 worth of Amazon and Flipkart shopping gift vouchers per month from the Gyftr portal.

Following the completion of the calendar month, accelerated reward points are credited within 45 days from the end of the evaluation month. The calculation for accelerated reward points is derived as [Eligible Spends = (Total spends in the month – Rs. 1.5 Lakhs – Spends in the exclusion list – Spends on Travel Edge up to Rs. 2 Lakhs – Rent payments) x 23 reward points.

Categories Excluded from earning reward points – 

The following transactions are not included in the computation of reward points:

• Reloading and making payments from a wallet
• EMI finances
• Monthly rent payments that are incremental beyond Rs. 50,000; expenses for utilities and government agencies
• Refunded, reversed, or canceled transactions
• fees and charges on credit cards
• Money withdrawals
• Spending on the Grab Deals site, Gyftr, and Travel Edge up to Rs. 2 lakh each month

To retain the existing Miles Conversion ratio of 5:4 on the Magnus credit card, maintaining the Burgundy Private account relationship and obtaining the Burgundy Private credit card is necessary. No additional fees are charged by the bank for this exclusive feature on the credit card.

Reward Redemption:

You have the option to redeem your Axis EDGE REWARDS Points for instant vouchers, gifts, gadgets, and fashion accessories on the dedicated redemption portal. Each Edge Reward is valued at Re. 0.20.

Additionally, the earned EDGE REWARDS Points can be transferred to various Partner Airlines/Hotels Rewards Programs, including Club ITC, Marriott Bonvoy, Etihad Guest, KrisFlyer, United, Turkish Miles&Smiles, and more, at a conversion ratio of 5:2. This new ratio is effective from September 1, 2023, based on the updated terms and conditions of the Magnus credit card’s Miles Transfer program.

• You can transfer EDGE RPs to domestic and international partner hotel and airline loyalty programs with a revised ratio of 5:2, where 5 EDGE RPs equal 2 Partner Miles/Points.
• The annual limit for converting reward points is capped at 5,00,000 RPs per Customer ID in a calendar year. In 2023, cardholders can convert 5,00,000 reward points from September 1 to December 31.
• You are allowed to link only one Customer ID to a partner program loyalty membership at a given time. To link another ID, the cardholder must first delink the existing primary ID and then add the new one.
• For any updates to the partner program Customer ID at the Travel EDGE portal, the cardholder must wait for a minimum of 60 days.

To retain the existing Miles Conversion ratio of 5:4 on the Magnus credit card, maintaining the Burgundy Private account relationship and obtaining the Burgundy Private credit card is necessary. No additional fees are charged by the bank for this exclusive feature on the credit card.

New Magnus Credit Card for Burgundy

Axis Bank has commenced accepting applications for the recently launched New Magnus Credit Card exclusively for Burgundy customers. Notifications have been dispatched to customers through email, informing them of this development. The upgraded Magnus Credit Card enables users to earn four partner miles/points for every 5 EDGE Reward Points, representing an improvement from the previous card.

Joining Fees

Until November 30, 2023, there is no joining fee for the recently launched Magnus Credit Card exclusively available for Burgundy account holders. Seize this opportunity before the specified time period concludes.

Rewards

The reward configuration remains identical to the Magnus Credit Card, but with the new card, you can:

• Accumulate 4 Partner Miles for every 5 EDGE Reward Points.
• Attain up to 10 Lakh EDGE Reward Points.

Axis Bank Magnus Credit Card Fees and Charges

There are various fees and charges associated with the Axis Magnus Credit Card, with some of the key ones outlined below:

• The joining and annual fee for the card amount to Rs. 12,500. However, the renewal fee is exempted if you spend Rs. 25 lakhs or more in the preceding year. For cardholders enrolled before September 1, 2023, the old fee of Rs. 10,000 plus taxes still applies.
• The interest rate on this credit card is 3.0% per month, equivalent to an annual rate of 42.58%.
• The foreign currency markup fee for transactions in foreign currency is 2% of the total transaction amount.
• The cash advance fee for the Magnus credit card is nil, meaning there are no charges for cash withdrawals (interest charges are applicable).

Axis Bank Magnus Credit Card Eligibility Criteria

To be eligible for the Magnus Credit Card, you need to meet the following criteria:

• The primary cardholder should be aged between 21 and 70 years, while add-on cardholders should be above 18 years.
• Your annual income must be a minimum of Rs. 18 lakhs, applicable to both salaried and self-employed applicants.
• If you possess a credit limit of Rs. 3 Lakhs or more on any Axis Bank or other bank credit card, you are eligible to apply for the Magnus credit card.

Customer Care

For assistance or queries related to the Magnus Credit Card, you can contact Axis Bank’s retail phone banking numbers at 1860 419 5555 or 1860 500 5555. In case of card blocking, you may reach the 24×7 helpline at +91 22 67987700.

08. Standard Chartered Ultimate Credit Card

Launched in September 2017, the Standard Chartered Ultimate credit card stands out as the bank’s most premium offering, catering to high-income individuals seeking an opulent lifestyle. Positioned in direct competition with counterparts like ICICI Bank Sapphiro and HDFC Bank Infinia, this card, initially available in two variants, now features the MasterCard World variant, as the Visa Infinite variant has been discontinued. Offering exclusive perks such as golf services and Priority Pass membership, the card is tailored to meet the diverse needs of affluent customers.

In addressing international travel requirements, Standard Chartered has maintained a competitive foreign currency exchange rate of 2%, coupled with a 5% cashback on duty-free purchases at airports. Functioning on a Reward Points system, the card provides 5 Rewards for every Rs. 150 spent, which can be redeemed for shopping vouchers or charitable donations through the Standard Chartered 360° rewards program.

Standard Chartered Ultimate Credit Card Features & Benefits

Standard Chartered Ultimate Credit Card Welcome Benefits

Upon enrollment, the Standard Chartered Ultimate credit card rewards you with 6,000 points—a welcome bonus that opens avenues for shopping vouchers and charitable contributions within the 360° rewards program.

Standard Chartered Ultimate Credit Card Rewards

• Gain 5 Reward Points for every Rs. 150 spent on retail purchases.
• For specific categories like utilities, supermarkets, insurance, property management, schools, government, and rental payments, enjoy 3 Reward Points per Rs. 150 spent.
• Avail a 5% cashback on duty-free store purchases at airports, with a monthly maximum cashback of Rs. 1,000.
• No reward points accrue for fuel and cashback transactions.

Rewards Redemption

• Redeem earned reward points for shopping vouchers (brands include Nykaa, Croma, Shoppers Stop, etc.) and charity spends through the Standard Chartered online portal in the 360° rewards program.
• The value of 1 reward point is Re. 1.
• Earned rewards expire three years from the accumulation date.

Standard Chartered Ultimate Credit Card Travel Benefits

• Complimentary Priority Pass membership provided.
• Enjoy 4 free domestic lounge accesses per calendar quarter.
• Receive 1 free international airport lounge visit every calendar month.
• For 1 complimentary international lounge access per month, spend Rs. 20,000 or more in the previous month with your credit card.
• Additional visits and guest visits incur a Priority Pass usage fee.

Golf Benefits

• Avail 1 complimentary round of golf every month at selected domestic golf courses.
• Receive 1 free golf coaching session at selected domestic golf courses.

Fuel Surcharge

• Enjoy a 1% fuel surcharge waiver on all fuel transactions at Indian petrol pumps.
• The maximum fuel surcharge waiver is capped at Rs. 1000 per month.

Standard Chartered Ultimate Credit Card Foreign Currency Markup

• Enjoy a lower effective foreign currency markup with the Standard Chartered Ultimate credit card.
• While the standard markup is 3.5%, you receive a 1.5% cashback within 60 days.
• This results in an effective foreign currency markup of only 2%.

Standard Chartered Ultimate Credit Card Eligibility

• Age requirement: Applicants must fall within the age range of 21 to 65 years.
• Stable income: A reliable monthly income source is a prerequisite for eligibility.
• Good credit score: Ensure you possess a satisfactory credit score.

Read more:-American Express Credit Card