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Features of the Standard Chartered Rewards+ Credit Card

  • Base Reward Points: The Standard Chartered Rewards+ Credit Card offers a rewarding structure for cardholders, providing 4 reward points for every INR 150 spent on retail purchases, excluding government, insurance, and fuel transactions. This base reward rate ensures that cardholders earn points on a wide range of everyday spends, such as shopping, dining, and online purchases, making it ideal for those who frequently use their credit card for retail transactions.
  • Bonus Reward Points: For cardholders who exceed a monthly spending threshold of INR 20,000 on retail purchases, the card offers an additional 4 reward points per INR 150 spent, effectively doubling the reward rate to 8X reward points on qualifying spends. However, this bonus is capped at 2,000 bonus reward points per statement cycle, ensuring a balanced yet lucrative rewards system for high spenders. This feature encourages cardholders to consolidate their spending on the card to maximize rewards.
  • Reward Points on Specific Categories: For transactions in government and insurance categories, the card offers 1 reward point per INR 150 spent. While this is lower than the retail reward rate, it ensures that even these essential expenses contribute to the cardholder’s reward balance, adding versatility to the card’s earning potential.
Credit Card Promotion
    • Reward Points Structure: One of the standout features of the Visa Infinite Credit Card is its robust rewards program, known as the Standard Chartered 360° Rewards Programme. Cardholders earn:
      5 reward points for every INR 100 spent on overseas transactions or retail fashion purchases. This high earning rate makes it particularly attractive for frequent international travelers or those who indulge in luxury shopping. For example, a cardholder spending INR 50,000 on international shopping would earn 2,500 reward points, equivalent to significant redemption value.
      2 reward points for every INR 100 spent on all other categories, ensuring that even routine purchases contribute to reward accumulation. For instance, spending INR 20,000 on groceries or utilities would yield 400 points. The points have no expiry date in many regions, allowing cardholders to accumulate rewards over time without pressure to redeem them hastily. This flexibility is ideal for those who prefer to save points for significant redemptions, such as luxury goods, travel, or exclusive experiences. The rewards program is accessible through Standard Chartered’s online portal, where cardholders can browse an extensive catalogue of redemption options, including electronics, gift vouchers, and air miles. The program’s versatility ensures that it caters to diverse preferences, from tech enthusiasts to frequent flyers.
    • Airport Lounge Access: Travel benefits are a cornerstone of the Visa Infinite Credit Card’s features. Cardholders enjoy:
      4 complimentary domestic lounge accesses per calendar quarter through the Visa Infinite Lounge Program, available at select airports in India, such as Delhi, Mumbai, Bangalore, and Chennai. This is a significant perk for frequent domestic travelers, offering a comfortable space to relax before flights, complete with amenities like gourmet food, beverages, Wi-Fi, and business facilities.
      Complimentary Priority Pass membership, which provides access to over 1,000 international lounges worldwide. However, international lounge visits may be subject to specific conditions, such as maintaining a minimum Funds Under Management (FUM) of INR 30 Lakh at an individual account level. For qualifying cardholders, this translates to 2 international lounge visits per month, enhancing the travel experience with access to premium amenities like shower facilities, quiet zones, and high-speed internet. For example, a cardholder traveling through Dubai International Airport could access the Marhaba Lounge, enjoying a luxurious pre-flight experience. The lounge access benefits are particularly valuable for frequent travelers, as they reduce the stress of long layovers and provide a premium travel experience.
    • Contactless Payment Technology: The card supports contactless payments, enabling quick and secure transactions at compatible terminals. This feature is particularly useful for small, everyday purchases, as it allows cardholders to tap and pay without entering a PIN for transactions below a certain threshold (e.g., INR 5,000 in India). The contactless feature is powered by Visa payWave technology, ensuring compatibility with a wide range of merchants globally. Additionally, the card integrates with digital wallets like Apple Pay, Google Pay, and Samsung Pay, allowing cardholders to make payments using their smartphones or smartwatches. This reduces the need to carry physical cards, enhancing convenience and security, especially in high-traffic environments like airports or shopping malls. The contactless feature is particularly appealing to tech-savvy users who prioritize speed and efficiency in their transactions.
    • 3D Secure OTP Verification: The card is equipped with 3D Secure OTP verification for online transactions, ensuring enhanced security against unauthorized use. This feature provides peace of mind when shopping online or making digital payments.
    • Contactless Payment Security: The contactless payment feature is backed by advanced encryption technology, ensuring that transactions are secure and protected from fraud. This makes the card suitable for everyday use in a variety of retail environments.
    • Supplementary Cards: Cardholders can extend the benefits of the Rewards+ Credit Card to family members by applying for supplementary credit cards at no additional cost. All reward points earned through supplementary card transactions are credited to the primary cardholder’s account, enhancing the overall rewards accumulation.
    • No Joining Fee: The Rewards+ Credit Card has no joining fee, making it accessible for new cardholders without an upfront cost. This feature lowers the barrier to entry for those looking to benefit from the card’s rewards program.
    • Annual Fee and Waiver: The card carries an annual fee of INR 1,000, which is waived if the cardholder spends INR 3,00,000 or more in the previous anniversary year. Alternatively, cardholders who pay the annual fee receive 4,000 reward points, effectively offsetting the fee’s cost through redeemable rewards.
    • Digital Banking Integration: The card integrates seamlessly with Standard Chartered’s online banking and SC Mobile app, allowing cardholders to manage their account, view reward points, pay bills, and redeem rewards conveniently. The app also supports instant payment solutions like BharatQR, Bharat Bill Payment Solution (BBPS), and Samsung Pay, enhancing the card’s utility for digital transactions.
    • No Cap on Base Reward Points: Unlike the bonus points, there is no cap on base reward points earned on retail spends, allowing cardholders to accumulate rewards without restrictions on their everyday purchases.
    • Processing Fee for Rent Payments: party platforms, effective from April 2, 2023. This fee is levied by the 15th of the following month and is clearly indicated in the monthly statement, ensuring transparency. This comprehensive set of features makes the Standard Chartered Rewards+ Credit Card a versatile and rewarding option for individuals seeking value from their credit card usage across retail, travel, and lifestyle categories.
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Benefits of the Standard Chartered Rewards+ Credit Card

  • High Reward Earning Potential:
    The Standard Chartered Rewards+ Credit Card offers a wide array of benefits that enhance the cardholder’s financial flexibility, lifestyle, and savings potential. Below, we delve into the various advantages, from reward accumulation to travel perks and financial management tools, making this card a valuable addition to any wallet.
  • Accelerated Rewards on Retail Spends:
    The card’s 8X reward points on retail spends above INR 20,000 per month provide significant earning potential for frequent shoppers. For example, spending INR 30,000 on retail purchases in a month could yield up to 8,000 reward points (4,000 base points + 4,000 bonus points, capped at 2,000 bonus points), translating to INR 2,000 in rewards catalog value or INR 1,600 as a statement credit.
    • >Versatile Redemption Options: The Standard Chartered 360° Rewards Portal offers a diverse range of redemption options, from gift vouchers for popular retailers to travel bookings and charitable donations. The ability to redeem points at INR 0.25 per point for catalog items or INR 0.20 per point for statement credits provides flexibility, catering to varied cardholder preferences.
    • Non-Expiring Reward Points: The absence of an expiry date on reward points is a significant benefit, allowing cardholders to accumulate points over time for high-value redemptions.
    • Travel Benefits: The 4 complimentary domestic lounge visits per year (1 per quarter) enhance the travel experience by providing access to airport lounges across India.
    • Complimentary Lounge Access: This benefit offers cardholders a comfortable space to relax, enjoy refreshments, and access Wi-Fi before flights, adding value for frequent travelers.
    • Fuel Surcharge Waiver: The 1% fuel surcharge waiver (up to INR 400 per month) on transactions between INR 400 and INR 2,000 helps reduce fuel expenses, a practical benefit for cardholders who drive regularly.
    • Financial Flexibility:This is particularly beneficial for managing large expenses, such as buying appliances or funding travel, by spreading payments over 3 to 24 months.
    • EMI Conversion: The Kuch Bhi on EMI feature allows cardholders to convert purchases above INR 2,000 into affordable EMIs without processing fees.
    • Dial-a-Loan Facility: The Dial-a-Loan option provides access to loans up to INR 5,00,000 with repayment tenures from 12 to 60 months.
    • Balance Transfer: The ability to transfer balances from other bank credit cards up to INR 5,00,000 at competitive interest rates helps cardholders consolidate debt and manage payments more effectively.
    • Convenience and Security:
    • Contactless Payments: The card’s contactless payment capability ensures quick and secure transactions at POS terminals, reducing the need to carry cash and speeding up checkouts.
    • Enhanced Online Security: The 3D Secure OTP verification for online transactions protects against fraud, providing cardholders with confidence when shopping online.
    • Supplementary Cards: The option to issue lifetime-free supplementary cards to family members extends the card’s benefits, such as reward points and lounge access, to loved ones.
    • Cost-Effective Fee Structure:
    • No Joining Fee: The absence of a joining fee makes the Rewards+ Credit Card accessible to new cardholders, allowing them to start earning rewards without an upfront cost.
    • Annual Fee Waiver: The INR 1,000 annual fee can be waived by spending INR 3,00,000 or more in the previous year, rewarding active cardholders with cost savings.
    • Lifestyle Enhancements:
    • Good Life Programme: The Standard Chartered Good Life Programme offers exclusive discounts and offers across dining, shopping, and travel.
    • Digital Banking Convenience: Integration with Standard Chartered’s online banking and SC Mobile app allows cardholders to manage their account, track reward points, pay bills, and redeem rewards seamlessly.
    • Additional Benefits:
    • No Cap on Base Reward Points: The lack of a cap on base reward points allows cardholders to earn unlimited points on retail spends, providing significant value for those who use the card frequently.
    • Timely Payment Reminders: The bank sends timely payment reminders to ensure cardholders stay on top of their credit card bills, helping maintain a good credit score and avoid late payment fees.
    • Replacement Card Support: In case of a lost or stolen card, Standard Chartered provides prompt customer support to block the card and issue a replacement card, ensuring minimal disruption to the cardholder’s financial activities.

How to Apply for the Standard Chartered Rewards+ Credit Card

  • Online Application Process:
  • Visit the Official Website: Begin by visiting the Standard Chartered Bank India website or the dedicated credit card application portal at https://apply.standardchartered.co.in/credit-card/. Navigate to the credit card section and select the Rewards+ Credit Card.
  • Check Eligibility: Use the eligibility checker tool by entering your mobile number, income, and city of residence to get an instant in-principle decision.
  • Fill the Application Form: Enter personal and employment details like name, DOB, income, PAN, address, and employer information. Ensure accuracy to avoid processing delays.
  • Submit KYC Details: Upload required documents (identity, address, income proofs) and complete a video KYC with a bank official for verification.
  • Document Upload: Upload clear, legible copies of required documents through the secure portal in PDF or JPEG format.
  • Application Submission: Review and submit the form. You'll receive a confirmation email/SMS with a reference number for tracking.
  • Bank Verification: A representative will contact you within 1–3 business days to verify your details and documents.
  • Approval and Card Delivery: After internal checks, approved cards are dispatched in 7–15 working days. Delays may occur if additional info is required.
  • Offline Application Process:
  • Visit a Branch: Go to the nearest Standard Chartered Bank branch in eligible sourcing cities (e.g., Mumbai, Delhi, Bangalore, etc.).
  • Obtain the Application Form: Request and fill the Rewards+ Credit Card form with correct personal, income, and employment details.
  • Submit the Application: Attach physical copies of documents and submit the form to branch staff. Get an acknowledgment for tracking.
  • Verification Process: Expect a call or visit from a bank representative to verify the submitted documents and details.
  • Approval and Card Delivery: If approved, the card is dispatched within 7–15 working days to your registered address.
  • Tips for a Successful Application:
  • Check Credit Score: Ensure your credit score is 700+ before applying. Improve it by clearing dues and correcting errors if needed.
  • Ensure Accurate Information: Avoid mistakes in form filling to prevent rejection or delays.
  • Apply from a Sourcing City: Confirm that you reside in an eligible sourcing city listed by the bank.
  • Prepare Documents in Advance: Have all required documents ready, updated, and matching the form details.
  • Follow Up on Status: Track your application using the reference number or contact customer care to address any pending issues.
  • Post-Application Steps:
  • Activate the Card: Once received, activate the card via the SC Mobile app, net banking, or customer care. Re. 1 transaction may be required for confirmation.
  • Register for Online Banking: Set up online or mobile banking to manage your card, pay bills, and track rewards.
  • Review Terms: Go through the Most Important Document (MID) to understand fees, charges, and card usage policies.

Eligibility Criteria for Standard Chartered Rewards+ Credit Card

  • 1. Age Requirements
    • Primary Cardholder: Applicants must be between 18 and 65 years of age.
    • Supplementary Cardholder: Must be at least 18 years old. No upper age limit for supplementary cards.
  • 2. Income Requirements
    • Stable Monthly Income: Minimum gross income of approximately INR 25,000/month for salaried individuals (not officially disclosed by the bank).
    • Salaried Applicants: Must provide salary slips or bank statements showing consistent income. Typically, at least 6–12 months with current employer is preferred.
    • Self-Employed Applicants: Must show stable income through ITRs or certified financials and proof of business continuity (2–3 years preferred).
  • 3. Residential Requirements
    • Sourcing Cities: Applicants must reside in sourcing cities like Mumbai, Delhi, Bangalore, Chennai, Kolkata, Hyderabad, Pune, Ahmedabad, etc.
    • Address Proof: Applicants must submit valid proof of both current and permanent addresses. Additional proof may be requested if addresses differ.
  • 4. Credit History and Score
    • Preferred Credit Score: 700 or above, evaluated via CIBIL, Experian, or Equifax.
    • Key Factors:
      • Timely repayment history with no defaults or late payments.
      • Credit utilization ratio below 30% of total credit limit.
      • Avoid multiple credit inquiries before applying.
      • Lower debt-to-income (DTI) ratio, preferably under 40%.
  • 5. Nationality and Residency Status
    • Applicant must be a resident of India.
    • NRIs may be considered under specific bank-defined conditions, subject to additional documentation.
  • 6. Employment Status
    • Salaried Individuals: Must work for a reputable organization and submit proof of employment (e.g., ID card, salary slips).
    • Self-Employed Individuals: Businessmen, consultants, or professionals (e.g., doctors, lawyers) must provide evidence of income stability and business continuity.
  • 7. Existing Relationship with Standard Chartered
    • Existing bank customers may enjoy faster approval and simplified document requirements.
    • For example, Re. 1 transaction from an existing SC card may confirm new card acceptance, if KYC is already updated.
  • 8. Internal Policy Checks
    • Application undergoes internal verification of income, employment, credit history, and debt levels.
    • Applicants with existing loans or cards are assessed for overall repayment capacity.
  • 9. Tips to Improve Eligibility
    • Improve credit score by making timely payments and reducing balances.
    • Stabilize income by avoiding frequent job changes.
    • Reduce DTI by clearing existing debt before applying.

Documents Required for Standard Chartered Rewards+ Credit Card Application

  • Identity Proof:
    • Aadhaar Card: Widely accepted and preferred due to its unique identification number (masked Aadhaar acceptable).
    • PAN Card: Mandatory for tax purposes and may be required alongside another ID proof.
    • Passport: Must be valid and include photograph and signature.
    • Voter ID Card: Issued by the Election Commission of India.
    • Driving License: Valid and issued by the Regional Transport Office (RTO).
    • Government ID Card: Any other valid government-issued photo identity card.
  • Address Proof:
    • Aadhaar Card: Must include current address.
    • Passport: Must reflect current/permanent address.
    • Driving License: Must be valid and show the current address.
    • Voter ID Card: Must reflect current residential address.
    • Utility Bills: Electricity, water, or gas bills issued within the last 3 months.
    • Job Card (NREGA): Signed by a State Government officer.
    • National Population Register Letter: Containing valid name and address details.
  • Income Proof:
    • Salaried Individuals:
      • Latest 1-month salary slip.
      • Bank statement showing salary credits (last 3–6 months preferred).
      • Form 16: Latest issued by employer with income and tax details.
    • Self-Employed Individuals:
      • Latest Income Tax Returns (1–2 years) with computation, CA certified.
      • Certified Financial Statements: Profit & Loss and balance sheets (last 1–2 years).
      • Business Continuity Proof: GST registration, shop & establishment license, or professional license.
  • Additional Documents:
    • Passport-Sized Photograph: Recent (within the last 6 months).
    • Application Form: Fully filled and signed (online or offline as applicable).
  • Existing Standard Chartered Customers:
    • If KYC is up-to-date, minimal documentation is required.
    • A Re. 1 transaction from an existing SC credit card may confirm acceptance of the new card’s terms.
  • Tips for Document Submission:
    • Ensure all documents are clear, legible, and free from tampering.
    • Scan in high resolution for online submission (PDF or JPEG preferred).
    • Match application form details with document information to avoid mismatches.
    • Keep copies for your own records and future reference.
    • Update KYC records if Aadhaar/address has changed before applying.
    • Use only recent documents (within the past 3–6 months).
  • Verification Process:
    • Physical Verification: For offline applications, address may be verified in person.
    • Video KYC: Used for online applications to verify identity in real-time.
    • Credit Bureau Check: Conducted via CIBIL, Experian, etc., to assess credit score and history.
  • Eligibility Criteria:
    • Applicant must be at least 21 years old (primary cardholder).
    • Minimum income requirement may vary depending on location and employment type.
  • Digital Signature & OTP:
    • Online forms may require digital signatures or Aadhaar-based OTP authentication for completion.
  • Co-applicant or Joint Holder:
    • If applying jointly (rare), each applicant must submit full documentation individually.
  • Rejected Application Follow-Up:
    • In case of rejection, applicants can reapply after resolving documentation or credit issues.
  • Document Format and Size Limits:
    • Files must be under 5MB and submitted in JPEG, PNG, or PDF format.
    • Blurry or partial uploads may result in processing delays or rejection.

Factors Affecting Eligibility for Standard Chartered Rewards+ Credit Card

  • Credit Score:

    A credit score of 700 or above is a critical factor for approval. Standard Chartered assesses the applicant’s creditworthiness through credit bureaus like CIBIL, Experian, or Equifax. A high score indicates responsible credit behavior, such as timely repayments and low credit utilization.

    Improving Credit Score:

    • Pay all EMIs and credit card bills on time.
    • Reduce credit card balances to below 30% of the credit limit.
    • Avoid multiple credit applications to prevent hard inquiries.
    • Dispute any inaccuracies in your credit report with the bureau.
  • Income Stability:

    A stable monthly income is essential to demonstrate repayment capacity.

    • Salaried Applicants: Should have consistent employment history.
    • Self-Employed Applicants: Need to show business continuity and reliable income through ITRs or financial statements.
  • Debt-to-Income Ratio (DTI):

    The DTI ratio (total monthly debt payments divided by monthly income) should ideally be below 40%. A high DTI ratio indicates that a significant portion of income is allocated to debt repayment, reducing the likelihood of approval.

  • Residential Location:

    Sourcing Cities Requirement: Standard Chartered only accepts applications from residents of credit card sourcing cities. Living outside these cities can lead to automatic rejection unless you provide a valid address in an eligible city.

    Address Verification: The bank verifies the applicant’s address through documents and, in some cases, physical visits. Discrepancies between the provided address and actual residence can result in rejection.

  • Employment Status:
    • Salaried Applicants: Must provide proof of employment with a reputable organization. A stable job history (e.g., at least 6 months with the current employer) is preferred.
    • Self-Employed Applicants: Face stricter scrutiny due to income variability. The bank assesses business continuity, financial stability, and income consistency through documents like ITRs and business licenses.
  • Credit History:
    • Payment History: A history of timely payments on loans and credit cards strengthens your application. Defaults, late payments, or settlements can negatively impact eligibility.
    • Existing Credit Obligations: The bank evaluates your existing loans and credit card balances. High outstanding balances or multiple active credit lines can signal over-leveraging, reducing approval chances.
  • Relationship with Standard Chartered:

    Existing customers with a Standard Chartered savings account, fixed deposit, or credit card may receive preferential treatment. A good banking relationship, such as regular transactions or timely repayments, can enhance eligibility.

  • Application Accuracy:

    Providing accurate and complete information in the application form is crucial. Discrepancies in details like name, address, or income can lead to rejection or delays in processing.

  • Additional Factors:
    • Age and Nationality: Applicants must meet the age criteria (18–65 years) and be Indian residents. Non-compliance with these requirements results in automatic ineligibility.
    • Internal Bank Policies: Standard Chartered’s internal credit and policy checks play a significant role. These include proprietary risk assessment models that evaluate factors like credit utilization, repayment behavior, and overall financial health.
    • Economic and Market Conditions: Broader economic factors, such as market conditions or changes in the bank’s credit policies, may influence approval decisions. For example, during economic downturns, banks may tighten eligibility criteria.
  • Enhance Credit Profile: Pay off outstanding debts, maintain low credit card balances, and ensure timely bill payments to boost your credit score and demonstrate financial discipline.
  • Consolidate Debt: Reduce your DTI ratio by consolidating high-interest debts or paying off smaller loans before applying.
  • Choose the Right Time: Avoid applying during periods of financial instability, such as job changes or significant debt repayments, as these can negatively impact your profile.

Frequently Asked Questions (FAQs) - Standard Chartered Rewards+ Credit Card

1. What is the Standard Chartered Rewards+ Credit Card?
The Standard Chartered Rewards+ Credit Card is a rewards-focused credit card designed for individuals who frequently spend on retail, dining, and lifestyle categories. It offers accelerated reward points, complimentary airport lounge access, fuel surcharge waivers, and flexible EMI options, making it ideal for those seeking value from everyday spending.
2. What are the key features of the Rewards+ Credit Card?
The card offers:
  • 4 reward points per INR 150 spent on retail purchases
  • 8X reward points (additional 4 points per INR 150) for monthly retail spends above INR 20,000 (capped at 2,000 bonus points per statement cycle)
  • 1 reward point per INR 150 on government and insurance transactions
  • 1 complimentary domestic lounge visit per quarter (4 per year)
  • 1% fuel surcharge waiver (up to INR 400/month) for transactions between INR 400 and INR 2,000
  • Contactless payments, EMI conversion, Dial-a-Loan, and balance transfer options
  • No joining fee and an annual fee of INR 1,000 (waived on spending INR 3,00,000 annually)
3. How do I earn reward points on the Rewards+ Credit Card?
You earn:
  • 4 reward points for every INR 150 spent on retail purchases (excluding government, insurance, and fuel)
  • 8X reward points (total) on monthly retail spending above INR 20,000 (capped at 2,000 bonus points)
  • 1 reward point per INR 150 on government and insurance transactions
4. Do the reward points expire?
No, the reward points earned on the Standard Chartered Rewards+ Credit Card never expire.
5. How can I redeem my reward points?
Reward points can be redeemed via the Standard Chartered 360° Rewards Portal for:
  • Gift vouchers from brands like Nykaa, Croma, and Shoppers Stop
  • Travel bookings, lifestyle products, or charitable donations
  • Statement credit against your card balance
Redemption value:
  • 1 point = INR 0.25 for catalog items
  • 1 point = INR 0.20 for statement credits
A minimum of 1,000 points is required for redemption.
6. What is the annual fee for the Rewards+ Credit Card?
There is no joining fee. The annual fee is INR 1,000 and is waived on spending INR 3,00,000 in the previous year. Alternatively, paying the fee grants 4,000 reward points (worth INR 1,000 in catalog value).
7. Who is eligible to apply for the Rewards+ Credit Card?
Eligibility:
  • Age 18–65 years
  • Minimum monthly income of INR 25,000 for salaried individuals
  • Residing in a Standard Chartered card sourcing city
  • Credit score of 700 or above
  • Indian resident (NRIs must check with the bank)
8. What documents are required to apply for the card?
Required documents:
  • Identity Proof: Aadhaar Card, Passport, Voter ID, Driving License, or PAN
  • Address Proof: Aadhaar Card, Passport, Voter ID, Driving License, or utility bill
  • Income Proof:
    • Salaried: Latest salary slip, 3–6 months bank statement, or Form 16
    • Self-employed: Latest 1–2 years’ ITR, financials, or proof of business
  • Recent passport-size photo
  • Duly filled application form (offline)
9. How can I apply for the Rewards+ Credit Card?
  • Online: Visit www.sc.com/in or apply.standardchartered.co.in, fill the form, upload documents, and complete Video KYC
  • Offline: Visit a branch, submit documents, and undergo in-person verification
Track your application using the reference number provided.
10. How long does it take to receive the card after applying?
After approval, the card is usually dispatched within 7–15 working days. Delays may occur due to document verification or address confirmation.
11. What is the credit limit on the Rewards+ Credit Card?
The limit varies by applicant and depends on income, credit score, and internal bank criteria. Typical limits range from INR 50,000 to INR 5,00,000 or more.
12. What is the fuel surcharge waiver benefit?
A 1% fuel surcharge waiver is applicable on transactions between INR 400 and INR 2,000. The maximum waiver is INR 400 per month.
13. What are the lounge access benefits?
You get 1 complimentary domestic airport lounge visit per calendar quarter, totaling up to 4 visits per year, subject to a minimum spend requirement.
14. Can I convert purchases into EMIs?
Yes, purchases above INR 2,000 can be converted to EMIs through the “Kuch Bhi on EMI” program. Tenures range from 3 to 24 months, with zero processing fees.
15. What is the Dial-a-Loan facility?
The Dial-a-Loan facility offers loans up to INR 5,00,000 with repayment periods from 12 to 60 months, without requiring additional paperwork.

List of Standard Chartered Rewards+ Credit Card Karnataka Bank Branches

  • Bangalore - M G Road
  • Bangalore - Koramangala
  • Bangalore - Indiranagar
  • Bangalore - Jayanagar
  • Bangalore - Whitefield
  • Bangalore - Malleswaram
  • Bangalore - Banashankari
  • Bangalore - HSR Layout
  • Bangalore - Electronic City
  • Bangalore - Basavanagudi
  • Bangalore - J P Nagar
  • Bangalore - Rajajinagar
  • Karnataka - Bangalore
  • Mysore - V V Mohalla
  • Mysore - Saraswathipuram
  • Mysore - Siddhartha Layout
  • Karnataka - Mysore
  • Mangalore - Hampankatta
  • Mangalore - Kankanady