Platinum Rewards Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: Standard Chartered Bank
Network: Visa | Tier: Entry
The Platinum Rewards Credit Card is an Entry Visa credit card issued by Standard Chartered Bank, best suited for beginners. It carries a joining fee of NIL, with an interest rate of 3.75% per month. Key benefits include LTF rewards and Reward points. On fees — No airport lounge access; Foreign transaction markup: 3.5%; Fuel surcharge: 1% waiver. Applicants typically need ₹2,00,000/year to qualify. It falls under the Entry-level and Fuel category on CreditCardHunt.
Affiliate disclosure: some links on this page are affiliate links and CreditCardHunt.in may earn a commission if you apply. It does not change our ratings or recommendations and costs you nothing extra. Full disclosure.
Why Choose the Platinum Rewards Credit Card?
The Platinum Rewards Credit Card is a Entry-tier Visa credit card issued by Standard Chartered Bank, rated 4.2/5 by the Credit Card Hunt editorial team. It is best suited for Beginners. With a reward rate of Reward points and an annual fee of NIL, it ranks among the popular Entry-level cards in India in 2026.
New cardholders are welcomed with None, which adds immediate value in the first year.
Platinum Rewards Credit Card Fees & Charges
| Annual Fee | NIL |
|---|---|
| Joining Fee | NIL |
| Interest Rate | 3.75% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
Platinum Rewards Credit Card Rewards & Benefits
| Reward Rate | Reward points |
|---|---|
| Welcome Bonus | None |
| Lounge Access | None |
| Best For | Beginners |
Key Highlights of the Platinum Rewards Credit Card
- LTF rewards
- Reward points
Platinum Rewards Credit Card Eligibility Criteria
- Age: 21-65 years
- CIBIL score: 700+
- Minimum income: ₹2,00,000/year
Minimum Income Required: ₹2,00,000/year
Advantages of the Platinum Rewards Credit Card
- No annual fee — a highlight among Standard Chartered Bank's entry lineup.
Drawbacks of the Platinum Rewards Credit Card
- Basic rewards may not suit every applicant.
Platinum Rewards Credit Card — Frequently Asked Questions
What is the annual fee of the Platinum Rewards Credit Card?
The Platinum Rewards Credit Card has an annual fee of NIL and a joining fee of NIL. New cardholders receive None as a welcome benefit, which helps offset the joining cost.
Does the Platinum Rewards Credit Card offer airport lounge access?
No, the Platinum Rewards Credit Card does not include complimentary airport lounge access. If lounge access matters to you, compare travel cards on CreditCardHunt.in.
Who is eligible for the Platinum Rewards Credit Card?
The minimum income requirement is ₹2,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the Platinum Rewards Credit Card?
The Platinum Rewards Credit Card earns Reward points. It is best suited for Beginners.
Credit Cards Similar to the Platinum Rewards Credit Card
If you are considering the Platinum Rewards Credit Card, these entry-level credit cards are worth comparing before you apply:
- SBI Cashback Card (Visa) by SBI Card — rated 4.7/5, ₹999 annual fee
- ACE Credit Card by Axis Bank — rated 4.6/5, ₹499 annual fee
- IDFC FIRST Select Credit Card by IDFC FIRST Bank — rated 4.5/5, NIL annual fee
- RBL ShopRite Credit Card by RBL Bank — rated 4.4/5, ₹500 annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
Explore more on CreditCardHunt.in
- Browse all 100+ credit cards — filter by bank, fee, and reward type.
- Compare cards side by side — fees, rewards and benefits in one table.
- Find a card that matches your income and spending with our card finder.
- Read our credit card guides & FAQ.
Expert Rating: 4.2/5