Issuer · 3 cards · updated 2026-09-19

Standard Chartered credit cards, ranked

Every Standard Chartered card scored in rupees for the standard profile – fee incl. GST, net savings, lounge rules and what changed recently.

Best Standard Chartered credit card (Sept 2026): EaseMyTrip Standard Chartered – score 58/100, ₹6,193 net a year for the standard profile; Ultimate is next. 3 Standard Chartered cards on CardLens: 0 lifetime free, 2 with lounge access.

Standard profile
Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend

Top 3 Standard Chartered cards

Standard Chartered EaseMyTrip Standard Chartered credit card
Standard Chartered× EaseMyTripVisa

EaseMyTrip Standard Chartered

58
Net savings₹6,193/yr
Savings rate1.9%
Annual feeWaived ₹413
Lounge✈4 dom

✓ 10% off EaseMyTrip flights (cap ₹5,000) earns you about ₹2,400 a year on ₹24,000 of spend.

Details
Standard Chartered Ultimate credit card
Standard CharteredVisa

Ultimate

48
Net savings₹2,947/yr
Savings rate0.9%
Annual feeYou pay ₹5,900
Lounge✈∞ dom

✓ Base rate 3.3% on other spends earns you about ₹8,007 a year on ₹2,42,640 of spend.

Details
Standard Chartered Smart credit card
Standard CharteredVisa

Smart

45
Net savings₹4,298/yr
Savings rate1.3%
Annual feeWaived ₹589
Lounge✈ none

✓ 2% on online spends (cap ₹1,000/mo) earns you about ₹3,024 a year on ₹1,51,200 of spend.

Details

All 3 Standard Chartered cards

Standard Chartered credit cards ranked
#CardScoreNet savings / yrTypeAnnual feeLounge
1Standard Chartered EaseMyTrip Standard Chartered credit cardEaseMyTrip Standard CharteredStandard Chartered58/100₹6,193
1.9% rate		Travel · 3.5% forexWaived ₹4134 domestic/yr
2Standard Chartered Ultimate credit cardUltimateStandard Chartered48/100₹2,947
0.9% rate		Super-premium · 2% forexYou pay ₹5,900unlimited domestic/yr
3Standard Chartered Smart credit cardSmartStandard Chartered45/100₹4,298
1.3% rate		Cashback · 3.5% forexWaived ₹589No lounge access

Ranked by the open CardLens engine: rewards at realistic redemption value + milestones + waivers − fee incl. 18% GST − forex, for the spend profile stated above. Figures are estimates from public issuer terms – verify on the issuer page before applying. How the score works →

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Frequently asked questions

Which Standard Chartered credit card is best?

For the standard ₹32k/month profile, EaseMyTrip Standard Chartered scores highest (58/100, ₹6,193 recurring net savings), ahead of Ultimate (48). Your own spend can change the order – use Find My Card.

Which Standard Chartered credit card is lifetime free?

None of the Standard Chartered cards on CardLens is lifetime free; the cheapest renewal fee is ₹413 incl. GST.

Which Standard Chartered credit card gives airport lounge access?

EaseMyTrip Standard Chartered (4 domestic); Ultimate (Unlimited domestic).