If you are looking for a credit card in India and you have a poor credit history, then Standard Chartered Platinum Rewards credit card may be a good option for you to apply for. This credit card is one of the easiest cards to receive. If you have a regular job with at least 25,000 Rupees salary, your chances are quite high to receive it. Moreover, it offers many advantages and promotions to card holders and it has a relatively low annual fee when compared to the other cards. So, if annual fees annoy you, then this card may also be one of the best options for you as well.
Advantages of Standard Chartered Platinum Rewards Card
Low Annual Waiver
Even though the card charges holders with an annual fee, you can be exempt from it by spending 30,000 Rupees with your card.
One Time 100% Cashback
You are going to receive 100% cashback for once within the first 90 days after the activation. This cashback is valid for partner restaurants in India and capped with 500 Rupees.
Reward Points per 150 Rupees
Standard Chartered Platinum Rewards credit card offers 5 reward points for each 150 Rupees transactions you make on dining and fuel. You will also receive one reward point for other categories.
Easy to Get
It is regarded as one of the easiest credit cards to get in India. If this will be your first application, then your chances are very high on this card.
Disadvantages of Standard Chartered Platinum Rewards Card
The Standard Chartered Platinum Rewards credit card charges the card holders with an annual fee of 250 Rupees.
No Lounge Access
Card holders are unable to benefit from domestic and international lounges in Indian airports.
Although the card is easy to receive and offers plenty of reward points, unfortunately, it does not offer many promotions just like other credit cards.
Standard Chartered Platinum Rewards Credit Card FAQs
Your chances are very high for approval in Standard Chartered Platinum Rewards credit card when compared to the other credit cards in India. If you have a job with a salary you should have no worries about the approval. If you are a student, you still have a good chance. If you are not working, you have a slim chance.
Unfortunately, the card offers a really low number of promotions to its holders. The main advantages of the card include generous reward points per 150 Rupees transactions and easy approval.