SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for priority banking, travel, and lounge.
Why it can work
It combines complimentary airport lounge access, accelerated rewards on international and retail fashion spends, and no annual fee.
Where value may drop
The 3.5% forex markup is high for overseas use.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many 360° Rewards points you earn and what they are worth.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | 360° Rewards Points/yr |
|---|---|---|
| Travel (cab, train, etc.) | Rs 5,000 | 3,000 |
| Other spends | Rs 8,000 | 1,920 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for International And Retail Fashion Spends
5 reward points / Rs 100 spent
Best for airport lounge access
40 complimentary lounge visits a year across domestic and international.
Best for travel and redemptions
Earns 360° Rewards points you can put toward flights, hotels, or transfer partners.
Best as a no-fee everyday card
Lifetime-free, so there's no annual fee to recover before it adds value.
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
Avoid if you want pure cashback
Simpler cashback cards exist if you'd rather not manage reward points.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate |
|---|---|
| International and retail fashion spends | 5 reward points / Rs 100 spent |
| Other retail spends | 2 reward points / Rs 100 spent |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- 4 complimentary domestic lounge visits per calendar quarter
- 2 complimentary international lounge visits per month for FUM qualified clients
Exclusions
Categories that earn no rewards on this card.
- Cash withdrawal / cash advance transactions
- Fees and charges (including annual fee and finance charges)
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- Complimentary for Standard Chartered Priority Banking relationship clients
- Complimentary Priority Pass membership for international lounge access
Eligibility
Check this before you apply.
Salaried
- Priority Banking relationship and bank approval required
Self-employed
- Priority Banking relationship and bank approval required
Compare before you decide
Alternatives based on what you might want instead.
Standard Chartered Beyond Credit Card
Best for priority banking, travel, lounge.
Standard Chartered Ultimate Credit Card
Best for travel, lounge, golf.
IndusInd Bank Indulge Credit Card
Best for travel, lounge, golf.