Standard Chartered Platinum Rewards Credit Card 2025
Save more than ₹10,000 every year on dining, fuel & daily spends with accelerated rewards!
If you spend a lot on dining out, fuel or everyday shopping, the Standard Chartered Platinum Rewards Credit Card is one of the best entry-level rewards cards in 2025.
You get 5X reward points per ₹150 on dining & fuel with no monthly cap, 1X point per ₹150 on all other spends, 500 welcome points, and the card is often offered Lifetime Free – no joining or annual fee on ₹500 spend in first 30 days.
Redeem points for vouchers, cashback or products – flexible & valuable.
Why This Is The Best Dining & Fuel Rewards Card in 2025?
5X unlimited on dining & fuel • 1X everywhere • Often LTF • 500 welcome points • Fuel waiver 1% • Easy redemptions
Best for: Foodies, commuters, families, beginners wanting simple rewards
Card At a Glance
₹250 (Waived on ₹500 spend)
₹250 (Lifetime Free)
5X Dining/Fuel | 1X Others
₹0.25 cashback/vouchers
500 bonus
1% (up to ₹300/month)
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹250 (waived on ₹500 spend) |
| Annual Fee | ₹250 (Lifetime Free on condition) |
| Welcome Benefit | 500 points on first use |
| Point Redemption | ₹0.25 per point (vouchers/cash) |
| Foreign Currency Markup | 3.5% + GST |
| Interest Rate | 3.75% per month |
Detailed Reward Rates (2025)
- 5 Reward Points per ₹150 on dining & fuel (no cap)
- 1 Reward Point per ₹150 on all other spends
- 1 Point = ₹0.25 for cashback, vouchers, products
- No points on wallet loads, rent, EMI, insurance
- Points never expire
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 5X unlimited on dining & fuel | Low 1X on other spends |
| Often 100% Lifetime Free | No lounge access |
| 500 welcome points | 3.5% forex markup |
| 1% fuel waiver | Basic rewards only |
| Easy for beginners |
Eligibility Criteria & Documents
- Age: 21–60 years
- Minimum income: ₹2.5 Lakh/year
- Good credit score (700+)
- Documents: PAN, Aadhaar, salary slip
How to Apply (2-Minute Process)
- Click “Apply Now” button
- Enter mobile & PAN
- Upload documents
- Video KYC
- Card delivered in 5–7 days
Final Verdict – Should You Get It in 2025?
If you spend ₹10,000+ on dining & fuel monthly, this card gives ₹5,000–₹8,000 value yearly in rewards + fuel savings, with zero fees. Best LTF rewards card for food & fuel lovers!
Frequently Asked Questions (FAQs)
How to get 5X on dining?
Auto on all restaurant bills – no promo needed.
Is it Lifetime Free?
Yes, waived on ₹500 spend in first 30 days.
Point expiry?
No expiry – redeem anytime.