Bandhan Bank Standard Chartered One Credit Card Review

Bandhan Bank Standard Chartered Credit Card is a co-branded credit card from the newly established bank Bandhan Bank. It is a basic Credit card that comes with a very low annual fee and some benefits like Reward points, annual fee waiver, opportunity to earn some bonus reward points, etc. Let’s discuss its benefits in detail. 

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 65 yrs. 
    • Income: ₹25,000 monthly(Approx)
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: ₹25,000 monthly (Approx)
  • Good CIBIL Score (750 or more).
  • Good relation with the bank. 

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recent audited financial report. 


  • Joining Fee: ₹299 + GST
  • Annual Fee: ₹299 + GST (Can be waived off if ₹60,000 is spent within a year)


  • Welcome benefit:

With the issuance of the card, you will get 500 reward points as a welcome gift. 

  • Reward benefit:

If you spend Rs.150 for purchasing your daily needs you will get 1 reward point.

You will get 5 bonus reward points if you spend on dining, booking movie tickets, purchasing products from supermarkets, and shopping for groceries.

  • Fuel surcharge waiver:

This card offers some waiver on fuel surcharges when you use your card at any petrol pump for purchasing fuel. The surcharge will depend on your spending.

  • Milestone benefit:

If you can spend ₹60,000 with your card within a year, then the annual fee of your card will be waived off for the next year. 


  • Cash Withdrawal Charge: 3% against the withdrawal amount, min ₹300. 
  • Finance Charge: 3.49% monthly. 
  • Foreign currency transaction: 3.5% against the transacted amount. 

Contact Details:

Call: 1800 258 8181

Mail: [email protected] 

100xGain Ratings:


Final Opinion:

If you are using a credit card for the first time, or if you want a low-cost credit card just for your daily expenses, then this card can be very useful for you. This card offers reward points on every purchase and also bonus reward points on some special categories. So, if you are a beginner or if you want a credit card at a low cost then you can go for this. 

But except for reward points, there is nothing much to say about this card, so if you are looking for a card that may charge a bit more but offers several attractive benefits, then you should go for American Express Smart Earn credit card, it offers a very good amount of reward points with other exclusive benefits, and if you are looking for low cost or free credit card, then you should go for the HSBC Visa Platinum Credit Card

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