Bandhan Bank Standard Chartered Xclusive Credit Card Review

Bandhan Bank Standard Chartered Xclusive Credit Card is a co-branded credit card, this card is specially designed for daily uses. It charges an annual fee of ₹2,999 and offers benefits like reward benefits, lounge access, fuel surcharge waiver, annual fee waiver, etc. Now let’s discuss the benefits in detail and see if it worth the ₹2,999 annual fees or not. 

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 65 yrs. 
    • Income: ₹25,000 monthly. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: ₹25,000 monthly. 
  • 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
      • Recently audited financial report. 


  • Joining Fee: ₹2,999 + GST
  • Annual Fee: ₹2,999 + GST (can be waived off if ₹4 lakh within a year) 


  • Welcome benefit:

With the issuance of the card, you will get a gift voucher of ₹3,000 from MakeMyTrip as a welcome gift. 

You will also get additional reward points throughout the year, as a part of a welcome gift. 

  • Reward benefit:

You will get 3 reward points for each ₹150 to spend with this card. 

You will get 10 bonus reward points if you spend on dining, booking movie tickets, purchasing products from supermarkets, and groceries.

You can use those reward points to make payments for the stuff you buy. 

  • Lounge access:

You will get 4 complimentary lounge accesses per year. There is no requirement of any minimum spending to claim this benefit.

  • Fuel surcharge waiver:

You will get freedom from fuel surcharge when you use your card at any petrol pump for purchasing fuel. The surcharge will depend on your spending.

  • Milestone benefit:

If you spend a minimum of ₹4 lakh on this card in the 1st year then you don’t have to pay the next year’s annual fees.

  • Global Acceptance:

You can use this card at any foreign or domestic e-commerce site or outlet, where the Visa Cards are accepted. 

  • EMV Chip Card:

This card comes with a built-in EMV chip, it adds more security to your transaction. 


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

Contact Details:

Call: 1800 258 8181

Mail: [email protected]

100xGain Ratings:


Final Opinion:

This card can be beneficial for those who want to use their card for daily uses, it offers 3 reward points for each ₹150 transaction, 4 lounge access per quarter, fuel surcharge waiver, annual fee waiver option, etc. 

Although this card offers some attractive benefits, it does not offer any dining, shopping, or golf benefits can be disappointing for applicants. If you want to earn benefits like golf access, dining, or shopping benefits, you can go for Yes First Preferred Credit Card or Axis Bank Select Credit Card

Leave a Reply

Share via
Copy link
Powered by Social Snap
%d bloggers like this: