Standard Chartered 360 Rewards: point value, fees and expiry from the bank's terms

What is Standard Chartered 360 Rewards?

It is the website where Standard Chartered India cardholders spend reward points and cashback, at rewards.sc.bank.in. The programme terms call the bank a facilitator, and say merchant terms apply to each product or service. They do not name a third-party operator.

The catalogue has electronics, home and family, lifestyle, vouchers and travel. You can browse without logging in. To redeem, you log in with your Standard Chartered Online Banking username and password, or call Phone Banking.

The programme covers select credit and debit cards. The terms and FAQ leave out Inner Circle Platinum and the Emirates co-brand cards, whose miles cannot be redeemed on the site.

Does 360 Rewards pay extra points on spending?

No. The 360 Rewards terms cover earning and redeeming, but the site is a catalogue. The bank awards points on each card's own rates, and the terms say the bank may change the rate at which points are awarded and redeemed.

The card pages set the earn. The Rewards Credit Card page lists 4 points per Rs 150 on retail spends, plus 4 more per Rs 150 on monthly retail spends above Rs 20,000, with the bonus capped at 2,000 points a statement cycle. The Ultimate card page lists 5 points per Rs 150, and 3 per Rs 150 on utilities, supermarkets, insurance, property management, schools and government payments since 2 April 2023. The EaseMyTrip card page lists 10X on standalone hotel and airline websites and 2 points per Rs 100 elsewhere.

What is a 360 Rewards point worth?

It depends on the card and what you redeem for. The programme terms say the value is dynamic, varies from item to item, and can change without notice, so check the catalogue at the time. The card pages give these values.

On the Smart card, which earns cashback, the FAQ says cashback is not credited to the statement on its own. You redeem it on the site's Cashback catalogue, and it is then credited to the card statement.

From Standard Chartered India card pages, read 9 November 2026. Other cards were not confirmed.

What does it cost to redeem on 360 Rewards?

Rs 99 per order. The programme terms set a handling charge of Rs 99 at order level on merchandise and vouchers, charged to your credit card account. Taxes, including octroi if any, are yours to pay. The Rewards Credit Card page also lists a redemption fee of Rs 99.

You need at least 500 points for your first redemption, and none after that. Points Plus Pay lets you mix points and money on most rewards above a minimum the bank sets, but the FAQ says it is not available on vouchers or e-vouchers. The money part can be paid with a Standard Chartered credit card, not a debit card. Points transfers to family or friends, where the bank agrees, carry a redemption fee that the terms do not state.

When do 360 Rewards points expire?

Credit card points expire 3 years from the date they are credited, under the programme terms. The FAQ says 36 months from the date of issue. Debit card and savings account points earned from 1 January to 31 December expire on 30 June of the next year.

Points are used in order of expiry, oldest first, and you cannot pick which card they come from. Expired points cannot be used. If the card is cancelled, or upgraded to Inner Circle Platinum, an Emirates co-brand or another card outside the programme, redeem first: points cannot be redeemed after cancellation. If the bank cancels a card and opens a new one, points do not move across unless it agrees.

Can I cancel a 360 Rewards order or return a voucher?

No. The terms say a confirmed redemption is irrevocable, rewards cannot be exchanged or refunded for cash, and e-vouchers cannot be cancelled. Lost or expired vouchers are not replaced and their validity is not extended.

If a product or voucher arrives damaged or incomplete, tell the bank within two days of receipt for a replacement, which comes within 15 working days. If an order is returned undelivered, points come back within three working days. Products outside the courier's area go by Speed Post within 30 working days, without proof of delivery, and Speed Post is not used for gift cards or vouchers. The FAQ asks you to allow about 10 working days for orders. Delivery is within India only.

Can I combine or transfer 360 Rewards points?

Points on one primary card can be combined with points on another primary card for a redemption, under the terms. Supplementary cardholders earn points for the primary cardholder and cannot redeem.

Transfers to family members or friends who are also eligible cardholders are possible if the bank agrees, cannot be reversed, and the bank can forfeit points and cancel the card if it suspects abuse. Disputes go to courts in Mumbai.