Standard Chartered guys are thugs. I have been using SC Titanium Mastercard since the last 5 years, been paying my entire bill at the end of the month throughout. Now that they have come to know that they are not getting anything from me in terms of interest, they have stopped the "Reversal of Annual fee based on spending" on my credit card.
They refused to reverse the annual fee last year too but I made a huge mess out of them and they reversed it finally, but this year they dont seem to be budged and I have to pay 5k annual charges. My average spending per month crosses 75k. They are no discounts on SC card except a handful few (na honay k brabar). The only thing is you might end up saving a max of 1000 Rs. on ur bill every month in terms of 5% cashback on grocery and petrol.
Try Silk Bank, I am using it too, so far so good with lots of great discounts.
