I own standard chartered premium visa credit card. and I am fully satisfied with there service. My card came with little low credit limit but I am satisfied. I lost my card 2 times and got new card under 3 days they are fast. I got good reward points, last time I redeem 500rs voucher for my Vodafone recharge.
I prefer using standard charted on most of occasions for my payments. you can easily convert your shopping bill to EMI if it is more than 5000rs.
I would highly recommend Standard charted credit cards . you can also do international payment with them.