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    Standard Chartered Add-on Credit Cards

    If there is one product that has had a significant impact on the financial world, it is without doubt a credit card. These plastic cards may look small and unassuming but the power they wield is significantly bigger. Introduced in the 1950s, credit cards have changed the financial landscape of global economy. Credit cards are similar to loans that can be availed through a swipe of the card. Unlike debit cards where individuals use their own money to pay for purchases, with a credit card funds are withdrawn on credit and will have to be repaid. Almost all banks and financial institutions today provide credit cards to their customers.

    One of the biggest advantages of credit cards is the convenience offered by them. Instead of having to carry a whole wad of cash, customers can just use their credit cards as it is accepted almost everywhere across the world. Additionally, credit cards, when used have other advantages as well. Each time individuals use their credit card to pay for a product or a service, they will earn Reward Points, dining discount, AirMiles or even waiver of fuel surcharges based on the features of the credit card. These Reward Points can also be exchanged for gifts and other perks from the company’s Rewards Catalogue.

    Who can avail for Standard Chartered Add-on Credit Cards?

    Due to its popularity, this financial product can be availed from a number of banks and financial providers as long as the eligibility criteria is met. Not everybody can avail credit cards however, as there are certain conditions that need to be met before one becomes eligible to avail this financial tool. This is due to the fact that credit cards are not free. In addition to joining fee and/or annual fee, customers will have to pay the credit card bill every month during the billing cycle. In case cardholders are unable to pay the bill completely, they can also pay just the minimum amount that is due. However, in case the bill is not paid in full, an interest rate will be imposed on the subsequent payments. If left unchecked, this amount can end being quite hefty resulting in the cardholder falling into a debt trap. Therefore, one must be able to afford a credit card.

    Therefore, only if an individual meets the required eligibility criteria can he/she procure a credit card. Eligibility factors for a credit card varies depending on the age, income and credit score of the applicant, among other factors. However, sometimes individuals may not meet the above criteria for various reasons and these applicants can avail an Standard Chartered add-on or supplementary credit card.

    Supplementary credit cards on the other hand can be availed by family members of the primary cardholder only if they meet the required eligibility criteria such as age and if they are related to the primary cardholder.

    What is an Standard Chartered Bank Add-on Credit Card?

    Supplementary or add-on credit cards are additional cards provided under the primary credit card to relatives of the primary cardholder. These cards usually have the same benefits and credit limit as the primary credit card and can be utilised similarly. Additionally, add-on credit cardholders can avail Rewards Points and AirMiles along with other discounts every time they use their credit card to pay for products or services. The number of add-on credit cards that can be availed depends on the credit card issuer but is usually between 3 to 5 cards. Individuals can avail add-on credit cards for their family members such as children who are adults, spouse, siblings and so on.

    One of the most popular and well-known banks in the country, Standard Chartered Bank is known for their customer friendly services and plethora of product offerings. As part of their retail banking portfolio, Standard Chartered Bank provides credit cards and debit cards among other products. Supplementary credit cards can also be availed by family members of the primary cardholder.

    Eligibility for Standard Chartered Bank Add-on Credit Cards

    In order to avail an add-on credit card, the applicant must meet the following eligibility criteria -

    • Applicants must be above the age of 18.
    • Applicants must be an immediate blood relation of the primary cardholder such as his/her children, spouse, parents, parents-in-law, siblings and so on.
    • The primary cardholder must approve the request for the add-on credit card.

    Other criteria may be imposed based on the terms and conditions of Standard Chartered Bank.

    Documents Required for Standard Chartered Bank Add-on Credit Cards

    In case an applicant is eligible to avail an add-on credit card from Standard Chartered Bank, the following documents will have to be furnished so as to complete the application process -

    • Application form that has been completely filled.
    • Self attested proof of identity such as PAN card, Aadhaar card or Passport.
    • Self attested proof of address such as Voter ID, Passport or Aadhaar card.

    Additional documents may be asked for based on the requirements of Standard Chartered Bank. It is important to note that add-on credit cards will not be provided unless KYC or Know-Your-Customer documents are not provided.

    How to apply for Standard Chartered Bank Add-on Credit Cards

    Individuals can apply for supplementary credit cards from Standard Chartered Bank through the following channels -

    Customer Care

    Applicants can contact the Standard Chartered Bank customer Care Centre that is available at all times on all days of the week from their registered mobile number.

    Additionally, applicants can also write to the Standard Chartered Bank customer care email id.

    Standard Chartered Bank branch

    Applicants can also contact Standard Chartered Bank for an add-on credit card by visiting one of the numerous branches of the bank and apply for the same.

    Features and Benefits of Standard Chartered Bank Add-on Credit Cards

    Supplementary credit cards are usually procured by the primary cardholder for relatives when they are not eligible for it on their own. These credit cards have certain unique features and benefits as listed below -

    • Supplementary credit cards from Standard Chartered Bank come with a number of perks that can be enjoyed by the cardholder. These perks are usually the same as that available on the primary credit card such as AirMiles, Fuel surcharge waiver and so on.
    • Additionally, each time Standard Chartered Bank add-on credit cardholders use their card, they can avail points that can be redeemed at a later date. Apart from this dining and shopping discounts can also be enjoyed.
    • The credit limit of Standard Chartered Bank supplementary credit cards are the same as that of the primary credit card. However, in certain cases the limit on supplementary credit cards may be lower than that of the primary card.
    • The primary cardholder has the option to track the spends made on all add-on credit cards separately. Additionally, the spend limit on each of the cards can also be adjusted.
    • Most of these credit cards can also be used abroad, subject to certain terms and conditions.

    Fees and Charges for Standard Chartered Bank Add-on Credit Cards

    Fees and charges for an Standard Chartered Bank Add-on credit card varies based on the type of credit card chosen. Most add-on credit cards do not come with joining or annual fee.

    Standard Chartered Bank Credit Cards with Add-on Options

    The list of cards for which supplementary cards can be procured are as follows -

    • Standard Chartered Platinum Rewards Credit Card
    • Standard Chartered Manhattan Platinum Credit Card
    • Standard Chartered SuperValue Titanium Credit Card
    • Standard Chartered Emirates World Credit Card
    • Standard Chartered Landmark Rewards Platinum Credit Card
    • Standard Chartered Yatra Platinum Credit Card
    • Standard Chartered Visa Infinite Credit Card
    • Standard Chartered Platinum Elite Credit Card
    • Standard Chartered Gold Rewards Credit Card
    • Standard Chartered Bajaj Finserv Platinum Credit Card
    • Standard Chartered Bajaj Finserv World Credit Card

    Customers should note that this list is subject to variations from time to time based on the bank’s discretion.

    FAQs on Standard Chartered Bank Credit Cards :

    1. Who pays the bills for an add-on credit card?
    2. Credit card bill for a supplementary credit card is paid by the primary cardholder.

    3. How is credit score calculated on a supplementary credit card?
    4. Credit score will not be calculated for a supplementary credit card. Instead all activities will be reflected in the primary cardholder’s credit report. Hence the add-on credit card must be used judiciously.

    5. What is the credit limit applicable for an Standard Chartered Bank add-on credit card?
    6. The credit limit for an Standard Chartered Bank add-on credit card is either the same as that of the primary credit card based on the terms and conditions of the bank.

    7. Who is eligible to avail an Standard Chartered Bank add-on credit card?
    8. Immediate blood relatives of the primary cardholder can avail an add-on Standard Chartered Bank credit card.

    Know More About Other Bank Add-on Credit Card

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