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    Standard Chartered Bajaj Finserv World Credit Card Reviews

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    Standard Chartered Bajaj Finserv World Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service




    Standard Chartred Bank Credit Card Diwali Offer

    The Standard Chartered Bajaj Finserv World Credit Card is brought to you by Standard Chartered in association with Bajaj Finance. This card is business-oriented and tailored to suit your lifestyle. Earn rewards every step of the way. Get the added advantage of bonus points offered when you use your card at partner stores. Enjoy great discounts and deals on offer every day!


    Reward Points:

    For every Rs. 100 spent, earn 3x points every time you shop.

    Special Reward Points:

    For every Rs. 100 spent, earn 5x reward points when you shop at supermarkets, grocery shops, departmental stores and retail apparel stores.

    MasterCard discounts:

    Enjoy specialized MasterCard discounts with this credit card.

    Bonus points:

    When you swipe your card at participating outlets, you will earn bonus points. The network of Standard Chartered Bonus Points partners span across a wide range of areas. You have access to thousands of partners in and around your area that include dining, fashion, travel, online retailers and departmental stores. These points can be redeemed for a range of rewards. Visit and select the Bajaj Finserv World Credit Card to view all the offers available.

    Other offer and discounts:

    As a Bajaj Finserv World Credit Cardholder, you can avail of a number of offers from Standard Chartered. Get discounts and deals on different categories such as shopping, e-retail, travel and hospitality.


    With your Bajaj Finserv World Credit Card, you can dial a loan for up to Rs. 5 lakhs and get it within 2-7 days. Get flexible tenures from 12 to 60 months. The loan comes with attractive rates of interest. No documentation or post-dated cheques required.


    EMI conversion options:

    Convert large spends into easy instalments that you can repay over 6-48 months at 1.49% interest per month. There’s no processing fee or pre closure charges if you choose to close the EMI prematurely.

    Balance Transfer options:

    You can transfer up to Rs. 5 lakhs to your Standard Chartered Bajaj Finserv World Credit Card. Pay back your balance at just 0.99% for the first six months. The regular credit card interest rate will commence after 6 months. You only need to pay back 5% of the balance per month.

    Total balance EMI conversion:

    You also have the option to convert your whole outstanding amount on your credit card into easy EMIs. The option is subject to a maximum of Rs. 5 lakhs. There are no processing fees charged for this service. Pay the EMIs over 6-60 months in small and more convenient instalments.

    Pay bills online:

    You can pay your credit card bill at your convenience anywhere and at any time. Pay your Bajaj Finserv World Credit Card bill from any bank in a secure manner.


    Apply for add on benefits on your card that include health insurance, fraud insurance and holiday and lifestyle insurance.

    Important Fees and Charges:



    Entrance fee

    Rs. 2999

    Annual Fee

    There is no annual fee for the first year.

    Renewal fee

    From the second year on, a renewal fee of Rs. 2999 is chargeable.

    Supplementary card fee


    Multiple card fee


    Other fees and charges:



    Late charge

    If payment is missed for 2 consecutive months, Rs. 100 is charged.


    2.5% of the transaction overlimit subject to a minimum of Rs. 500.

    Cheque/ Cash Pick up Fee

    If your card account is overdue, Rs. 100 will be charged for collecting payments by authorized representatives.

    ATM cash advance

    3% of the withdrawal amount subject to a minimum of Rs. 300.

    Cash advance at teller facility or bank branch

    A fee of Rs. 500 is applicable.

    Overseas Transactions

    3.5% of the transaction amount. Charges include the fee paid to VISA or Mastercard for conversion services.

    Railway Surcharge

    2.5% of the transaction amount or Rs. 25, whichever is higher.

    Petrol surcharge

    2.5% of the transaction amount or Rs. 10, whichever is higher.

    Service Tax

    14% on Service Charges

    Rewards Handling Charges

    Rs 99 for handling and courier

    Late payment charges:

    Total Amount Due (In Rupees)

    Fees (In Rupees)

    Up to Rs. 500








    20000 and above



    To be eligible to apply for a Bajaj Finserv World Credit Card, you should be earning a minimum gross monthly income of Rs. 25,000.


    To complete your application, you need to submit the following documentation.

    ID proof - Any one of the following:

    • Passport
    • Pan Card with photo
    • Voter ID
    • Ration card with photo

    Address Proof - Any one of the following:

    • Passport
    • Telephone bill
    • Electricity bill
    • Ration card
    • Life or medical insurance policy
    • Rental agreement
    • Apartment Allotment Letter

    Income proof:

    • Salaried individuals - Latest one month salary slip.
    • Self Employed professionals - Latest IT Returns and Business Continuity proof.
    • Self-employed businessmen - Latest IT Returns along with computation of income or certified financials and the last Business Continuity proof
    Rewards scheme:

    Every time you swipe your Bajaj Finserv World Credit Card, you are eligible to earn reward points. For every Rs. 100 spent, you will be rewarded with points that you can later redeem for a variety of vouchers, discounts and so on. The following is the rewards scheme for the Bajaj Finserv World Credit Card.




    5 reward points

    Fine Dining

    5 reward points

    Overseas spends

    5 reward points


    2 reward points

    Rewards redemption:

    You can redeem your reward points a wide range of rewards that span across categories like dining, home, electronics and fashion. You can also redeem your points to book amazing holiday deals. Browse through the catalogue available on the Standard Chartered website and pick rewards to your liking according to the points you have accumulated.

    Standard Chartered Bajaj Finserv World Credit Card FAQs:

    1. Does Standard Chartered charge for eStatements?

      No, the eStatement service is free.

    2. How long does it take for my credit card application to be processed?

      After you have submitted all the documents required, Standard Chartered will take about 9 days to process your application and approve your card. You can track the status of your application online.

    3. How is the minimum amount due calculated?

      The minimum amount due is based on two determinants:

      • 5% of the total outstanding balance.
      • The sum of all billed instalments + interest payable + fees and other charges + any overlimit amount + 1% of the principal, or Rs. 250.

      The minimum due will be whichever of these options is higher.

    4. What do I do if I have lost my card?

      If you lose or misplace your credit card, please inform Standard Chartered immediately on the customer care hotline.

    5. Is my Standard Chartered Bajaj Finserv World Credit Card insured?

      You have the option to add on fraud insurance on the Standard Chartered Bajaj Finserv World Credit Card. With the CPP fraud insurance, you will be insured against any fraudulent charges on your credit card.

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