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  • Standard Chartered Bajaj Finserv World Credit Card

    Fees & Charges

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    Standard Chartered Bajaj Finserv World Credit Card

    One of the foremost banks in the world, Standard Chartered is a British multinational financial services and banking company. This bank is headquartered in London, United Kingdom and was founded in the year 1969. As part of its banking portfolio, Standard Chartered offers a number of products and services to suit every individual’s myriad need, such as home loans, credit cards, auto loans and debit cards, among others.

    Through its collaboration with Bajaj Finserv, a well-known financial company, Standard Chartered has come up with a credit card with privileges to suit every discerning individual. The Standard Chartered Bajaj Finserv World Credit Card offers a plethora of unique features and benefits to suit a customer’s need for a luxurious lifestyle.

    Highlights

    • Customers can earn 5 times the Rewards when they use their Standard Chartered Bajaj Finserv World Credit Card at supermarkets and other stores.
    • On other spends, customers can earn upto 3 times the Rewards.
    • Cardholders can also avail easy and convenient features such as online payment of their bills.

    Features

    Reward Points

    • Each time customers spend on purchases made at department stores, supermarkets, grocery stores and other apparel outlets using their Standard Chartered Bajaj Finserv World Credit Card, they will earn up to 5X the rewards.
    • Cardholders earn 5 Reward points on every Rs.100 that they spend on purchases from department stores, supermarkets, grocery stores and other apparel outlets using their World credit card.
    • When customers spend on other categories than the ones mentioned above, using their Standard Chartered Bajaj Finserv World Credit Card, cardholders stand to earn 3X the rewards.
    • Individuals earn 3 Reward points on every Rs.100 that they spend on purchases from other categories.

    Online Payment

    • Customers have the advantage of paying their credit card bills online in a secure manner from anywhere and from any bank as well.

    Grace Period

    • Customers can procure an interest free grace period of 18 days to 48 days or 25 days to 55 days based on the due date of payment. This interest-free period will not be applicable for revolving balances and cash advances. For these options, interest is applicable from the date of transaction.

    Eligibility Criteria for Standard Chartered Bajaj Finserv World Credit Card

    Standard Chartered will decide if an individual is eligible to procure a Standard Chartered Bajaj Finserv World Credit Card based on his/her income and employment. Other factors are also applicable.

    Documents Required for Standard Chartered Bajaj Finserv World Credit Card

    Among the various documents needed to avail a Standard Chartered Bajaj Finserv World Credit card the most important ones include address and identity proof such as a Passport, Aadhaar Card, Pan Card, Voter ID and Driving License, among others. Other documents such as salary slips will be requested for based on the bank requirements. Further details can be sought at the bank.

    Fees and Charges

    Annual fee for the 1st year Rs.2,999
    Renewal fee from 2nd year Rs.2,999
    Annual Fee for Add-on card for 1st year Nil
    Late Charge If payment for 2 months has been consecutively missed, Rs.100 is the fee applicable.
    Overlimit A minimum of Rs. 500 or 2.5% of the overlimit amount
    Rewards Redemption Fee Rs 99
    Cash Advance Fees - ATM Rs. 300 or 3% of the amount withdrawn, for each transaction. Additional Rs.500 will be charged if the teller facilities at Standard Chartered branches are used.
    Overseas Transaction 3.5% transaction fee
    Surcharge Railways - 2.5% or Rs.25, whichever is the higher amount Petrol - 2.5% or Rs.10, whichever is the higher amount
    Cash/Cheque Pickup fee Rs.100 for overdue card accounts

    Frequently Asked Questions (FAQs)

    1. What are documents required to procure Standard Chartered Bajaj Finserv World Credit Card?

      1. The basic documents required are -
        • Form 60 or PAN card
        • Passport size photographs
        • Proof of Income - Form 16 or IT Return Copy or Latest Payslip
        • Identity Proof such as PAN card
        • Address proof (Any one) -
      2. Passport
      3. Driving License
      4. UID Aadhaar No.
      5. Voter’s ID
      6. Additional documents may be asked for by the bank based on their requirements, at the time of application.
    2. What are the Service Tax applicable?

      The following charges are applicable -

      1. Service charges of 15%, which comprises of -
        • 14% service tax
        • 0.5% Swachh Bharat Cess
        • 0.5% Krishi Kalyan Cess
      2. Service Tax credit cannot be claimed under the CENVAT credit Rules of 2004 with respect to charges being reversed or waived.
    3. What are the charges applicable for late payment?

      1. The charges applicable for late payment, are as follows:
      Amount Due Fee Applicable
      0 to Rs.500 Rs.100
      Rs.501 to Rs.2,000 Rs.350
      Rs.2,001 to Rs.4,000 Rs.500
      Rs.4,001 to Rs.20,000 Rs.700
      Above Rs.20,000 Rs.800
    4. What is the Minimum Due Amount?

      1. The minimum amount that is due every month, is a higher of the following-
        1. 5% of outstanding statement, or
        2. Total amount of all the billed installments, fees, interest and other charges. In addition to this, the overlimit amount and 1% of principal will be added, or
        3. Rs.250
      2. In case customers have an unpaid minimum amount which has been carried over from the previous month, this will also get added to the due amount for the current month.
      3. If the statement balance is below Rs.250 or in case of default, the entire outstanding amount will have to be paid. Customers are also advised to pay more than their minimum due amount every month, to stay financially safe.
    5. How to Apply for a Standard Chartered Bajaj Finserv World Credit Card?

      Application can be done online or customers can contact the Standard Chartered Customer Care. Another option would be to visit any of the Standard Chartered branches.

    Other Top Credit Card by Standard Chartered Bank

    Standard Chartered Bajaj Finserv World Credit Card Reviews

    • Standard Chartered Bank Credit Card
      "Good card to hold"
      0.5 5.0/5 "Blown Away!"
      With Standard Chartered Bank i have taken the credit card. I am satisfied with the limit. The customer service and response is good. I have not done any emi conversion with the card. I used to get good reward points with the Standard Chartered card.
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      , chennai
      Reviewed on May 26, 2018
    • Standard Chartered Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have a credit card from Standard Chartered Bank, the card is satisfactory and I am not completely happy, since it's a lifetime free I have no issues with the card, The benefits and offers on the card is also satisfactory. I could give it as an average credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 26, 2018
    • Standard Chartered Bank Credit Card
      "Till date no hassles"
      0.5 5.0/5 "Blown Away!"
      Standard chartered Bank is good as well for the credit card offers and facilities. The customer support is good and there are no issues to connect with them. The credit limit is good and I can track all my payments online. It is convenient to pay my bills.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 26, 2018
    • Standard Chartered Bank Credit Card
      "Good overall"
      0.5 4.0/5 "Great!"
      I earlier used Standard Chartered Bank for the credit card. As long as I used the bank, I did not have any hassles. I also used to get 5% cash back as well. The overall experience is good and they were responsive and quick to sort out my queries. Good overall.
      Was this review helpful? 0
      , chennai
      Reviewed on May 25, 2018
    • Standard Chartered Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been holding this card for the last three years, the services which they have been providing so far had been very good. The benefits and the features with the card has been outstanding and i am happy with the credit limit which they have been providing so far. I have been using the card for shopping, movie tickets, and most of the other purposes. The card has been a life time free card.
      Was this review helpful? 0
      , kolkata
      Reviewed on May 25, 2018
    • Standard Chartered Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      My personal loan was taken with STANDARD BANK 1 year back. The loan amount was 2 lakhs and the interest rate was 12.5% which is bit high. The customer service and responses was good. The tenure period was 2 years.he process was really good and hassle free . The loan was approved on time.
      Was this review helpful? 0
      , chennai
      Reviewed on May 24, 2018
    • Standard Chartered Bank Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      I hold the Standard platinum rewards credit card for more than Two years. The customer support service and the response is good from the Standard charted bank. The credit limit value is good with this card and I am satisfied with it, but I would say it is a average card to use.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 22, 2018
    • Standard Chartered Bank Credit Card
      "Satisfied with the services"
      0.5 4.0/5 "Great!"
      I bank with Standard Chartered Bank for the credit card and the banking process is good. They provide good offers and the credit limit is also good. The experience has been smooth till date and in all it is a good experience and process when ever I use the card.
      Was this review helpful? 0
      , chennai
      Reviewed on May 22, 2018
    • Standard Chartered Bank Credit Card
      "Offers and limit is good"
      0.5 5.0/5 "Blown Away!"
      Standard Chartered Bank is good overall in the credit card services as well. I get good offers and deals and the services are good. The credit card limit is also fine. I have no hassles in the transactions and the statements are timely sent to me.
      Was this review helpful? 0
      , chennai
      Reviewed on May 22, 2018
    • Standard Chartered Bank Credit Card
      "Better Card"
      0.5 3.0/5 "Satisfactory"
      They are have giving more offers in small merchants and airport launches. I can check what kind of category of customers. It is very long process to connect to the customer care. It will take minimum of 5 minute to talk to the Customer Car Executive.They don't have any offers on movie tickets and dining restaurants. They have to improve the customer service in short.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 21, 2018
    • Standard Chartered Bank Credit Card
      "Good Card to use"
      0.5 3.5/5 "Pretty good"
      I have a credit card with Standard Chartered bank from more than 1 year, net banking services is easy to make bill payments. I get good offers like reward points and complimentary lounge access on airports. This is a lifetime free credit card with sufficient credit limit in this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 21, 2018
    • Standard Chartered Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have a Standard Chartered credit card, the card is good in terms of credit limit, offers and benefits. But only issue that I face is with the billing period, if I pay a day before the due date, it takes at least 2 days for them to receive the amount and they end up charging me interest rate while I have to call them and rectify it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 21, 2018
    • Standard Chartered Bank Credit Card
      "Very good"
      0.5 5.0/5 "Blown Away!"
      I have credit card from Standard Chartered Bank, the credit card is quite good, it give some good benefits like for equity payments you get 5% cashback, you get good reward point on purchases, you get some vouchers and cash back too. I am happy and satisfied with the card.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 21, 2018
    • Standard Chartered Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I got the Standard charted bank land mark credit card from the standard charted bank around a year ago. I use this card for online shopping, and I am getting the card specific offers using this card for shopping , The credit limit value is good with this card and I am satisfied with it. The rate of interest and the charges are average with this card.
      Was this review helpful? 0
      , kolkata
      Reviewed on May 21, 2018
    • Standard Chartered Bank Credit Card
      "Average"
      0.5 2.5/5 "Just OK"
      My credit card was taken with STANDARD CHARTER bank 5 years back. Their customer service and responsiveness was really good. The credit limit was very low . The customer service and responses was not good. The benefits are also not up to the mark.
      Was this review helpful? 0
      , pune
      Reviewed on May 20, 2018
    • Standard Chartered Bank Credit Card
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      My credit card was taken with STANDARD CHARTER bank 1.5 years back. I hold platinum card and the credit limit was 1,35,000 which is satisfactory. The customer service and responses was really was not good. The charges are very high in case of late payment,
      Was this review helpful? 0
      , bangalore
      Reviewed on May 20, 2018
    • Standard Chartered Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the Standard Chartered credit card for a while. The gave me a limit of 118000. The card is also equipped with a solid reward points system. Overall I never had any issues with their services.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 18, 2018
    • Standard Chartered Bank Credit Card
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      It has been a good service which they have been providing so far, there has been no issues faced so far. The customer service also had been good and had been providing a good service. I have not faced any kind of issues so far with any of the banking or during any transactions using it.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 18, 2018
    • Standard Chartered Bank Credit Card
      "Good card to hold"
      0.5 5.0/5 "Blown Away!"
      I hold a Titanium credit card with STANDARD CHARTERED BANK. I used to get reward points with the card.I have not yet used the points. The application with the bank is good. For EMI conversion there will be no charges. The customer service with the bank is fine.
      Was this review helpful? 0
      , chennai
      Reviewed on May 17, 2018
    • Standard Chartered Bank Credit Card
      "Untrusted bank"
      0.5 0.5/5 "Unacceptable"
      Standard chartered systems are even this updated that they can provide the current status of how much payment u are supposed to make. When u ask them they will tell make payment XYZ after making payment of X Y Z. They will charge more when u will ask why i need to bow the interest even after making the complete payment they will say our system is like this Make fool of employees by misleading them and making money
      Was this review helpful? 0
      , pune
      Reviewed on May 16, 2018
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