Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • Standard Chartered Bajaj Finserv World Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    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

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      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      Standard chartered platinum credit card service was good ,the customer support was awesome. The rate of interest and the charges was good with Standard chartered credit card service,credit limit they offered me was very good it was a good experience with Standard chartered bank credit card service.
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      "Satisafctory"
      0.5 5.0/5 "Blown Away!"
      I have my credit card with STANDARD CHARTER bank 4-5 years back . They have offered titanium International card and the credit limit was 48,000 which was not satisfactory . The validity is up to 2022 and I have 24/7 helpline number. The customer service and responses provided by SCB is really good.
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      , ahmedabad
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    • Standard Chartered Bank Credit Card
      "Good "
      0.5 4.0/5 "Great!"
      Credit limit value is fine one for me with the Standard chartered bank credit card and the online portal is moderate one too. Standard chartered bank credit card customer service is fine one with the Standard chartered bank credit card.
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      , bangalore
      Reviewed on Dec 14, 2017
    • Standard Chartered Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with Standard Chartered Bank from last 14 years, the credit card services is very good comparatively. They did not charge any annual fee at the time of getting this credit card. I get good offers like loans with low rate of interest and EMI conversions. I have a credit limit of Rs 1.06 lakhs which is comparatively less.
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      , hyderabad
      Reviewed on Dec 13, 2017
    • Standard Chartered Bank Credit Card
      "Excellent banking"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with Standard Chartered Bank. for past few years.It has a good limit to transact with the card lakhs.Phone banking always do respond on time.Net banking and mobile App is convenient to use.I do get many offers for shopping at online stores.I pay an annul fees of 500 however its waived off if i spend 30,000 in a year.
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      , mumbai
      Reviewed on Dec 13, 2017
    • Standard Chartered Bank Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      I am using Standard Chartered Bank credit card from last 10 years, the experience was good so far with this credit card. There is no annual fee charged for this credit card. I get offers like buy 1 get 1 movie ticket and 2 complimentary lounge access. I use this credit card for general purpose and the credit limit is good.
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      , mumbai
      Reviewed on Dec 12, 2017
    • Standard Chartered Bank Credit Card
      "Fabulous"
      0.5 5.0/5 "Blown Away!"
      I am having the Standard chartered bank credit card and am using it from the last two to three years of time. I would like to say that the response is very good. I am happy with the Standard chartered bank credit card.
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      , bangalore
      Reviewed on Dec 11, 2017
    • Standard Chartered Bank Credit Card
      "Better"
      0.5 4.5/5 "Excellent!"
      I do hold Standard chartered bank credit card and am using it from the last two to three years of time. I would like to say that the credit limit value is good one for me, also am happy with them. I dont have any issues with them.
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      , gurgaon
      Reviewed on Dec 11, 2017
    • Standard Chartered Bank Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      Standard chartered bank credit card department was good ,also the interest rate and the charges was good with Standard chartered. The customer support was good and some time they provide me with good offers I wont use it much still it was a average service from Standard chartered credit card department.
      Was this review helpful? 0
      , pune
      Reviewed on Dec 11, 2017
    • Standard Chartered Bank Credit Card
      "Average"
      0.5 5.0/5 "Blown Away!"
      I had taken a credit card with Standard Chartered Bank. I am using it for almost 20 years. The reward points and online options are not good. I make the payment through online banking. It was average service with SCB. They don't charge annual fee.
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      , bangalore
      Reviewed on Dec 09, 2017
    • Standard Chartered Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      The service was good with Standard chartered platinum credit card service but they lack in response and intimations for my payment also Standard chartered credit service have lot of hidden charges ,customer support was good it was totally a good experience with Standard chartered platinum credit card service.
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      , noida
      Reviewed on Dec 08, 2017
    • Standard Chartered Bank Credit Card
      "Good card to use"
      0.5 3.0/5 "Satisfactory"
      Standard Chartered Bank provides good services on credit card when compared to all other credit cards. I am using this credit card from last 8 months.This is a lifetime free credit card. I get offers like 5% cash back on utility bills. I use net banking for making payments and there are no hidden charges on any transactions. The credit limit is less and this credit card is recommendable.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 08, 2017
    • Standard Chartered Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken a credit card with Standard Charted Bank.They have given good limit on the card,the service is good and give prompt response.Net banking is good to perform transactions.I wont recommend the bank as they don't have enough branches loacted at my place.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 08, 2017
    • Standard Chartered Bank Credit Card
      "They can do it better"
      0.5 3.0/5 "Satisfactory"
      Standard Chartered is charging high rate of interest, after the bill generation they are giving only 10 days to make the payment. But offers are really good for dinning, shopping, restaurant and they got tie up with many merchandise and e commerce sites.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 08, 2017
    • Standard Chartered Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I hold a platinum reward card with STANDARD CHARTERED BANK. My current limit is 45000. For the past 2 years i am using this card. I have not checked for the reward points with the card. There is no offers on online website with this card and i have not seen any offers.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 06, 2017
    • Standard Chartered Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I have a credit card with Standard Chartered Bank from last 4 years and it is a good card to use. This is a lifetime free credit card and i have a cash limit of Rs 25000 in this credit card. There are no offers like cash back and reward points in this credit card. I use this credit card for online purchase and for dining purpose, the credit limit is sufficient and i use net banking for making payments.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 06, 2017
    • Standard Chartered Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I have been using Standard Chartered Bank's Credit Card for about 4-5 Years and the experience with it has been good. The Credit Limit offered by them is quite good. I have been getting decent offers from most of the ecommerce purchase site that I usually visit.
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      , ghaziabad
      Reviewed on Dec 06, 2017
    • Standard Chartered Bank Credit Card
      "Looking for better credit limits and offers"
      0.5 3.0/5 "Satisfactory"
      I am not happy with Standard Chartered, they are not giving good offers and also they offered me less credit limit. I have been using Standard Chartered credit card for past 2.5 years, still I could see any benefits on card. I would like to suggest them to improve on offers and credit limit.
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      , hyderabad
      Reviewed on Dec 06, 2017
    • Standard Chartered Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have taken credit card with SCB was good. I am using the card for past 6 to 7 years. The credit limit was satisfactory. It is not a life time free credit card. The reward points and cash back offers are fantastic. The card is used for everything.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Dec 05, 2017
    • Standard Chartered Bank Credit Card
      "convenient to use."
      0.5 4.0/5 "Great!"
      I have taken a credit card with Standard chartered bank.I don't have an annual fees to hold this card.The bank has given a good limit,its sufficient to use, i am happy with the service of the bank,the phone banking service is good and online service is easy to access.
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      , chennai
      Reviewed on Dec 05, 2017
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