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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

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    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.

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