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

    Are you looking for a credit card that offers higher reward points? You can choose from 7 different Standard Chartered credit cards that give you reward points or cashback each time you spend. The joining fees for these cards range from Rs.250 to Rs.5,000.

    Top 7 Credit Cards Offered By Standard Chartered Bank

    Standard Chartered Bank Credit Cards offer a lot of benefits and features including accelerated rewards, cashback offers, discounts, reward point redemption for air miles, good life programme, easy EMI, and a lot more to benefit the customers from all walks of life.

    Listed below are seven credit cards offered by Standard Chartered Bank along with some key features and benefits.

    Card Joining Fee (Rs) Key Features
    Standard Chartered Ultimate Card 5,000 Accelerated rewards, low foreign currency markup fee, and discounts on dining.
    Standard Chartered Manhattan Platinum Credit Card 999 5% cash back at supermarkets and 3x reward points.
    Standard Chartered Super Value Titanium Credit Card 750 5% cashback on fuel spends, utility bill payments, and telephone bill payments.
    Standard Chartered Emirates World Credit Card 3,000 Earn up to 6 Skyward miles on both domestic and international transactions, 5% cashback on duty-free shopping, and up to Rs.1 crore air accident insurance coverage.
    Standard Chartered Platinum Rewards Credit Card 250 5x reward points on dining and fuel spends.
    Standard Chartered Landmark Rewards Platinum Credit Card 250 9x reward points on spends made at Lifestyle, Max, and Home Centre and 5% cashback on grocery spends at SPAR.
    Standard Chartered Yatra Platinum Credit Card 499 10% cashback on travel and 4x reward points on bookings made on yatra.com.

    Note: Annual Fee is the same as the joining fee for these cards

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    Enjoy a range of benefits with Standard Chartered Bank (SCB) credit cards. From cash back to reward points, each card is designed to help you make the most of your expenses.

    You must choose a card that rewards you according to your spending habits. Take a look at the different cards offered by SCB in India to find the ideal one for you.

    Comparison Of Top Credit Cards By Standard Chartered Bank

    Here is a quick comparison of the credit cards offered by SCB:

    Card name Joining fee Renewal fee Rewards Interest rate Gross monthly income
    Standard Chartered Super Value Titanium Credit Card Rs.750 Rs.750 5% cashback on daily expenses such as fuel and telephone and utility bills 3.49% per month Rs.60,000
    Standard Chartered Manhattan Platinum Credit Card Rs.999 Rs.999 5% cashback on purchases made at supermarkets and departmental stores 3.49% per month Rs.1 lakh
    Standard Chartered Ultimate Card Rs.5,000 Rs.5,000 5 reward points per Rs.150 spent 3.49% per month Rs.2 lakh
    Standard Chartered Landmark Platinum Rewards Credit Card Rs.250 Rs.250 9x reward points per Rs.200 spent at Landmark affiliated stores 3.49% per month Rs.20,000
    Standard Chartered Emirates World Credit Card Up to Rs.3,000 Up to Rs.3,000 6 Skyward miles per Rs.150 spent on Emirates transactions 3.10% per month Rs.1 lakh to Rs.3 lakh
    Standard Chartered Yatra Platinum Credit Card Rs.499 Rs.499 (Rs.999 for premium variant) 10% cashback on travel bookings on Yatra.com 3.49% per month -

    Key features of Standard Chartered cards

    Standard Chartered Cashback Cards

    • 5% cashback when you purchase fuel
    • 5% cashback on payment of telephone and utility bills
    • 1 reward point per Rs.150 spent using this card
    • Discounts and deals on dining, shopping, and more at partner outlets
    • Premium banking customers can earn 5x reward points on overseas retail purchases, and free Priority Pass entry to over 1,000 airport lounges.

    • 5% cashback when you shop for a minimum of Rs.1,000 at supermarkets and departmental stores
    • 3 reward points per Rs.150 spent on other purchases
    • BookMyShow vouchers worth Rs.2,000 if you use your card within 90 days of issuance
    • Offers on travel, shopping, and dining with The Good Life programme

    Standard Chartered Rewards Cards

    • Up to Rs.10,000 cashback on MakeMyTrip if you use your card to book tickets within the first 90 days of issuance
    • 5 reward points for every Rs.150 spent with this card
    • 5% cashback on duty-free spends
    • Up to 25% off dining bills at selected restaurants in India through Dineout

    • 9x reward points per Rs.200 spent at Landmark stores
    • 5% cashback when you shop for groceries at SPAR
    • Vouchers worth Rs.2,800 when you sign up for this card
    • Discount on travel, shopping, and dining under the Good Life programme

    Standard Chartered travel cards

    • 6 Skyward Miles per Rs.150 spent on Emirates transactions
    • 3 Skyward Miles for every Rs.150 spent on all other purchases
    • 5% cashback on purchases made at duty-free stores
    • Complimentary overseas air accident insurance of Rs.1 crore

    Standard Chartered travel cards

    • 10% cashback on Yatra.com bookings
    • 4x reward points per Rs.100 spent on Yatra.com
    • Yatra cancellation fee waived off.
    • Get travel vouchers worth Rs.4,000 after 60 days of activating your card.

    Credit cards issued against other cards or life insurance policy

    • Standard Chartered Super Value Titanium Credit Card
    • Standard Chartered Manhattan Platinum Credit Card
    • Standard Chartered Ultimate Card
    • Standard Chartered Landmark Platinum Rewards Credit Card
    • Standard Chartered Emirates World Credit Card
    • Standard Chartered Yatra Platinum Credit Card

    Key Benefits Of Standard Chartered Cards

    Convert your purchases into EMIs

    Pay for any purchase above Rs.5,000 in monthly instalments with the Kuch Bhi on EMI facility. Get affordable interest rates, 1% processing fee, tenures of 6 months to 4 years, and no pre-closure charges.

    Pay off your outstanding balance in instalments

    You can repay the outstanding amount on your card in instalments at a rate of 1.49% per month and no processing fee. You can convert outstanding balance of up to Rs.5 lakh into tenures of 6 months to 5 years.

    Balance transfer to clear outstanding dues

    Transfer outstanding balance from other cards to your SCB card and save on interest payments. You can transfer up to Rs.5 lakh at an interest rate of 0.99% per month for the first 6 months.

    Loan on your card

    Get a loan of up to Rs.7.5 lakh on your credit card. These loans come at low interest rates and don't need any documentation.

    Online and mobile bill payment

    Pay your bills on-the-go with online and mobile banking. This way you can ensure that you don't miss the payment due date.

    Standard Chartered Bank Credit Card Fees And Charges

    Type of fees Charges
    Finance charges (retail interest rate)

    3.10% per month for Emirates World Credit Card

    3.49% per month for all other cards

    Minimum amount due each month 5% of the total amount due or Rs.250, whichever is higher
    Interest fee period 18 to 25 days
    Finance charge on cash advance Withdrawal at ATMs - 3% of the amount withdrawn or Rs.300, whichever is higher
    Cash advance limit At bank's discretion
    Late payment fee

    For balance less than or equal to Rs.100 - Rs.0

    For balance between Rs.101 and Rs.500 - Rs.100

    For balance between Rs.501 and Rs.5,000 - Rs500

    For balance between Rs.5001 and Rs.15,000 - Rs.700

    For balance greater than Rs.15,000 - Rs.800

    Cash repayment fee Rs.299
    Late fee charges Rs.100 over and above late payment fee if you don't pay the minimum amount due for 2 or more consecutive months
    Over-limit charges 2.5% of the amount over the limit (Min. Rs.500)
    Reward handling charges Rs.99

    Credit Score Required To Apply For A Standard Chartered Card

    The exact score required to be eligible for a card is based solely at the bank's discretion. However, a score of 700 and above is considered to be good if you want to apply for an SCB card.

    Documents Required For A Standard Chartered Card

    You will need to submit the following documents as part of your application for a new card.

    Identity proof

    Any one of the following:

    • Aadhaar card
    • Government ID
    • Voter's ID
    • Passport
    • PAN card
    Address proof

    Aadhaar and any one of the following:

    • Rental agreement
    • Bank or credit card statement from a different bank
    • Electricity, utility, or phone bill
    • Driving license
    • Passport
    Salaried individuals Latest payslip
    Self-employed businessmen
    • Latest business continuity proof
    • Latest IT returns with details of income or certified financials
    Self-employed professionals
    • Business continuity proof or credit card statement of another bank
    • Latest IT returns

    Standard Chartered Credit Card Balance Transfer

    If you have a higher-than-usual outstanding balance on a card from another bank, then you can transfer the amount to your SCB card. This will help you save on your interest and repay the amount faster. You can transfer up to Rs.5 lakh to an SCB card at 0.99% per month for the initial 6 months. After 6 months, if the balance is not repaid, then the regular interest rate applicable on Standard Chartered credit cards will be levied.

    Loan on your credit card

    You can get a loan of up to Rs.7.5 lakh on your SCB credit card. You can avail the loan at a low rate of interest and with minimum documentation. If your application is approved, the amount will be transferred to your account within 2 days.

    Standard Chartered Credit Card Bill Payment

    Listed below are the various methods through which you can pay your SCB credit card bill.

    • NEFT/IBFT
    • Bill desk
    • Online banking
    • National Automated Clearing House (NACH)
    • Visa payment
    • Phone banking
    • Auto debt
    • Cheque and cash payment
    • Payment apportionment

    How To Contact Standard Chartered Customer Care

    To ensure quick grievance resolution and smooth customer interaction, the bank offers various customer care channels. You can choose from the following options to post your queries to the bank.

    • Personal banking helpline
    • Premium banking helpline
    • Priority banking helpline
    • International toll-free number
    • Banking centres
    • Post
    • Email
    • Audio, video, and text chat
    • SMS and Facebook
    • Online complaint form

    How To Earn And Redeem Reward Points

    With the 360 degree Rewards programme, you can earn reward points with your card on specific spend categories. The points you accumulate can be redeemed for a variety of items such as vouchers, gifts, and air miles.

    Standard Chartered Credit Card Offers

    The bank offers exclusive discounts, deals, and offers to help you make the most of your credit card. From discount on travel and dining to cashback on online purchases, you can save more with these promotional offers.

    How To Close Your Standard Chartered Credit Card

    If you wish to terminate your card, then you must call the client care centre. The helpline is open 24x7. You will be required to clear any outstanding balance before closing the card. Once your account is closed, the card must be returned to the bank, preferably rendered unusable by cutting into two.

    If your card has been issued against a deposit, then the bank can use funds from it to clear the dues if you fail to make your payment.

    FAQs on Standard Chartered Credit Card

    1. How long do I have to wait to get my new credit card?
    2. Once you have completed the application process, it usually takes 7 to 15 working days for you to get your card, pending verification and approval. The wait period varies from applicant to applicant and can take more than 15 days as well.

    3. How do I get a replacement card?
    4. You need to log in to SCB's online banking to request for a new card. If your old card has been stolen or lost, you need to first inform the bank to block it. This will make sure that no fraudulent transactions are carried out using that card.

    5. Is there an age limit on who can apply for a credit card?
    6. Yes, only those who are above 21 years of age can apply for a card. You need to have a steady income and a favourable credit report to be eligible as well. The upper age limit for applicants of most cards is 65 years.

    7. Can I get a card for my family?
    8. Yes, you can request the bank to approve add-on cards that can be used by family members. A percentage of your credit limit will be dedicated as the limit for the add-on cards.

    9. What is the minimum amount I have to pay each month?
    10. The minimum amount that you must pay each month is Rs.250 or the higher amount of any of the following:

      5% of the total outstanding amount which includes your add-on cards.

      Total of all EMIs on the card, interest rate, amount used over the limit, other fees and charges, and 1% of the principal amount.

      

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    Standard Chartered Bank Credit Cards Reviews

    • Standard Chartered Bank Credit Card
      "Good card for all purposes "
      0.5 4.0/5 "Great!"
      Standard Chartered customer service delayed to reach me and when I call them there was a language barrier other than this their response is good. I am using this card for 15 years and it is a life time free card, the limit is sufficient more than one lakh. I use this card for many purposes and it is useful for an emergency purpose too.
      Was this review helpful? 1
      , chennai
      Reviewed on Mar 21, 2020
    • Standard Chartered Bank
      Standard Chartered Bank Credit Card
      "Good card for shopping purpose "
      0.5 3.0/5 "Satisfactory"
      I have applied STANDARD CHARTERED BANK card via other channel. I taken this card on 3 months before the process was smooth but not used much. They offered a life time free card, the credit limit is sufficient. I use mainly for shopping of online purchase. Benefit for online purchase and selected retails shop. But they have to provide more offers.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2020
    • Standard Chartered Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      If I spend any charge for Standard Chartered credit card of Rs. 150 and i will be getting 3-4 points. This bank does not have next level card, if any one interest to go next level card that is not applicable. Rate of interest was okay processing for loan and all flat 2% they are charging.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 19, 2020
    • Standard Chartered Bank Credit Card
      "Good offer"
      0.5 4.0/5 "Great!"
      I am using STANDARD CHARTERED card for more than 6-10 months. Since I maintain a salary account with them so I got a pre approved card offer and within a week I received the card. It is a life time free card and the credit limit is 25K. They have provided EMI conversion is applicable with nominal charge. I use for shopping , restaurants and fuel where I get good points.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 17, 2020
    • Standard Chartered Bank Credit Card
      "Good card "
      0.5 5.0/5 "Blown Away!"
      STANDARD CHARTERED Bank has provided annual fee chargeable card which was applied direct from bank on one year back. There is a waiver off option if I spend certain amount of usage. The credit limit is 2L. At initial I got 1.15L now they have enhanced well. I not preferred for cash limit. I use this card for dining out, shopping and online purchase. Based on usage I get reward points.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 11, 2020
    • Standard Chartered Bank Credit Card
      "My credit card missing please find my credit card no cvv sed"
      0.5 5.0/5 "Blown Away!"
      Credit card payment outstanding amount I am paying please find credit card no missing please send my email id credit card no my credit card missing how much amount outstanding amount my credit card please tell my sir standard chartered Bank
      Was this review helpful? 2
      , bangalore
      Reviewed on Mar 07, 2020
    • Standard Chartered Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have Standard Chartered Bank credit card which was taken through bank .There are more hidden charges also .This was a free card and the rate of interest was very high .The credit limit was sufficient it was 90,000 and having an option of converting emi .I am not using this card very frequently .There will be movie tickets offers as well as fuel benefits .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 03, 2020
    • Standard Chartered Bank Credit Card
      "Good service "
      0.5 4.0/5 "Great!"
      I am using STANDARD CHARTERED credit card more than 8 months and i was applied this card through online. I am happy with the credit limit what they given and i have no idea about card charges. I am using for shopping, some time i will do payment and hospital purpose.
      Was this review helpful? 0
      , faridabad
      Reviewed on Mar 02, 2020
    • Standard Chartered Bank Credit Card
      "Basic card"
      0.5 3.0/5 "Satisfactory"
      I am using Standard Chartered bank credit card for around 5 years. Initially I was getting some offer like good joining benefits and they were giving some discounts on fuel sur charges waiver. The given credit limit is fine for me. Initially they were not charging any annual fee and they will waive off but for that every time I need to contact with the customer care service and its to connect with them also.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 01, 2020
    • Standard Chartered Bank Credit Card
      "Need to improve the service"
      0.5 1.0/5 "Really Bad"
      Standard chartered bank has offered a credit card. I could not check the statement from their app and they won't send any bill notifications as well. Its totally waste to use this card. Their service is not proper when I called the customer care and no one pick up the call. Even though I have installed the app also, it won't show the bill details properly. I'm planning to canceled this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 23, 2020
    • Standard Chartered Bank Credit Card
      "Need to improve customer service & reduce interest charge "
      0.5 2.5/5 "Just OK"
      I have been using STANDARD CHARTERED credit card for past 4 years. Whenever balance has exhausted debit charges are applicable and the limit was exceeded based on my usage, charges are applicable regarding about this issue I had raised the compliant but no response from their end.
      Was this review helpful? 1
      , bangalore
      Reviewed on Feb 18, 2020
    • Standard Chartered Bank Credit Card
      "Nice Services"
      0.5 4.0/5 "Great!"
      There is a money back policy, when am filling a petrol in a bunk using Standard Chartered bank credit card for this main reason am holding their credit card. I get a instant discounts based on my purchase. They gave me a good credit limit. They didn't charge me any kind of annual fee. I have not contacted the customer care service till now. Its easy to make the bill payment.
      Was this review helpful? 3
      , pune
      Reviewed on Feb 15, 2020
    • Standard Chartered Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am using Standard chartered bank credit card which was taken through Bank .I am using this credit card for the past 2 years .The credit limit was sufficient and this was a free card and the process was smooth and i am using this credit card frequently .According to my experience i am satisfied with the banking service.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 13, 2020
    • Standard Chartered Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      From STANDARD CHARTERED Bank, i am using credit card for a quite long time. I am getting double reward points in Standard chartered Bank. Credit limit is good and i applied this card through other portal. Service was good and i am getting alert message whenever i am doing shopping.
      Was this review helpful? 2
      , kolkata
      Reviewed on Feb 13, 2020
    • Standard Chartered Bank Credit Card
      "Average Service"
      0.5 2.0/5 "Expected more"
      I have Standard Chartered Bank credit which was taken through bank.There are discounts on shopping and can redeem the reward points .This card was delivered on time and acceptable on all places. Everything was good and according to my experience the service was average.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 01, 2020
    • Standard Chartered Bank Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I am using Standard Chartered Bank credit card which was taken through Bank . I am really happy with the credit limit and this was a life time free card.There are movie ticket offers as well as well as airport lounge access but not used so far .I have not faced any drawbacks so far on using.
      Was this review helpful? 1
      , pune
      Reviewed on Jan 31, 2020
    • Standard Chartered Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been using STANDARD CHARTERED BANK credit card for more than 7 years which was applied through other channel. It is card to card. They have provided annual fee chargeable but there is waiver off option need to spend 30K within a year. I use this card for all purposes. Only the drawback is If need to apply this card the parameter is high and customer has to get basic salary of 50K.
      Was this review helpful? 1
      , pune
      Reviewed on Jan 30, 2020
    • Standard Chartered Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have Standard Chartered Bank credit card which was offered by bank. Though I am not having account with this bank but got the card because my credit score was good. This was a chargeable card and getting priority pass for international lounge access as well as for traveling abroad. Everything was good on this card .The credit limit was 3.7L which is really good.
      Was this review helpful? 1
      , chennai
      Reviewed on Jan 29, 2020
    • Standard Chartered Bank Credit Card
      "Good "
      0.5 5.0/5 "Blown Away!"
      Standard Chartered Bank provided me a credit card based on my salary account. The reward points are available and have redeemed some points too. The customer service is good. The credit limit is sufficient and good even they asked me to upgrade the limit which i don't required.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 29, 2020
    • Standard Chartered Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I am using Standard Chartered Bank credit card which was availed through online .I am using this credit card for the past 3 to 4 years .The credit limit was good and it is sufficient ,This card is good to use and there was no drawbacks faced so far .According to my experience the service was much convenient .
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 29, 2020
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