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
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
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.
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
How long do I have to wait to get my new credit card?
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.
How do I get a replacement card?
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.
Is there an age limit on who can apply for a credit card?
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.
Can I get a card for my family?
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.
What is the minimum amount I have to pay each month?
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.
Interest Rates Slashed on Outstanding Credit Card Dues
Shoppers across India will rejoice, as the Reserve Bank of India has instructed banks to recheck and reduce the interest rates levied on outstanding credit card balances. This mandate from the RBI is a move to ensure that there is fairness and transparency with respect to credit card finances. Additionally this measure also comes as a respite for credit card customers paying interest rates as high as 42% per annum for failed and late payments. The RBI also issued another directive to banks to put a ‘zero liability’ policy in place for fraud victims, in situations where negligence is not the key reason for fraud.
The Reserve Bank stated that the Indian Bank’s Association will set forth detailed operational guidelines for banks in both regards to make it convenient for banking customers. As far as internet fraud is concerned, RBI said that the bank needs to address the problem faced by a fraud victim and determine whether the fraud happened due to customer negligence. In cases where the bank is unable to do so, then the customer should be given the benefit of doubt and a refund process should be put into place.
5% Cashback on Standard Chartered Credit Cards at Lifestyle and Home Centre Stores
Customers can avail 5% cashback at all Lifestyle and Home Centre stores by using their Standard Chartered credit cards. This offer is applicable for bill amounts over Rs.5,000 for spends made during the ‘Off Sale’. Many customers look forward to this sale, held to mark the new year, for the great discounts offered on both fashion and housing products, across brands. The 5% cashback offer is applicable in addition to marked discounts, which can be as much as 50% on some products.
Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.
I have Standard Chartered Bank credit card which was taken through bank.I am using this credit card almost 1 year ,There was airport lounge access and also every month movie ticket offers are there .I am paying the credit card bill on time without any hassles.I am satisfied with the service.
Purchased my Standard Chartered bank credit card around 8 years back. Sales executive approached me to take this card so i bought it. I got the limit of Rs. 40000 earlier my limit was only Rs. 20000 after completion of 5 years, they have increased upto Rs. 40000. I'm not paying any annual fee for this credit card. I do pay my bill through NEFT Transaction.
Standard chartered bank card is good to use which is not swiped frequently. This bank features has good but their rewards point system much more good when i compared to my other credit cards. I have a salary account based on that i applied. Customer service was super.
I am using Standard chartered bank credit card for more than 1 year. Reward points facilities is very good and I can convert into shopping vouchers not as cash. I have a credit limit of 59K which is sufficient. The rate of interest for EMI conversion is quite okay.
I have Standard Chartered Bank credit card which was taken through bank .I am using this credit card for the past 25 years .This was a free card and not yet under gone any drawbacks so far on the usage. I am satisfied with the credit limit and the service was much comfortable .
I have a credit limit more than 50K in my Standard Chartered credit card. EMI conversion and balance transfer options are available. I applied for this card online it was a simply process. I am using for past 5 months. I get offer on online shopping sites.
Standard Chartered bank is one of the best bank and they will provide credit card loan with the reasonable interest rate. Whenever i want they will increase my credit limit based on my transactions. Compared to other credit cards, they are not providing much offers in the market but EMI option is available.
I have taken STANDARD CHARTERED bank credit card on 11 years before. The rate of interest is very high. The credit limit was provided of 1.25L but now they have decreased the limit to around 59K. It is a platinum card. They offered a annual fee of 800 rupees. I used this card for international purpose it was useful at that time.
Since i have a salary account from Standard Chartered bank, they have provided me credit card with annual free charges. At the time of taking the card, they told me that i will be getting a fuel sur charges waiver but i couldn't avail till now hence I'm planning to close the card. They will put on hold in IVR for almost 3 minutes before the call get connected with the executive which is not fair.
I have an account with Standard chartered so I had a option to apply for credit card. I opted this card as it is a life time free. It is basically a lifestyle card, I get more offer on shopping. I too have good reward points, which can be converted into form of cash. I have a credit limit of only 50K which is very low, I have requested for enhancement. The process was quick once I submitted the documents to bank executive with in 5 days I received the card.
Standard chartered bank card is good to use which is not swiped frequently. I thought that the Standard Chartered bank features will be good but their rewards point system is not that much good when i compared to my other credit cards. I applied the credit card through online.
I am using standard chartered credit card since 1.5 years. Annual charge for this card is Rs. 600 and if i spend 1L in a year no need to pay the charges. This is a titanium card they given me a good credit limit and also i got a cash back on fuel. Mostly used for shopping, fuel in paytm service. Customer service was good.
I am using Standard chartered bank credit card for past 2 months. I applied through online and the process was longer around 18 to 20 days. As its an online process, would suggest bank to reduce the processing time. Credit limit is sufficient, it is above 1.8L and got a life time free credit card.
I am using STANDARD CHARTERED credit card and this is a fantastic card and also this is a global bank. I have a good credit limit of Rs. 4lakhs. If i pay credit card bill on time no charges. Customer service was good this is a complete reward card and they have cash back additional.
I have used Standard Chartered bank credit card once, after that have given a request to discontinue the card but the staffs are not supportive and they forced me to use the card for one more year. The yearly charges are Rs. 250 which i didn't pay hence they themselves blocked the card by saying customer did not pay the annual fee due to this my credit score has been reduced.
There is no specific benefits available on my Standard Chartered bank credit card. I am having this card for almost 20 years. The only issue with the card is like i cannot do a online payment through SBI debit card. I got the limit of Rs. 1.60 lakhs. In the customer care, the response was okay.
I am using Standard Chartered Bank credit card for more than 3 years. It is a life time free credit card. I get rewards points and fuel surcharges are waived off. Emi conversion options are available and I have opted many times which I can do in mobile app, it is simple and easy. Interest rate is very normal.
I am holding STANDARD CHARTERED credit card more than 6 years. I applied this card through the representative. Annual charge is there and it have some waiver off, if i spend Rs. 50k in a year no charges are applicable. EMI conversion is available if i purchase Rs. 2000 i can convert into EMI and also it have a drop down like pay for 6 months, 12 months. The credit limit is sufficient of 98K. Rewards program was Fabulous, if i spend Rs. 100, i am getting 5-7 points and more over shopping like Adidas, Nike, Pantaloons, shopper stop where i can convert my points into cash directly overall its simply superb. Credit limit is good.
From Standard Chartered bank, i am having a credit card and was happy with the card but they don't have rewards point system. Nowadays, I'm using the card very rarely. I hold it for emergency purpose. I never come across with the interest rate but i know the charges are nominal and the bank is customer friendly. Actually there is no any wow factors on the card.
I had a credit card from Standard Chartered bank and i have closed the same. They had a scheme which was not intimated to me, my card was upgraded every year and they do charged me Rs. 2000. When i checked they told me to call the customer care to stop this renewal process which I didn't do again they have charged me Rs. 2000 as a renewal fee. I never received statements also. Then i sent a mail to their team, they have charged some interest for Rs. 2000 finally it was accumulated upto Rs. 20000. Finally they are asking me to pay this full amount of Rs. 20000 to close the card to take a NOC letter.
