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

    Standard Chartered offers 7 credit cards with each curated to offer specific benefits and features for the customers. The credit cards offer a wide range of benefits from reward points on each transaction made, travelling benefits with Yatra.com, dining benefits as well as the waiver of fuel surcharge. The credit card is suited to fulfill the needs of all kinds of customers depending on their lifestyle.

    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.

    Name of the card Joining Fee (In Rs) Annual Fee (In Rs) Key Feature
    Standard Chartered Ultimate Card 5,000 5,000 Accelerated rewards, low foreign currency markup fee and discounts on dining
    Standard Chartered Manhattan Platinum Card 499 499 5% cash back at supermarkets and 3x reward points
    Standard Chartered Super Value Titanium Card 499 750 5% cashback on fuel spends and utility bill payments
    Standard Chartered Emirates World Card 3,000 3,000 Earn Skyward miles on both domestic and international transactions, 5% cashback on duty-free shopping and complimentary airport lounge access
    Standard Chartered Platinum Rewards Card 399 750 Five reward points on dining and fuel spends
    Standard Chartered Landmark Platinum Rewards Card 250 250 9 reward points on our grocery, home and lifestyle shopping. Redeem reward points instantly at Lifestyle, Max and Home Centre.
    Standard Chartered Yatra Platinum 499 499 10% cash back and 4 RP on travel tickets booked through yatra.com
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    We found 5 Standard Chartered Bank Credit 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

    How to apply for a Standard Chartered card online

    • Visit the bank's website to choose a card that rewards you according to your spending pattern.
    • Click on the 'Apply Now' button.
    • Fill in the required details such as city of residence, income, employment status, and date of birth.
    • If you meet the eligibility criteria, you will get instant approval.
    • A representative of the bank will contact you to take the application process further.

    Additionally, you can visit any SCB branch near you to apply for a new card.

    Track your application status online

    If you have applied for a credit card, you can check the status of your application online. Follow these steps to check your status:

    • Visit the bank's application tracking portal.
    • Key in your reference number and your mobile number.
    • Click on the 'Submit' button.
    • You will find the status of your application on your screen.
    • If you can't remember your reference number, then you can click on the 'Forgot Reference Number' and provide your registered email id to retrieve the application reference number.

    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:

    11. 5% of the total outstanding amount which includes your add-on cards.
    12. 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"
      0.5 4.0/5 "Great!"
      I use Standard chartered bank credit card from long time, they have given me less credit limit they have been given me up to 20,000 which was very less, i am not happy with the limit, they have not given me good offers, they have not charged me annual fee,it is life time free card.
      Was this review helpful? 0
      , kolkata
      Reviewed on Apr 22, 2019
    • Standard Chartered Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using Standard Chartered bank credit card for a while, they have charged me annual fee or not i have no idea, but i am not happy with my credit limit they have given me in this card, they have given me good credit limit as per my expectation, and they give good offers, only i am not happy with credit limit apart of that the service provided by them is very good.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Apr 21, 2019
    • Standard Chartered Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I took Standard chartered bank credit card, They have not been charging me annual fee, the credit limit which they have given to me was good, they have given me limit on based on my expectation, their mobile application is user friendly , so far experience was good with this card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • Standard Chartered Bank Credit Card
      "Communication should be improved"
      0.5 1.0/5 "Really Bad"
      I feel Standard Chartered credit card offers are less, though I have been using this card around one year. I could not see more benefits on the card. There is no communication from the bank end, no one ever called me to give the credit card service.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 20, 2019
    • Standard Chartered Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It has almost been four years since i am using the STANDARD CHARTERED CREDIT CARD where i am happy with the services provided by them. The credit limit with this card is pretty decent and it has some good benefits like discounts and coupons which i used to get. I am using the card for shopping and for most of the other purchases.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 20, 2019
    • Standard Chartered Bank Credit Card
      "Not satifactory card"
      0.5 1.0/5 "Really Bad"
      My credit card was taken with STANDARD CHARTERED BANK . There is annual fee with rs 799 it is very high because i have multiple card and in all such card they are charging annual fee . I ma not getting proper bank statement too . I got TITANIUM SUPER VALUE credit card .
      Was this review helpful? 0
      , noida
      Reviewed on Apr 19, 2019
    • Standard Chartered Bank Credit Card
      "Not satifactory card"
      0.5 1.0/5 "Really Bad"
      I got STANDARD CHARTED BANK Credit card . There is annual fee with this card . The services are not up to the mark here and i am not happy with the customer service initially they say something and do something . They offered very low credit limit and they offered MYNTRA credit card .
      Was this review helpful? 0
      , noida
      Reviewed on Apr 19, 2019
    • Standard Chartered Bank Credit Card
      "Not satifactory card"
      0.5 1.0/5 "Really Bad"
      I have STANDARD CHARTED BANK credit card . I am not getting the statement of bank so i am not aware about the updates i am not happy with the services of this bank . There is annual fee at the time of getting the card . I hold STANDARD YATRA credit card .
      Was this review helpful? 0
      , noida
      Reviewed on Apr 19, 2019
    • Standard Chartered Bank Credit Card
      "Not satifactory card"
      0.5 1.0/5 "Really Bad"
      I have STANDARD CHARTERD BANK credit card . There is annual fee of 250 rs per annum . I have multiple card of this bank and earlier they said me they will provide 10000 of limit in every card but they combined and gave me which is not fair . The limit is very low .
      Was this review helpful? 0
      , noida
      Reviewed on Apr 19, 2019
    • Standard Chartered Bank Credit Card
      "Not satifactory card"
      0.5 1.0/5 "Really Bad"
      I have STANDARD CHARTERED BANK Credit card . I got this card offline . They offered 100000 of credit limit with this card . The annual fee is 250 rs per annum I am not getting any offers here and i have STANDARD PLATINUM credit card . Card is chargeable .
      Was this review helpful? 0
      , noida
      Reviewed on Apr 19, 2019
    • Standard Chartered Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have Standard chartered bank credit card from long time, they have given me good offers in all transaction i do maximum, they have not charged me annual fee, the credit limit which they have given to me was good, their is EMI option available in this card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 19, 2019
    • Standard Chartered Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been holding Standard chartered bank lifestyle credit card from long time, They have not charged me annual fee, but i am not happy with the credit limit they have given me very less limit as per my expectation, even their offers which they are giving is not that good.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 19, 2019
    • Standard Chartered Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I hold Standard chartered bank credit card , i am not happy with their service, like if any issue or query arise i can not talk to the customer care instantly, like i need to wait for 10-15 minute to get connected to the customer care, while applying this card they gave commitment of waived off, good offers,but as of now i did not got any offers from them, by 6 months or 1 years i will surrender this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 19, 2019
    • Standard Chartered Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have this Standard Chartered Bank Credit card from long time, They have been charging me annual fee but waived off option is available , they have given me good credit limit on based on my expectation which i had, they use to give good offers and discounts.
      Was this review helpful? 0
      , noida
      Reviewed on Apr 19, 2019
    • Standard Chartered Bank Credit Card
      "Not satisfied"
      0.5 2.0/5 "Expected more"
      I do have a credit card with standard chartered bank for last eight month , this is free card and credit limit is 60K. Their customer service is not much good and response is not properly given. I am not using this card and I am gonna cancel this card.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 19, 2019
    • Standard Chartered Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have this Standard Chartered Bank Credit card for the past 1year.This is very good to use .It is having good cashback offers and reward points also .The credit limit was good .The service is good .I have not faced any issues so far on using it .The service is good .
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 17, 2019
    • Standard Chartered Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      Till date never faced any issue with STANDARD CHARTED BANK . Things going smooth in terms of transactions. I applied on-line and got the card delivered to me in few days. They provide me the limit of 45000 where i was expecting of more than 100000 .
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 17, 2019
    • Standard Chartered Bank Credit Card
      "Very good service"
      0.5 4.0/5 "Great!"
      I am using the STANDARD CHARTED CREDIT CARD for almost six months and the services with them had been quite good. The credit limit with the card is good and there has been some good offers which comes with the card. I use the card mostly for shopping and also for other purchases as well. There is some annual charges with the card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 17, 2019
    • Standard Chartered Bank Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      I have taken the credit card with the STANDARD CHARTERED BANK they have offered good credit limit with this card which is satisfactory also added on that the card is user friendly to access. They have the EMI conversion option with this card and it is convenient.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 17, 2019
    • Standard Chartered Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I am not happy with the Standard Chartered Bank credit card. They need to work on the offers. The valuation of points is also not satisfactory. I would not be using the card. The customer support and response is also on the average side, they could be more proactive.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 17, 2019
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