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:
| 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
| 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
- 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.
