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  • Standard Chartered Bank Credit Cards

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  • 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 Service"
      0.5 5.0/5 "Blown Away!"
      I have Standard Chartered Bank credit card which was offered by Bank since have a salary account .I am using this credit card for the past 3 years,The credit limit was good ,I have got all the details about the card process very clearly through the agent .I am really satisfied with the service .
      Was this review helpful? 0
      , pune
      Reviewed on Oct 11, 2019
    • Standard Chartered Bank
      Standard Chartered Bank Credit Card
      "Okay"
      0.5 3.0/5 "Satisfactory"
      I am not getting any benefits from Standard Charterd Bank card, I use this card only for Max showroom purchase and will be earning reward points. Here 1point = 0.6p and the redemption of the points are very much easier but the conversion value is less.
      Was this review helpful? 1
      , kolkata
      Reviewed on Oct 08, 2019
    • Standard Chartered Bank Credit Card
      "Best Card"
      0.5 4.0/5 "Great!"
      Standard chartered bank credit card is best because its easy to pay the bills on time. Service is good and its a free card hence there is no charges. Based on the credit limit, they are offering a loan and the rate of interest rate also less. I contacted the customer care once and the response is fine.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 30, 2019
    • Standard Chartered Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I am using Standard chartered Bank credit card which was taken through Bank directly .I am using this credit card for the past 7 years ,This credit card is really good to use and so far there was no difficulties faced so far on the usage,This was a chargeable card and got the card on time .
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Sep 30, 2019
    • Standard Chartered Bank Credit Card
      "Great to use"
      0.5 5.0/5 "Blown Away!"
      The credit card services are good and am getting lots of option from Standard Chartered Bank credit card. The customer service is great and very professional too. They do have an annual fee of $30 because am a NRI. The credit limit is satisfactory.
      Was this review helpful? 0
      , lucknow
      Reviewed on Sep 29, 2019
    • Standard Chartered Bank Credit Card
      "Increasing your ATM's man"
      0.5 5.0/5 "Blown Away!"
      Standard Chartered Bank credit card is good and they also provided a nice credit limit. They keepon increasing the limit without any request which was really good. My wife is using the card for 8 to 9 years and there is annual fee but it will be waived off according to the certain limit. In these years, we have paid annual fee for once or twice. They are very transparent and best on the charges.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Sep 18, 2019
    • Standard Chartered Bank Credit Card
      "Good Card for super market purchase"
      0.5 3.0/5 "Satisfactory"
      One upon of a time, Standard charted bank was good for me. They have given me a credit limit of RS. 3.5 lakhs and this is a life time free credit card hence they have given some benefits on super market like 5% cashback on purchase but there is a limit on per transaction. There is a offer on utility bill payments.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Sep 16, 2019
    • Standard Chartered Bank Credit Card
      "Better to skip this card"
      0.5 3.0/5 "Satisfactory"
      I am having a credit card from Standard Chartered card and I'm holding this card for a couple of year but I couldn't find more offers either at e commerce sites or other vendors. They have offered me a good credit limit based on my existing credit cards.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 12, 2019
    • Standard Chartered Bank Credit Card
      "Need to work on the offers"
      0.5 3.0/5 "Satisfactory"
      I am using Standard Chartered card for last 19 years, but I couldn't see more offers either at e commerce sites or other vendors. Even they used to charge Rs. 750+ tax comes altogether Rs.850 yearly fee but there is no such features hence I am planning to close this card.
      Was this review helpful? 1
      , gurgaon
      Reviewed on Sep 10, 2019
    • Standard Chartered Bank Credit Card
      "Worst phone banking service"
      0.5 0.5/5 "Unacceptable"
      I was trying to reach the phone banking service. Their phone banking service is not customer friendly and you have to listen to unwanted ads before you get an option to talk to a customer service executive. I spent 15 minutes after this and yet no one answered.i would give 0 rating if that was possible
      Was this review helpful? 2
      , bangalore
      Reviewed on Sep 07, 2019
    • Standard Chartered Bank Credit Card
      "Good for the online shoppers"
      0.5 5.0/5 "Blown Away!"
      Standard Chartered mobile app version is very good I can manage everything from my place, its a free card. I think they have insurance on the car but I didn't check about it, they do have fuel surcharge. More over they have very good cash back myntra and other sites.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 31, 2019
    • Standard Chartered Bank Credit Card
      "Higher interest rate card"
      0.5 2.0/5 "Expected more"
      I have cleared my debts in the past for my Standard chartered bank. When i have been using the card in past, the rate of interest was too high i was using the card in 2012. Unfortunately still its visible in the credit score but i am not receiving the reminders or any mails from them and i have not received the NOC letter.
      Was this review helpful? 1
      , mumbai
      Reviewed on Aug 27, 2019
    • Standard Chartered Bank Credit Card
      "Interest should be reduced"
      0.5 3.0/5 "Satisfactory"
      Standard Chartered credit card is okay for me, last one year I have been using their service. They need scope of improvement on the customer support and the charges are huge for one day late payment they charge Rs.500 + gst. Hence I am not happy with the charges.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 26, 2019
    • Standard Chartered Bank Credit Card
      "Credit limit should be enhanced"
      0.5 5.0/5 "Blown Away!"
      Everything is satisfactory in Standard Chartered credit card expect the credit limit, I am using this card around 8 months, they didn't the enhance the limit. The card feature is good , they usually have buy one and get one movie ticket offer and groceries products discounts are there hence its good.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Aug 26, 2019
    • Standard Chartered Bank Credit Card
      "Very Good card"
      0.5 4.0/5 "Great!"
      Nowadays, I'm not using the standard charted bank credit cards and i just closed the card because its a old card and the offers are not that much good and similar to other cards. Its easy to close the card over by calling the customer care executive. They have given me a Service request number and I have not received any NOC letter.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 25, 2019
    • Standard Chartered Bank Credit Card
      "Worst service"
      0.5 1.0/5 "Really Bad"
      The limit is very less in my standard chartered bank and i won't use the card much. Even though i have given the request to cancel the card 2 years ago, still I'm receiving the statement to my mail id. I tried the customer care and they have provided me a service request regarding the cancellation. I have not received any NOC letter.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 25, 2019
    • Standard Chartered Bank Credit Card
      "Unhappy with charges"
      0.5 3.0/5 "Satisfactory"
      The interest rate and charges are very high with Standard Chartered Bank so I have already closed this card before 4 years ago but the credit limit is good. The annual fee is included and they were charging me Rs.500. I have contacted the customer service and its good.
      Was this review helpful? 0
      , kolkata
      Reviewed on Aug 23, 2019
    • Standard Chartered Bank Credit Card
      "Satisfied"
      0.5 4.0/5 "Great!"
      I have been using Standard Chartered Bank credit card for almost one year. I am not using it frequently and my limit is enough for me even I got a call for the enhancement which am not interested. Currently am not paying annual fee. I never get any discounts.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 21, 2019
    • Standard Chartered Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have been using a Standard Chartered Bank credit card. I had received the card on time and it's a lifetime free credit card. They have given sufficient credit limit. Their customer service is very good. I get SMS alert and email notification after every transaction.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 21, 2019
    • Standard Chartered Bank Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I have Standard Chartered Bank credit card which was taken through the agent .This card is a chargeable card and got all the required details about the card process through the agent .The credit limit was really good and it was sufficient as well .I have not faced any difficulties so far on using this credit card .I am using this credit card for the past 2 years .
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 21, 2019
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