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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    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
      "Avearge card"
      0.5 3.0/5 "Satisfactory"
      I bought STANDARD CHARTED BANK credit card. The rate of interest is very high here . It is as good as any other credit cards you can find in the market. Overall it is a good card to use. I use this card for multipurpose and i use this card for both online as well offline .
      Was this review helpful? 0
      , kolkata
      Reviewed on May 19, 2019
    • Standard Chartered Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      Had applied and got Credit card with STANDARD CHARTERED BANK . The interface is mostly user friendly, you get the right updates. It has no annual charge. Till date the Experience this card is perfect . Credit limit which they offered is pretty good and i am using this card for a long time .
      Was this review helpful? 0
      , bangalore
      Reviewed on May 19, 2019
    • Standard Chartered Bank Credit Card
      "NOT SATISFIED"
      0.5 1.0/5 "Really Bad"
      I am not satisfied with the STANDARD CHARTERED BANK credit card where the card customer support is bot good also there are hidden charges applicable, the credit limit is lesser and i got no hike with this card. The best feature is getting 20% off with the uber usage.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 19, 2019
    • Standard Chartered Bank Credit Card
      "Need to improve services"
      0.5 1.0/5 "Really Bad"
      My application has been approved with STANDARD CHARTED BANK . I have very bad experience with this bank i have taken loan against the card 2nd times 1st time i have clear and another time i said them mail or message me once and before due date call me but they said to send 2 times which makes me confuse because of my multiple cards . I visit branch physically and there is nobody to communicate thew said me to call customer care.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 18, 2019
    • Standard Chartered Bank Credit Card
      "BETTER"
      0.5 3.0/5 "Satisfactory"
      The credit card with the STANDARD CHARTERED BANK i am holding from last many years but i am not getting any offers with the online as well as the offline purchase with this credit card. There is a EMI conversion option with this card it is easy to convert.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 18, 2019
    • Standard Chartered Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am holding STANDARD CHARTERED bank credit card for more than 6-7 years. The process was done on smooth and I received a card on time. It is a life time free credit card. The credit limit is sufficient to use. The customer service is good and responsiveness.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 18, 2019
    • Standard Chartered Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I am holding STANDARD CHARTED Bank credit card . There is no hidden charges here . I have STANDARD LANDMARK credit card . I am using this card for more than 1 year and i ma not regular user of this card . The offers are only reward points is there . I am happy with card.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on May 18, 2019
    • Standard Chartered Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      My application has been approved with STANDARD CHARTERED BANK . I am using this card for past 1 year and i have my salary account with same bank . The credit limit is very low i said them to increase but they have not increase and offers is nothing with this card . I have STANDARD PLATINUM credit card .
      Was this review helpful? 0
      , new delhi
      Reviewed on May 18, 2019
    • Standard Chartered Bank Credit Card
      "Good bank to use"
      0.5 5.0/5 "Blown Away!"
      Standard charted bank card is a first and most priority card. 3 months back, i have purchased the credit card. Many of my friends has suggested me to purchase this card. I need to pay the annual fee of Rs. 499 and it will get waived off when i use certain limit. The people has called me regarding the generating the pin. I have got the welcome kit and the card on time.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on May 17, 2019
    • Standard Chartered Bank Credit Card
      "BETTER"
      0.5 3.0/5 "Satisfactory"
      I hold the credit card with the STANDARD CHARTERED BANK where the card is convenient and user friendly card to use but the card has the lesser credit limit along with that it has the annual charges should be paid with this credit card. It is user friendly card to use.
      Was this review helpful? 0
      , kolkata
      Reviewed on May 17, 2019
    • Standard Chartered Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I am holding a STANDARD CHARTERED BANK credit card .Benefits were reward points, movie ticket offers and cash back . I am using this card for past few year . I have salary account with the same bank . The credit limit is 110000 . The card is chargeable but if i spend 30000 the fess will be waived off .
      Was this review helpful? 0
      , bangalore
      Reviewed on May 17, 2019
    • Standard Chartered Bank Credit Card
      "Good for shopping"
      0.5 5.0/5 "Blown Away!"
      Standard Chartered is very amazing, they gave me attractive joining perk and also the reward redemption is great. I got 5000 points at the time of availing the card. First year it is free, second if I spend certain limit that fee get waived off.
      Was this review helpful? 0
      , noida
      Reviewed on May 17, 2019
    • Standard Chartered Bank Credit Card
      "Good Credit card"
      0.5 5.0/5 "Blown Away!"
      I am using the Standard Chartered bank credit card over the years .Credit limit has not increased for me in recent times . They will send offers only for limited time and that too for the selective period . Only once I approached them for delay payment .
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 16, 2019
    • Standard Chartered Bank Credit Card
      "It has lots of feature and benefits"
      0.5 5.0/5 "Blown Away!"
      In Standard Chartered they give good loans and credit card based on the transaction but they charge Rs. 1000 per annum, I think they have slight rate of interest we didn't bill on time. Recently I got Rs. 3000 voucher at big bazaar, I am very fine with that card.
      Was this review helpful? 0
      , pune
      Reviewed on May 16, 2019
    • Standard Chartered Bank Credit Card
      "Expected more from this card"
      0.5 3.0/5 "Satisfactory"
      I really wonder with the Standard chartered bank credit card . Being such a reputed card in international level . They don't maintain any constant redeem points offers and not easy to check the information in their app . Credit limit wise they didn't do any justice .
      Was this review helpful? 0
      , new delhi
      Reviewed on May 16, 2019
    • Standard Chartered Bank Credit Card
      "Good for all transaction"
      0.5 4.0/5 "Great!"
      Standard Charted credit card is transparent but only the branch service is not good they have long waiting time. I am visa platinum credit card, they have tie up with big basket and life style hence they give 5 to10% flat discount. I have salary account hence the payment option is very easy to make my bills.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 16, 2019
    • Standard Chartered Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have the STANDARD CHARTERED BANK credit card where the card has the satisfactory credit limit and also the card is user friendly with sufficient offers added on that the card is good with EMI option to be converted with this credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on May 15, 2019
    • Standard Chartered Bank Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      The card which I hold with the STANDARD CHARTERED BANK is good and no issues to use. They have provided with the satisfactory credit limit and it has a good offers with this card. It is with user friendly and convenient card to access. The overall service is good.
      Was this review helpful? 0
      , chennai
      Reviewed on May 15, 2019
    • Standard Chartered Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been using Standard chartered bank credit card , They have not given me good limit,it is less than what i expected, it is life time free credit card, so far they have not charged me any fee, they have given me good service, their mobile application is good.
      Was this review helpful? 0
      , chennai
      Reviewed on May 15, 2019
    • Standard Chartered Bank Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      It has been three years since i am using the Standard Charted Bank Credit card, the services provided by them had been pretty much good. The card has a good credit limit and it also has some added features like reward points which i am able to redeem. The card does not have any annual charges and i make use of the card in shopping and for all other purchases.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 15, 2019
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