Are you looking for a credit card that offers higher reward points? You can choose from from various 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 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.
Credit Card
Annual Fee
Category
Standard Chartered Ultimate Card
Rs.5,000
Lifestyle
Standard Chartered DigiSmart Credit Card
NA
Shopping
Standard Chartered Manhattan Platinum Credit Card
Rs.999
Cashback
Standard Chartered Super Value Titanium Credit Card
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.
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 Credit Card Features
Standard Chartered Ultimate Card
Features
Up to Rs.10,000 cashback on MakeMyTrip if you use your Standard Chartered Ultimate 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
Standard Chartered Bank Credit Card Fees and Charges
Type of fees
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 - Rs.500
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
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
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.
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.
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Standard Chartered customer service delayed to reach me and when I call them there was a language barrier other than this their response is good. I am using this card for 15 years and it is a life time free card, the limit is sufficient more than one lakh. I use this card for many purposes and it is useful for an emergency purpose too.
I have applied STANDARD CHARTERED BANK card via other channel. I taken this card on 3 months before the process was smooth but not used much. They offered a life time free card, the credit limit is sufficient. I use mainly for shopping of online purchase. Benefit for online purchase and selected retails shop. But they have to provide more offers.
If I spend any charge for Standard Chartered credit card of Rs. 150 and i will be getting 3-4 points. This bank does not have next level card, if any one interest to go next level card that is not applicable. Rate of interest was okay processing for loan and all flat 2% they are charging.
I am using STANDARD CHARTERED card for more than 6-10 months. Since I maintain a salary account with them so I got a pre approved card offer and within a week I received the card. It is a life time free card and the credit limit is 25K. They have provided EMI conversion is applicable with nominal charge. I use for shopping , restaurants and fuel where I get good points.
STANDARD CHARTERED Bank has provided annual fee chargeable card which was applied direct from bank on one year back. There is a waiver off option if I spend certain amount of usage. The credit limit is 2L. At initial I got 1.15L now they have enhanced well. I not preferred for cash limit. I use this card for dining out, shopping and online purchase. Based on usage I get reward points.
Credit card payment outstanding amount I am paying please find credit card no missing please send my email id credit card no my credit card missing how much amount outstanding amount my credit card please tell my sir standard chartered Bank
I have Standard Chartered Bank credit card which was taken through bank .There are more hidden charges also .This was a free card and the rate of interest was very high .The credit limit was sufficient it was 90,000 and having an option of converting emi .I am not using this card very frequently .There will be movie tickets offers as well as fuel benefits .
I am using STANDARD CHARTERED credit card more than 8 months and i was applied this card through online. I am happy with the credit limit what they given and i have no idea about card charges. I am using for shopping, some time i will do payment and hospital purpose.
I am using Standard Chartered bank credit card for around 5 years. Initially I was getting some offer like good joining benefits and they were giving some discounts on fuel sur charges waiver. The given credit limit is fine for me. Initially they were not charging any annual fee and they will waive off but for that every time I need to contact with the customer care service and its to connect with them also.
Standard chartered bank has offered a credit card. I could not check the statement from their app and they won't send any bill notifications as well. Its totally waste to use this card. Their service is not proper when I called the customer care and no one pick up the call. Even though I have installed the app also, it won't show the bill details properly. I'm planning to canceled this card.
I have been using STANDARD CHARTERED credit card for past 4 years. Whenever balance has exhausted debit charges are applicable and the limit was exceeded based on my usage, charges are applicable regarding about this issue I had raised the compliant but no response from their end.
There is a money back policy, when am filling a petrol in a bunk using Standard Chartered bank credit card for this main reason am holding their credit card. I get a instant discounts based on my purchase. They gave me a good credit limit. They didn't charge me any kind of annual fee. I have not contacted the customer care service till now. Its easy to make the bill payment.
I am using Standard chartered bank credit card which was taken through Bank .I am using this credit card for the past 2 years .The credit limit was sufficient and this was a free card and the process was smooth and i am using this credit card frequently .According to my experience i am satisfied with the banking service.
From STANDARD CHARTERED Bank, i am using credit card for a quite long time. I am getting double reward points in Standard chartered Bank. Credit limit is good and i applied this card through other portal. Service was good and i am getting alert message whenever i am doing shopping.
I have Standard Chartered Bank credit which was taken through bank.There are discounts on shopping and can redeem the reward points .This card was delivered on time and acceptable on all places. Everything was good and according to my experience the service was average.
I am using Standard Chartered Bank credit card which was taken through Bank . I am really happy with the credit limit and this was a life time free card.There are movie ticket offers as well as well as airport lounge access but not used so far .I have not faced any drawbacks so far on using.
I have been using STANDARD CHARTERED BANK credit card for more than 7 years which was applied through other channel. It is card to card. They have provided annual fee chargeable but there is waiver off option need to spend 30K within a year. I use this card for all purposes. Only the drawback is If need to apply this card the parameter is high and customer has to get basic salary of 50K.
I have Standard Chartered Bank credit card which was offered by bank. Though I am not having account with this bank but got the card because my credit score was good. This was a chargeable card and getting priority pass for international lounge access as well as for traveling abroad. Everything was good on this card .The credit limit was 3.7L which is really good.
Standard Chartered Bank provided me a credit card based on my salary account. The reward points are available and have redeemed some points too. The customer service is good. The credit limit is sufficient and good even they asked me to upgrade the limit which i don't required.
I am using Standard Chartered Bank credit card which was availed through online .I am using this credit card for the past 3 to 4 years .The credit limit was good and it is sufficient ,This card is good to use and there was no drawbacks faced so far .According to my experience the service was much convenient .
