Are you looking for a credit card that offers higher reward points? You can choose 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.
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.
| Credit Card | Annual Fee | Category |
|---|---|---|
| Standard Chartered Smart Credit Card | Rs.499 | Cashback |
| Standard Chartered EaseMyTrip Credit Card | Rs.350 + GST (for the first year) | Travel |
| Standard Chartered Rewards Credit Card | Rs.1000 + GST | Rewards |
| Standard Chartered DigiSmart Credit Card | No Annual fee. Rs.49 per month may be charged which can be waived off by spending Rs.5000 on the next month of fee levied | Shopping |
| Bandhan Bank Standard Chartered Credit Card | Bandhan Xclusive: Rs.2999 (Renewal fee after second year), Bandhan Plus: Rs.699 (Renewal fee after second year) Bandhan One: Rs.299 (Annually after second year) | Reward |
| Standard Chartered Priority Banking Visa Infinite Credit Card | Nil | Privilege |
| Standard Chartered Super Value Titanium Credit Card | Rs.750 | Cashback |
| Standard Chartered Ultimate Credit Card | Rs.5000 | Cashback |
| 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 Cards offer a range of features and benefits to suit different needs. Some of the key features include discounts on travel bookings, such as hotels, flights, and bus tickets. There are annual fee waivers based on spending thresholds, rewards on various categories of spending, access to airport lounges, and cashback on specific purchases like supermarket and department store transactions.
Customers can also enjoy discounts and offers on online platforms, cashback on cab bookings, and rewards on fuel spends. The Standard Chartered credit cards provide flexibility and convenience, making them a valuable choice for individuals looking to maximize their rewards and enjoy additional benefits.
The following are the key features of Standard Chartered Smart Credit Card:
• Upon activating the Standard Chartered Smart Credit Card, you receive a Rs.500 Amazon Pay voucher.
• Earn 2% cashback on online purchases and 1% cashback on all offline spends with the card. Maximum cashback of Rs.500 per month for offline spends.
• The annual fee of Rs.499 is waived if you spend Rs.1.2 lakh in the previous year.
• Enjoy an extended interest-free period of 90 days for retail purchases. Remember to pay the minimum amount due in each statement cycle to avail this benefit.
• Access the Smart Card KBE offer with a 3-month tenure at 0.99% interest.
• No processing fee charged on the Standard Chartered Smart Credit Card for EMI conversions made through net banking or the bank’s mobile app.
The following are the key features of Standard Chartered Rewards Credit Card:
• Earn 4 reward points per Rs.150 on all retail expenditure (excluding government, insurance, and fuel categories).
• Receive an additional 4 reward points per Rs.150 on monthly retail spends above Rs.20,000, with a maximum of 2000 bonus reward points per statement cycle.
• No joining fees. Starting from the second year, the annual fees will be reversed if you spend Rs.3,00,000 or more in the previous year.
• Enjoy 1 domestic lounge visit per calendar quarter (up to 4 visits per year).
• Earn 1 reward point for every Rs.150 spent on government and insurance categories.
• Get a 1% fuel surcharge waiver on all fuel spends
The following are the key features of Standard Chartered EaseMyTrip Credit Card:
• Assured discounts on all travel bookings at EaseMyTrip website/app using promo code ‘EMTSCB’.
• Flat 20% instant discount on domestic and international hotel bookings (maximum discount of Rs.5000 and Rs.10000 respectively).
• Flat 10% off on domestic and international flight bookings (maximum discount of Rs.1000 and Rs.5000 respectively).
• Rs.125 off on bus ticket bookings (on a minimum ticket booking of Rs.500).
• Get the annual fee of Rs.350 waived off on spends of Rs.50,000 or more on the Standard Chartered EaseMyTrip Credit Card in the previous year.
• Earn 10x rewards on every Rs.100 spent for booking tickets at standalone hotel and airline websites/apps/outlets.
• Receive 1 domestic lounge access per calendar quarter and 2 international lounge access per year.
• Earn 2x reward points for every Rs.100 spent on all other categories of retail spends (2 reward points = Rs.0.50).
The following are the key features of Standard Chartered Ultimate Credit Card:
• On every Rs.150 spent, customers will earn 5 reward points
• Offers reduced markup fess of 2.00% on foreign currency transactions
• Offers lounge access to 1000 airports across the world
• On duty-free spends customers will earn 5.00% cashback
• Offers premier golf course access in the country
Here are the main features of Standard Chartered Super Value Titanium Credit Card:
• On all other spendings of per Rs.150, customers will earn one reward point
• Cashback of 5.00% on utility, fuel, and telephone bills
• Cashback on telephone and utility bill of above Rs.750
• Cashback on fuel transaction of Rs.200 per month or Rs.2000 or below
The following are the key features of Standard Chartered Priority Visa Infinite Credit Card:
• Offers 5 reward points on overseas transaction or retail fashion stores on every Rs.150 spent
• Offers two rewards points on all other spendings
• Good Life Programme across dining, shopping, travel and much more
• With priority Pass customers can access over 1000 airport lounges
• Complementary overseas insurance with Rs.1 corer of air accident coverage and medical insurance of $25,000
The following are the key features of Standard Chartered Priority Visa Infinite Credit Card:
• Offers discount of Rs.200, valid of two transactions per month
• On every Saturdays and Sundays, Buy One Get One free movie ticket at INOX
• One every Rs.150 for five transactions per month, offers 10% discount with promo code DIGISMART
• Offers discount of 10% with the promo code DIGISMART on Grofers with no minimum spendings
• Offers 20% discount with no minimum spendings on Myntra
• Cashback of 15% on Ola cab booking
• Discount of 20% and 10% on domestic and international flight bookings at Yatra
• Offers a discount of 25% on hotel bookings
The key features of Standard Chartered Platinum Reward Credit Card are as follows:
• It is a contactless credit card.
• On every Rs.150 spent on dining and fuel, earn 5 reward points.
• There is no annual fee or joining fee
• For every Rs.150 spent on all other categories apart from dining and shopping, earn 1 reward point.
• Earn 5 times reward points on Rs.150 spent at fine-dining outlets.
• Applying for this credit card does not require any documentation.
The following are the key features of Standard Chartered Priority Visa Infinite Credit Card:
1. Bandhan Bank Standard Chartered Xclusive credit card:
• One every Rs.150 spent at dining, movies and shopping at supermarkets five reward points will be offered
• On all other spendings three reward points will be awarded
• Offers travel discounts at MakeMyTrip
• Provides lounge access
2. Bandhan Bank Standard Chartered Plus credit card:
• One every Rs.150 spent at dining, movies and shopping at supermarkets five reward points will be offered
• On all other spendings three reward points will be awarded
3. Bandhan Bank Standard Chartered One credit card:
• One every Rs.150 spent at dining, movies and shopping at supermarkets five reward points will be offered
• On all other spendings one reward point will be awarded
| Credit Card | Rewards and Offers | Interest Rate |
|---|---|---|
| Standard Chartered Manhattan Platinum Credit Card | 3x reward points when you swipe the credit card | 3.75% per month |
| Standard Chartered Platinum Rewards Credit Card | 5 reward points for every INR 150 spent on dining and fuel | 3.75% per month |
| Standard Chartered Smart Credit Card |
| 3.75% per month |
| Standard Chartered EaseMyTrip Credit Card | • Discount of 20% on hotel booking • Discount of 10% on domestic and international flight booking • Discount of Rs.125 on bus tickets • Reward of 2X on retail spend of all categories • Reward of 10X on standalone hotel and flight booking on every Rs.100 spent | 3.75% per month |
| Bandhan Bank Standard Chartered Credit Card | • 5 reward points on every Rs.150 spent on at dining, movies and shopping at supermarket • One or three reward point on all other spendings | 3.75% per month |
| Standard Chartered DigiSmart Credit Card | • 25% discount on hotel bookings • 20% and 10% discount on domestic and international flight ticket bookings at Yatra, respectively • 15% cashback on Ola cab bookings • 20% discount on Myntra • 10% discount on Grofers • Dsiocunt of 105 on Zomato orders • Free movie tickets at INOX on Saturdays and Sundays | 3.75% per month |
| Standard Chartered Priority Visa Infinite Credit Card | • Reward of 5 points on every Rs.250 spent • Reward of 2 points on all other spendings • Priority Pass membership for 1000 lounge access • Good Life Programme • Complimentary accidental insurance and medical insurance coverage | 3.75% per month |
| Standard Chartered Super Value Titanium Credit Card | • 5% cashback on fuel transaction on every Rs.200 spent • 5% cashback on phone and utility bills on every Rs.750 spent • Offers one reward point on all other spendings of every Rs.150 | 3.75% per month |
| Standard Chartered Ultimate Credit Card | • Cashback of 5.00% on duty free spendings • Lounge access to over 1000 airports • 5 rewards points on every Rs.150 spent | 3.75% per month |
| Type of fees | Charges |
|---|---|
| Finance charges (retail interest rate) | 3.75% for all 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 | • If outstanding balance is less than or equal to Rs.100 – Nil • Balance is between Rs.101 and Rs.500 – Rs.100 • Balance is between Rs.501 and Rs.5,000 – Rs.500 • Balance is between Rs.5,001 and Rs.10,000 – Rs.700 • Balance is between Rs.10,001 and Rs.25,000 – Rs.800 • Above Rs.25,000 – Rs.1,200 |
| 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 |
| Overseas transactions | 3.50% over overseas transaction amount |
| Surcharge fee | • Railways: 2.50% of transaction or Rs.25, whichever higher • Fuel: 1.00% or Rs.10 on petrol transaction, whichever is higher |
| Rental payment | 1.00% processing along with applicable taxes on transaction amount |
| Paper statement | Rs.99 per month |
| Cash pick up charges | Rs.100 |
| Cheque book bounce charges | Rs.500 |
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.
To apply for a Standard Chartered credit card online, follow these simple steps:
Step 1: Visit the official website of Standard Chartered Bank.
Step 2: Navigate to the ‘Our Products’ section and click on ‘Credit Cards’.
Step 3: Choose from the available Standard Chartered credit cards in the Reward, Cashback, and Travel categories.
Step 4: Complete and submit your credit card application.
Step 5: A bank representative will contact you to confirm the approval of your credit card.
Step 6: You may be required to upload necessary documents as part of the application process.
Step 7: Once submitted, your Standard Chartered credit card application will undergo final policy and verification checks by the bank.
Step 8: Upon successful completion of these checks, you can expect to receive your Standard Chartered credit card within 7-15 days.
| Identity proof | Any one of the following: • Aadhaar card • Government ID • Voter’s ID • Passport |
| 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 • 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 |
If you have a higher-than-usual outstanding balance on a card from another bank, then you can transfer the amount to your SCB Credit 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 on Standard Chartered Bank credit card up to Rs.7.5 lakh. 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.
Listed below are the various methods through which you can pay your Standard Chartered Bank 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
To ensure quick grievance resolution and smooth customer interaction, the bank offers various Standard Chartered Credit Card 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
With the 360-degree Rewards programme, you can earn reward points with your Standard Chartered credit card on specific spend categories. The points you accumulate can be redeemed for a variety of items such as vouchers, gifts, and air miles.
The bank offers exclusive discounts, deals, and offers to help you make the most of your credit card. Check Standard Chartered Credit Card offers and discounts on travel and dining to cashback on online purchases, you can save more with these promotional offers.
If you wish to close your Standard Chartered credit card, then you must call the client care centre. The helpline is open 24×7. 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.
1. 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.
2. 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.
3. 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.
4. 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.
5. 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.
6. Will I be charged anything extra if I use my card overseas?
Yes, you will be charged with a 1.00% charge for transactions at merchant establishments that are registered overseas and 3.50% transaction fees on all overseas transactions.
7. How long does it take to apply for a credit card?
It takes approximately nine days to get the approval for credit card request depending upon the accuracy of documents submitted.
8. What amount of tax is applicable?
The Goods and Services Tax will be imposed on the transactions as per the applicable rates effective from 1 July 2017.
9. What are my obligations to hold a credit card?
The minimum amount due or to be paid should be more than Rs.250, 5.00% of the outstanding balance, or total amount including instalments billed, interest charged, other charges and 1.00% of the principal.
Standard Chartered Headquarters Address:
Crescenzo
C-38/39 ‘G’ Block
Bandra Kurla Complex
Bandra East
Mumbai – 400 051
India
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