Standard Chartered Credit Card

Standard Chartered Credit Cards are made for different kinds of customers and their different needs. These cards offer benefits in various areas like travel, shopping, cashback, fuel, and paying your utility bills. On this page, we've provided information about The best Standard Chartered Credit Cards in India. You can find details about what each card offers, how much they cost, and who can get them. You can also compare these cards and apply for them through MybankingTips. Keep reading to find out more.

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Standard Chartered Credit Cards in India- April 2024

Credit Card Annual Fee Best Suited For
Standard Chartered EaseMyTrip Credit Card Rs. 350 Travel
Standard Chartered Smart Credit Card Rs. 499 Cashback
Standard Chartered Platinum Rewards Card Rs. 250 Rewards
Standard Chartered Super Value Titanium Card Rs. 750 Fuel and Utility Bill Payment
Standard Chartered Ultimate Card Rs. 5,000 Travel and Golf
Suggested Read : Check 25 Best Credit Cards in India in April 2024 and find the right card as per your spending habits.

How to Apply for Standard Chartered Bank Credit Card

You can apply for top Standard Chartered Bank Credit Cards through MybankingTips by following these steps:

  • 1. Begin by entering your mobile number in the form at the top of this page.
  • 2. Enter the OTP received and proceed.
  • 3. You will now see a list of credit cards for which you are eligible or pre-approved.
  • 4. If you find a Standard Chartered Bank credit card that interests you from the list, continue the application by providing additional details.
  • 5. Submit your application and await a call from the MybankingTips Team or Standard Chartered Bank's team.
  • 6. The bank will request certain documents from you to process your application. Once approved, you can expect the card to be delivered within approximately 10 working days.

If you're unable to view the card options on our platform, you can apply for them by visiting The Standard Chartered Bank's official website.

Eligibility Criteria to Apply for Standard Credit Cards

To be eligible for a Standard Chartered Bank credit card, you should have a credit score of at least 750 and meet the bank's basic eligibility requirements listed below.

  • Age: Applicants should be between the ages of 21 and 60, to apply for an Standard Chartered credit card.
  • Credit score: A CIBIL score of at least 750 is required.
  • Nationality: Applicants should be a citizen of India.
  • Income: The bank will assess your eligibility based on your yearly income.
  • Occupation: Both self-employed and salaried individuals are eligible to apply.

Required Documents to Apply for Standard Credit Card

Applicants are required to submit proof of identity, proof of address, and proof of income along with a duly filled application form. The approved documents for each category are included in the list below.

Proof of Identity Voter’s ID, Driver’s License, Aadhaar card, PAN Card, Passport, Overseas Citizen of India Card, Job card issued by NREGA, Person of Indian Origin Card, Letters issued by the UIDAI or any other government approved photo ID proof
Proof of Address Passport, Aadhaar card, Driver’s License, Utility Bill not more than 3 month’s old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement or any other government approved address proof
Proof of Income

(For salaried)

  • Salary certificate
  • Recent salary slip/s
  • Last 3 months’ bank statement
  • Employment letter

(For self-employed)

  • Certified financials
  • Recent ITR (Income Tax Returns)
  • Last 3 months’ bank statement
  • Audited profit and loss statement or balance sheet

Standard Chartered Bank Credit Card: Fees and Charges

Fee/Charge Amount/Rate
Joining Fee Varies from card to card
Annual Fee Varies from card to card
Finance Charges Up to 3.75% p.m. (45% p.a.) | varies from card to card
Late Payment Fee
  • Nil for statement outstanding balance less than or equal to Rs. 100
  • Rs. 100 for statement outstanding balance between Rs. 101 and Rs. 500
  • Rs. 500 for statement outstanding balance between Rs. 501 and Rs. 5,000
  • Rs. 700 for statement outstanding balance between Rs. 5,001 and Rs. 10,000
  • Rs. 800 for statement outstanding balance between Rs.10,001 and Rs.25,000
  • Rs. 1200 for statement outstanding balance greater than Rs. 25,000

Standard Chartered Bank Credit Card: Features and Benefits

Here are the advantages and perks of the best Standard Chartered credit cards:

Standard Chartered EaseMyTrip Credit Card

The Standard Chartered EaseMyTrip Credit Card is a travel-focused card that partners with EaseMyTrip to offer users some fantastic perks. With this card, you can earn rewards faster, enjoy discounts on your travel bookings, access airport lounges for free, and benefit from other advantages to help you save on your travel expenses.

Key Features:
1. Get a 20% instant discount when booking domestic and international hotels through EaseMyTrip. 2. Receive a 10% instant discount when booking domestic and international flights through EaseMyTrip. 3. Quickly book bus tickets. 4. Earn 10 rewards points for every Rs. 100 spent at standalone airline or hotel websites, mobile apps, or their physical outlets (excluding travel aggregators). 5. Access airport lounges for free.

Standard Chartered Smart Credit Card

The Standard Chartered Smart Credit Card is a great option if you want cashback on all your online and other expenses. This card offers various features like multiple ways to use your cashback, the option to turn large purchases into manageable installments, and a period where you won't be charged interest on your spending.

Key Features:
1. Earn 2% cashback on online transactions, up to a maximum of Rs. 1,000 per month. 2. Receive 1% cashback on all other types of spending, up to a maximum of Rs. 500 per month. 3. Convert purchases exceeding Rs. 2,000 into 3-month EMIs at a special interest rate of 0.99% per month, with zero processing fees.

Standard Chartered Platinum Rewards Card

The Standard Chartered Platinum Rewards Card is an excellent choice for those looking for a beginner-level credit card. Consider getting this card if your primary monthly expenses revolve around fuel and dining, and you'd like to earn rewards for these expenses. It's also a suitable option if you prefer not to pay a high annual fee.

Key Features:
1. Earn 1 reward point for every Rs. 150 spent. 2. Get 5X rewards on dining and fuel expenses, with no monthly limit on the rewards you can earn. 3. Access discounts on shopping, dining, travel, and various other categories. 4. Make payments without physically swiping or inserting the card into a POS machine.

Standard Chartered Super Value Titanium

The Standard Chartered Super Value Titanium card is one of India's top cashback credit cards. It's a great choice if you frequently use a card for fuel, utility bills, and telecom payments. This card provides a combination of rewards and cashback benefits, making it a popular option.

Key Features:
1. Receive a 5% cashback on phone bills, utility bill payments, and fuel transactions. 2. Earn 1 reward point for every Rs. 150 spent in other spending categories. 3. If you're a Premium Banking Customer, you'll receive membership to the Priority Pass Program. 4. Access discounts on shopping, dining, travel, and various other categories.

Standard Chartered Ultimate Card

The Standard Chartered Ultimate Card is a high-end credit card designed for frequent travelers and golf enthusiasts. Consider getting this card if you desire a credit card with a low foreign currency mark-up fee, lounge access privileges, and generous rewards.

Key Features:
1. Earn 5 reward points for every Rs. 150 spent. 2. Gain access to prestigious golf courses in India and 150 countries worldwide. 3. Enjoy a 5% cashback on duty-free shopping at airports. 4. Receive a complimentary Priority Pass membership.

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FAQs

1. How do I pay my Standard Chartered Credit Card bill online?

You have several options to pay your Standard Chartered Credit Card bill, including online methods such as NetBanking, RTGS, UPI, credit card, and Bill Desk. However, it's essential to consider the processing time for each of these payment modes and select the one that ensures your payment is made on time, aligning with your due date.

2. How do I pay my Standard Chartered Credit Card bill online from another bank?

If you want to make a payment on your Standard Chartered credit card from another bank, you can do so by adding your Standard Chartered credit card as a beneficiary and using the NEFT or RTGS payment method.

3. What is the procedure for Standard Chartered Credit Card Login?

To access your Standard Chartered Credit card account, please follow these steps:

1. Visit the Standard Chartered website. 2. Find and click on the "Login" section located in the header. 3. Choose "Online Banking Login" from the options. 4. Click on "Continue." 5. Enter your username and password to log in if you are an existing customer.

If you are a new customer, you can register for online access by selecting the "New to Online Banking" option:

1. Click on "Login" in the header. 2. Select "Online Banking Login." 3. Click on "Continue." 4. Choose "New to Online Banking" to begin the registration process.

4. What are Standard Chartered Credit Card Customer Care details?

If you have any questions or concerns about your Standard Chartered Credit Card, you can contact the bank through various channels:

1. SMS Banking: Use the SMS banking number +919987123123 from your registered mobile number for services like Balance Enquiry (BAL), Mini Statement (TXN), Statement Request (STR), Available Credit Limit (LIM), and Payment Due Date (PDD). 2. Customer Care Numbers: Call Standard Chartered's credit card customer care at 6601 4444 or 3940 4444 (remember to prefix STD codes). 3. Email: Reach out to the bank through email at customer.care@sc.com or Priority.Banking@sc.com.

5. Which Standard Chartered Bank credit card will best suit me?

Standard Chartered Bank offers a range of credit card options to cater to different customer needs. We recommend that you assess your spending habits and choose a credit card that aligns with them. For instance, if you frequently spend on fuel, the Standard Chartered Super Value Titanium card would be an ideal choice as it provides a 5% cashback on fuel purchases.

6. Can I turn off the international usage on my Standard Chartered Credit Card?

Yes, Standard Chartered Credit Cards offer the option to deactivate international usage on your credit card. You can easily do this through online channels, either via net banking or mobile banking.

7. Can I transfer my outstanding balance from any other bank’s credit card?

Yes, Standard Chartered Bank's Credit Cards offer a 'Balance Transfer' service, enabling you to move the outstanding balance from other banks' credit cards to your Standard Chartered card. This can make it more convenient to manage your credit card bill, as balance transfer interest rates are typically lower than the finance charges on credit cards.

8. Can I avail loan on Standard Chartered credit card?

Standard Chartered Bank provides the option for a loan against your credit card's available credit limit. Depending on your financial behavior and your relationship with the bank, they may also extend a loan exceeding your credit limit. The interest rate for this loan can vary from one customer to another based on individual circumstances.

9. How much is the interest charge on Standard Chartered Credit Card?

The monthly interest rate of 3.49% per month is annualized to determine an Annual Percentage Rate (APR) of 41.88% for all <Standard Chartered Credit Cards. However, for Priority Visa Infinite, Ultimate, and Emirates World Credit Cards, the monthly interest rate is lower at 3.10% per month, resulting in an APR of 37.20%. It's important to note that cash transactions will also incur an interest rate of 3.49% per month, with an APR of 41.88%.

10. How can I increase my credit limit on Standard Chartered Credit Card?

To request a credit limit increase, follow these simple steps:

1. Log in to your Online Banking account. 2. Go to the "Help & Services" section. 3. Under "Card Management," select "Credit Limit Increase." 4. Follow the onscreen instructions to submit your request.

11. How can I check my credit limit on Standard Chartered Credit Card?

To check your credit limit using Online Banking, follow these steps:

1. Log in to your Online Banking account. 2. In the left-hand side menu, click on "Cards." 3. Select "Card Summary." 4. Choose "Card Details," and you'll find your credit limit displayed under "Available Credit Limit."

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