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Standard Chartered Credit Card

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Find the Right Standard Chartered Credit Card

Below are some of the best Standard Chartered Credit Cards, offering benefits across different categories. You can compare them and apply for the one that best suits your needs.

Top Standard Chartered Credit Cards in May 2026

Rewards

Joining fee Lifetime Free|Renewal Fee 1,000

Up to 8 reward points per Rs. 150 spent

Up to 4 free domestic lounge visits per year

No fee charged on Rs. 1.5 lakh annual spends

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Cashback

Fuel

Joining fee 750|Renewal Fee 750

5% cashback on utilities and phone bills

5% cashback on all fuel spends

1 reward point per Rs. 150 spent

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Travel

Premium

Rewards

Joining fee 5,000|Renewal Fee 5,000

3.33% back as reward points on all spends

Low foreign exchange mark-up fee of 2%

Up to 12 lounge visits every year

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Cashback

Online Shopping

Joining fee 499|Renewal Fee 499

Low annual fee & easy eligibility criteria

2% cashback on all online transactions

Avail EMI at low interest rate of 0.99% p.m.

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Dining

Rewards

Fuel

Joining fee 250|Renewal Fee Lifetime Free

5X reward points on dining spends

5X reward points on fuel spends

1 reward point per Rs. 150 spent

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Standard Chartered Credit Card: Features & Benefits

Given below are some of the common features and benefits of Standard Chartered Credit Cards:

Reward Points: Standard Chartered Credit Cards offer value back in the form of reward points. Cardholders can earn rewards across multiple categories, helping them save on their spends. The accumulated reward points can be redeemed against various categories through the Standard Chartered rewards portal.

Credit Card EMI: Under the 'Kuch Bhi on EMI’ feature, Standard Chartered offers you the option to convert your credit card purchases worth more than Rs. 2,000 into smaller EMIs that you can pay later over a tenure of 3 to 60 months. You can avail this feature at interest rates starting from 0.99% per month and with a low processing fee of 1.5%.

Loan on Credit Card: Standard Chartered allows you to take loan on credit card under the 'Dial-a-loan' offer. You can get a loan on credit card of up to Rs. 10 Lakh with a flexible tenure which can range between 12 to 60 months. This loan is transferred to your savings account within 2 days via NEFT at low interest rates which can start from just 0.99% per month.

Balance Transfer: If you're struggling to pay off a high-interest balance on your credit card, you can transfer it to a Standard Chartered Credit Card. You can transfer up to Rs. 5 Lakh at a low interest rate of 0.99% per month for the first 6 months. After that, regular interest charges will apply.

Balance on EMI: Standard Chartered cardholders can convert their card's outstanding balance of up to Rs. 5 Lakh into EMIs. Through this option you can repay the bill amount in smaller installments at an interest rate beginning from 1.49% per month onwards over a flexible tenure ranging from 6 to 60 months.

Standard Chartered Credit Card: Fees & Charges

Some of the common Standard Chartered Credit Card charges are as follows:

Fee Type Amount Charged
Joining/Annual Fee Varies from card to card
Finance Charges Up to 3.75% p.m. or 45% p.a. (varies from card to card)
Late Payment Charges On outstanding balance of:
Up to Rs. 100: Nil
Rs. 101 to Rs. 500: Rs. 100
Rs. 501 to Rs. 5,000: Rs. 500
Rs. 5,001 to Rs. 10,000: Rs. 700
Greater than Rs. 10,000: Rs. 1,200

Click here for other fees and charges related to Standard Chartered Credit Cards.

Standard Chartered Credit Card: Eligibility Criteria

Standard Chartered, like most credit card issuers, requires you to have a good credit score and meet the basic eligibility criteria set for each card variant. Below is the general eligibility criteria that you must check before applying for a Standard Chartered Credit Card:

  • Age: 18 to 65 years
  • Occupation: Salaried or self-employed
  • Minimum Income: Varies from card to card

Apply for Standard Chartered Credit Card Online

Follow the below mentioned steps to compare and apply for the best Standard Chartered Credit Card:

Step 1: Enter your mobile number in the form present on the top of this page .
Step 2: Fill in the OTP for mobile number verification and proceed.
Step 3: Browse through all the pre-qualified credit card offers that you are eligible for as listed on the screen.
Step 4: Select the credit card that you are interested in and continue with the application by providing further details.
Step 5: Submit your application with the required documentation and wait for Paisabazaar or Standard Chartered Bank's team to contact you.
Once your application is approved, you can expect delivery of the card in about 10 working days.

How to Apply for a Credit Card Online?

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the credit card purpose and credit card amount

Step 5: Compare offers and apply for the best-suited credit card

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FAQs

The best credit card depends on your spending pattern and lifestyle. For instance, if you frequently travel and are looking for a card to save on your travel bookings, you can opt for Standard Chartered EaseMyTrip Credit Card. Similarly, if you want to avail premium benefits, you can apply for Standard Chartered Ultimate Credit Card.

The minimum salary requirement varies from card to card. Therefore, before applying, you should check the eligibility criteria of the respective card on Standard Chartered Bank’s official website.

The card fee varies from one card to another and is decided based on various factors such as the features and benefits offered by the card. You can check the respective card’s fee by visiting the official website of Standard Chartered Bank.

To redeem accumulated reward points online, you can log in to internet banking or mobile banking and redeem your rewards through the credit card rewards section. Besides this, you can also redeem your accumulated reward points by contacting customer service and providing the necessary details for redemption.

You can pay your Standard Chartered Credit Card bill online via NetBanking, RTGS, UPI and BillDesk. However, note that the processing time may vary across all these payment modes, thus, you must choose the payment method as per the due date, so that the payment is made on time.

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*Applicable for selected customers

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