Standard Chartered Credit Card

This credit card by SCB is best suited for those who love to travel and at the same time shop a lot. At an annual fee of just Rs. 999, it offers numerous privileges including special discounts at certain stores and direct cashback into your account. Its annual fee is waived off when you spend Rs. 1,20,000 or more in a year. mSome of the major benefits offered by this credit card include-

• Get vouchers from BookMyShow worth Rs. 2,000* on transacting with your card within first 90 days.
• Avail 5% direct cashback when you use your credit card to shop at departmental stores and supermarkets.
• Earn 3 reward points for every Rs. 150 spent across different categories.
• Redeem your rewards against a host of gift vouchers. (1 reward point = Re. 0.30)
• Convert your big-ticket purchases (above Rs. 5,000) into EMIs and pay back easily.
• Transfer outstanding balances from other credit cards and pay back in easy EMIs.

For those who want to earn while they spend, this credit card is the best match. Offering wonderful rewards and cashbacks, this card lets you earn more every time you use it to make regular purchases. It is available at an annual fee of Rs. 250 which is also waived off when you reach total spending of Rs. 30,000 in a year. Let us find out some of its great features-

• Get 1,000 bonus reward points on your first card swipe and BookMyShow vouchers worth Rs. 500.
• Earn 1 reward point for every Rs. 150 spent on the credit card.
• Accelerate your rewards by 5 times when you use the card for dining, fuel and hotel spends.
• Redeem your reward points for a host of gifts and merchandise. (1 reward point = Re.0.30)
• Enjoy a host of discounts and offers across dining, shopping, travel and more under the Standard Chartered Good Life Programme.
• This is a contactless credit card so you do not need to hand it over to someone for making payments at store or elsewhere.

Standard Chartered Bank has launched this credit card to allow its customers to save more. As the name suggests, this card lets you make super savings in the form of cashbacks, rewards and discounts. The one-time joining fee on this credit card is Rs. 750 and every year you will have to pay Rs. 750 as the annual fee which is waived off on reaching annual spends of Rs. 60,000. Here are the top features of this credit card-

• Get BookMyShow vouchers worth Rs. 1,000 (terms and conditions apply).
• Earn 1 reward point for every Rs. 150 spent across all categories.
• Use your card to make telecom and utility bill payments and get instant 5% cashback.
• Earn 5% cashback on making fuel transactions through your credit card.
• Be a part of Standard Chartered Good Life Programme and get discounts across varied categories such as shopping, dining, travel and more.

This card is not available on Paisabazaar.com. Kindly visit Standard Chartered Bank’s website to apply.

Improve your premium lifestyle with SCB’s Ultimate Card. This card offers exclusive rewards on fine dining, travel spends and much more. The annual fee on this credit card is Rs. 5,000. Some of its great features are-

• Book your tickets on MakeMyTrip within 90 days of card issuance and get cashback up to Rs. 10,000 on a single transaction. (T&C Apply)
• Earn 5 reward points for every Rs. 150 spent on your credit card.
• Redeem your rewards for a host of gift vouchers and merchandise. 1 reward point is equal to Re 1 in value.
• Get up to 25% discount at top 250 restaurants in India along with the benefits of premium reservation.
• Get access to 20 premiere golf courses in India and 150 around the globe.
• Enjoy 5% cashback on duty free spends at airports.
• Complimentary Priority Pass membership that allows you to access 1,000 airport lounges across the world.

This card is not available on Paisabazaar.com. Kindly visit Standard Chartered Bank’s website to apply.

Perfect match for frequent travellers, this credit card lets you earn air miles every time you use it. Owning this credit card makes you a part of SCB’s premium circle that lets you enjoy premium shopping, travel and golf privileges. Given below are some of the features of this credit card-

• Get 4,000 bonus miles and fly to Dubai with just 27,500 miles.
• Earn up to 6 Skyward miles for every Rs. 150 spent on your credit card for international transactions.
• Earn up to 4 Skyward miles for every Rs. 150 spent on your credit card for domestic transactions.
• Get 2 complimentary lounge access per month to 32 domestic and international airport lounges as a part of Priority Pass Membership.
• Enjoy 3 complimentary golf games in a year along with one free lesson per month.
• Get complimentary air accident cover worth Rs. 1 Crore.

This card is not available on Paisabazaar.com. Kindly visit Standard Chartered Bank’s website to apply.

Launched in collaboration with Landmark, this SCB credit card lets the users earn exciting rewards on groceries, home and lifestyle shopping. Some of its features include-

• Earn 9X reward points when shopping at Landmark affiliated stores such as Home Center, Lifestyle and Max. (9 reward points for every Rs. 200 spent)
• Get 5% cashback for grocery shopping at SPAR Hypermarket with maximum cashback capped at Rs. 500 per month.
• Get vouchers worth Rs. 2,800 (T & C Apply)
• Be a part of Standard Chartered Good Life programme and avail exciting discounts across dining, shopping, travel and other categories.
• Avail other wonderful features of SCB Cards such as digital payment, balance transfer, reward redemption and a lot more.

This card is not available on Paisabazaar.com. Kindly visit Standard Chartered Bank’s website to apply.

The Visa Infinite Credit Card is reserved for the ‘Priority Customers’ of Standard Chartered Bank. It offers them the following benefits-

• Get access to more than 1,000 airport lounges across the world at a nominal rate with Priority Pass.
• Earn 2 reward points for every Rs. 100 spent across all categories.
• Earn 5 reward points for every Rs. 100 spent on retail fashion or on overseas transactions.
• Get 4 complimentary airport lounge access per quarter.
• Avail discounts on travel, shopping and dining under the Good Life Programme.
• Protect yourself with complimentary overseas air accident cover of Rs. 1.2 Crore

This card is not available on Paisabazaar.com. Kindly visit Standard Chartered Bank’s website to apply.

Tailor-made for the frequent travellers, this credit card has been launched by Standard Chartered Bank in collaboration with Yatra.com. Below are some of the great benefits that this card offers-

• Get welcome gift from Yatra.com in the form of a Rs. 4,000 voucher.
• Get 10% cashback on travel bookings made on Yatra.com (T&C Apply)
• Earn 2 reward points for every Rs. 100 spent across all categories.
• Accelerate your rewards 2 times when using the card for Yatra.com transactions.
• Enjoy 1% fuel surcharge waiver.
• Be a part of Standard Chartered Bank Good Life Programme and avail discounts and offers across dining, shopping, travel and more.

You can apply for Standard Chartered Bank Credit Card by directly visiting their website. The application process is divided into three parts- 1) Select Card, 2) Apply Online, and 3) Instant Approval.

Firstly, you should go to their website and select the credit card that matches all your needs. When you are sure of one credit card, click the ‘Apply Now’ button. Now you are required to fill some of your basic details such as email ID, mobile number, date of birth, city where you live, source of income and gross annual income. After checking your eligibility, the bank will provide instant approval. Once approved, you will be required to submit some documents. After checking the documents, the bank will generate your credit card which will be delivered at your doorstep within the next 7 to 10 days.

Apply at Paisabazaar.com

You can also apply for Standard Chartered Bank credit card on Paisabazaar.com. Visit our website and fill in some basic details. Here you can compare the features and benefits offered on different credit cards and choose the one that best matches your requirements.

Eligibility

To be eligible for SCB credit cards, you must meet the following criteria-

• The applicant should be aged between 21 and 65 years.
• Applicant should have stable finances.
• Applicant should be living in the cities where Standard Chartered sources credit cards.

Documents Required

The table given below shows the documents that you need to submit at the time of credit card application-

Proof of Identity	Proof of Address	Proof of Income
Aadhaar Passport PAN card Voter ID card Govt ID	Aadhaar Passport Driving license Phone bill, electricity Other utility bill Rental agreement Latest other bank / credit card statement	Latest one month salary slip Latest IT returns with computation of income / certified financials, last business continuity proof

Apart from the annual fee and joining fee on different credit cards, these are the other charges applicants should be aware of-

Type of charge	Amount
Late charge	If the credit card holder misses 2 consecutive months’ payment, Rs. 100 will be charged as late charge
Late payment charges	If the outstanding balance as per the statement is less than Rs. 500, the charge levied is Rs. 100. If the outstanding balance lies between Rs. 501 to Rs. 2000, the charge payable is Rs. 350. The charge is Rs. 500 for balances between Rs. 2001 to Rs. 4000, Rs. 700 for outstanding balance between Rs. 4001 and Rs. 20,000 and Rs. 800 for balances which are higher than Rs. 20,000.
Over limit fees	For every instance of over-limit, a fees will be paid which should be 2.5% of the overdrawn amount subject to a minimum of Rs. 500
Standard Chartered Rewards Handling Charges	As handling and courier charges for the redemption of reward points, the bank charges Rs. 99 for all credit cards except Emirates Platinum, Platinum Elite and Landmark Rewards Platinum.
Cash Advance Fee	For cash withdrawals through ATMs, a fee is payable which is 3% of the amount of cash withdrawn subject to a minimum of Rs. 300. If the withdrawals are done using the teller facility at Standard Chartered branches, an additional fees of Rs. 500 is levied.
Overseas Transactions	All transactions carried out overseas would attract a charge of 3.5% as transaction fee. This fee would include the charges which are paid out to VISA or MasterCard for converting the value of overseas credit card transactions into INR. Transactions affected at merchant establishments which are registered overseas but having branches in India would also attract a 0.80% transaction fee payable to VISA or MasterCard and this fee would be included in the credit card statement issued to the credit card holder every month.
Surcharges	The rate of surcharge depends on the nature of transaction. For railway transactions, a surcharge of Rs. 25 or 2.5% of the transaction value (whichever is higher) is levied, for petrol transactions it would be higher of Rs. 10 or 2.5% of the transaction value.
GST	A GST of 18% is charged.
Pick up fee for cheque or cash	For overdue card accounts, Rs. 100 would be levied for payments which are collected by authorized representatives of the bank. This charge would be reflected in the next month’s credit card statement.

Standard Chartered Bank Credit Card users can get in touch with the bank’s customer care via call, email and SMS. Here are the details:

Standard Chartered Bank credit card customer care number: Gurgaon/ Noida- 011 – 39404444 / 011 – 66014444 / Bangalore, Chennai, Ahmedabad, Kolkata, Delhi, Pune Hyderabad, Mumbai – 6601 4444 / 3940 4444

Standard Chartered Bank credit card customer care Email ID: customer.care@sc.com

Standard Chartered Bank credit card customer care SMS:  For any query, card holders can SMS on 9980033333, available 24*7.

In case of complaints, customers can also fill the complaints form available on the official website of Standard Chartered Bank.