Standard Chartered Bank offers a diverse portfolio of credit cards designed to cater to various customer spending habits and lifestyle needs. These cards include those offering direct cashback, accelerated rewards on major lifestyle categories, co-branded travel benefits, and relatively premium benefits like lounge and golf access with lower forex mark-up. Compare the Standard Chartered Credit Cards listed below and find the best suited one as per your spending needs.
Standard Chartered Credit Card
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Top Standard Chartered Credit Cards in June 2026
4/5
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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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4/5
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Travel
Joining fee ₹350|Renewal Fee ₹350
Up to 20% off on flight & hotel bookings
2 domestic lounge visits every year
Up to 2.5% back as reward points
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4/5
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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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4/5
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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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4/5
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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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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:
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.
Quick Links to Manage Your Standard Chartered Credit Card
FAQs
Which Standard Chartered Credit Card is best?
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.
What is the minimum salary requirement for a Standard Chartered 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.
What is the fee for a Standard Chartered Credit Card?
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.
How to redeem Standard Chartered Credit Card reward points?
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.
How do I pay my Standard Chartered Credit Card bill online?
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.
How do I pay my Standard Chartered Credit Card bill online from another bank?
To pay your Standard Chartered Credit Card bill via another bank, you need to add your Standard Chartered Credit Card account to the list of beneficiaries and pay via NEFT or RTGS.
What is the procedure for Standard Chartered Credit Card login?
You can login to your Standard Chartered Credit Card account by visiting and logging in on the official website. You are required to navigate to the Login section (appearing on the header) >> Online Banking Login >> Click on Continue >> Enter Username & Password. If you are a new customer, you can register yourself to access this facility, by choosing option ‘New to Online Banking’ as follows: Login (appearing on the header) >> Online Banking Login >> Click on Continue >> New to Online Banking.
What are Standard Chartered Credit Card customer care details?
In case of any queries or concerns regarding your Standard Chartered Credit Card, you can contact the bank online as well as offline. You can use the phone banking facility and call Standard Chartered Credit Card customer care numbers as listed here, depending on the city. You can also get in touch with the bank via email addresses, customer.care@sc.com or Priority.Banking@sc.com.
Which Standard Chartered Bank Credit Card will best suit me?
Standard Chartered has a host of options to meet the various needs of customers. We advise you to first understand your spending patterns and then get a credit card that would complement it. For example, if you spend a lot of fuel, Standard Chartered Super Value Titanium would be a good match for you as it offers 5% cashback on fuel.
Can I turn off the international usage on my Standard Chartered Credit Card?
Yes, Standard Chartered Credit Cards let you disable international usage online. This can be done either through net banking or mobile banking.
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