Standard Chartered Credit Card

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.

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

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

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

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.

Q. Which Standard Chartered Credit Card is best?
A. 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.

Q. What is the minimum salary requirement for a Standard Chartered Credit Card?
A. 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.

Q. What is the fee for a Standard Chartered Credit Card?
A. 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.

Q. How to redeem Standard Chartered Credit Card reward points?
A. 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.

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

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

Q. What is the procedure for Standard Chartered Credit Card login?
A. 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.

Q. What are Standard Chartered Credit Card customer care details?
A. 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.

Q. Which Standard Chartered Bank Credit Card will best suit me?
A. 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.

Q. Can I turn off the international usage on my Standard Chartered Credit Card?
A. Yes, Standard Chartered Credit Cards let you disable international usage online. This can be done either through net banking or mobile banking.

Q. Can I transfer my outstanding balance from any other bank’s credit card?
A. Yes, Standard Chartered provides a balance transfer facility which allows you to transfer the outstanding amount from any other bank’s credit cards to Standard Chartered cards. This will allow you to pay your credit card bill easily as balance transfer interest rates are much lower than credit card finance charges.

Q. Can I avail loan on Standard Chartered Credit Card?
A. Yes, Standard Chartered offers loans against the credit limit of your credit card. The bank may offer you a loan over the credit limit as well, depending upon your financial habits and relationship with the bank. The interest rate offered on the loan varies from one customer to another.

Q. How can I increase my credit limit on Standard Chartered Credit Card?
A. Follow these steps to place a request for a credit limit increase: Log in to Online Banking >> Help & Services >> Card Management >> select Credit Limit Increase >>Follow the onscreen instructions and place a request for the same.

Q. How can I check my credit limit on Standard Chartered Credit Card?
A. You can check the credit limit via online banking: Log in to Online Banking >> From the left-hand side menu, click on “Cards” and select “Card Summary” >> Select “Card Details” to view the credit limit under the “Available Credit Limit”.

Q. How to activate a Standard Chartered Credit Card?
A. To activate your credit card, you can log in to the mobile banking app of Standard Chartered Bank and generate the PIN to activate your card. Once your PIN is successfully generated, you can use the card for both online and offline transactions.

Q. What is TPIN in a Standard Chartered Credit Card?
A. TPIN stands for Telephone Personal Identification Number, which acts as your electronic signature. It is your identification for phone banking services and should be kept confidential to avoid any kind of fraud or discrepancies.

Q. What is CVV2 in a Standard Chartered Credit Card?
A. CVV2 is a security feature that allows you to make secure online transactions. It is a three-digit code that provides the payment system with a verification check of your credit card’s authenticity.

Q. How to close a Standard Chartered Credit Card?
A. To close a Standard Chartered Bank Credit Card, you can log in to your internet or mobile banking and cancel your card under the card management section. Besides this, you can also contact customer service and ask the representative to close or cancel your card by stating a valid reason.