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.
Standard Chartered Credit Card
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Top Standard Chartered Credit Cards in May 2026

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Rewards
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
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
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
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
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:
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
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

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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