Standard Chartered Credit Card Bill Payment

How to Make Standard Chartered Bank Credit Card Bill Payment through NEFT using IFSC Code?

Standard Chartered credit card online payment can be done via NEFT. To pay via NEFT users will first have to add the credit card to the list of beneficiaries. The steps are:

• Login to a bank’s net-banking portal
• Head over to the Funds Transfer section and click on Add Beneficiaries
• Provide the following details
  • Beneficiary Name – Standard Chartered Bank
  • Account Number – Credit card number
  • Bank Name – Standard Chartered Bank
  • Standard Chartered Credit Card IFSC Code – SCBL0036001
  • Bank Branch Address – MG Road, Mumbai

To pay via NEFT, follow these steps:

• Login to the net banking portal where the Standard Chartered credit card is added to the list of beneficiaries
• Select NEFT as the mode of Fund Transfer
• Select the Standard Chartered credit card from the list of beneficiaries
• Review the details especially Standard Chartered Bank Credit Card IFSC Code which should be SCBL0036001
• Enter the amount to be paid and pay

How to Make Standard Chartered Bank Credit Card Bill Payment through RTGS using IFSC Code?

To pay Standard Chartered Bank credit card bill via RTGS the cardholder’s bill must be over Rs. 2.00 lakh. The details that need to be added are same as given for NEFT payment here.  The steps for it are:

• Login to the net banking portal where the Standard Chartered credit card is added to the list of beneficiaries
• Select NEFT as the mode of Fund Transfer
• Select the Standard Chartered credit card from the list of beneficiaries
• Review the details especially Standard Chartered Bank Credit Card IFSC Code which should be SCBL0036001
• Enter the amount and pay

Standard Chartered Credit Card Payment using UPI

Standard Chartered credit card payment can be done via UPI as well. To use this facility users must first register on an app that supports UPI based transactions. The steps for Registration and Payment are:

Registration

• Download an app that supports UPI payments
• Provide a mobile number to register
• Provide the necessary details like IFSC Code, Bank name, etc.
• Set UPI ID and PIN

Payment

• Login to an app that supports UPI Payment
• Select UPI Money Transfer
• Provide the Account number and Standard Chartered credit card IFSC Code – SCBL0036001
• Enter the amount, and click on Pay

Standard Chartered Online Banking

One can clear credit card dues by using Standard Chartered online banking. This can be done conveniently by logging into Standard Chartered Online Banking account using the internet banking username and password to make quick and easy payments. This method allows payment through account transfer – anytime, anywhere. The customer can view his/her statement online and then decide – the minimum due amount, total amount or any amount of choice to be paid.

Standard Chartered Credit Card Payment via Visa Credit Card Payment

This service allows the transfer of funds from the customer’s bank account to any Visa credit card issued in India. It is possible to send money to over 27 million Visa cardholders in India within 3 working days. A fee may be levied by the initiating bank when using Visa Money Transfer.

Standard Chartered Credit Card Payment via BillDesk 

One can make the credit card bill payment in a secure and convenient manner using this option – anytime and anywhere from any bank account to the credit card account. After selecting one’s bank, card details and the amount to be paid, one is automatically redirected to the bank’s payment interface where the transaction is authenticated before final payment.

Standard Chartered Credit Card Payment via Payment Apportionment

This method allows one to distribute the payment in case one has multiple credit cards and has to clear the outstanding payments and still maintain a good credit standing. If one has multiple credit cards/EMI accounts with Standard Chartered and more than one have outstanding status, the bank can distribute the payment in such a way that it clears the outstanding amounts with the objective of keeping a good credit standing.
In the absence of any specific information on payment apportionment, Standard Chartered Bank first diverts funds towards the clearance of minimum amount due in respect of all card/EMI accounts of the customer. After that, excess payment is sequentially allocated towards payment of the credit card account with the highest balance. If any card account is overdue, the bank reserves the right to prioritise payments to the overdue accounts first.
For cash payments and funds transfer, individual payment should be made against each account.

Standard Chartered Credit Card Payment via Cheque Payment

One can clear the credit card dues by making a payment through cheque. The cheque should be in favour of the “Standard Chartered Bank Card No. xxxx xxxx xxxx xxxx (16 digit credit card number)” and can be dropped at any Standard Chartered Bank’s cheque collection boxes. The cheque should be complete in every way and any alteration done must be countersigned to prevent unnecessary cancellation. The bank’s website gives a complete list of locations having cheque collection boxes in India. It is advised to make payments at least 3 days before the payment due date to ensure timely credit of funds into one’s credit card account.

Standard Chartered Credit Card Payment via Cash Payment

The credit card bill can also be paid by depositing cash at any Standard Chartered Bank branch having teller facility. One has to fill the cash deposit slip with required details and deposit the cash at the teller counter. The teller accepts the cash payment and hands over a receipt.

Standard Chartered Credit Card Payment via Phone Banking

One can call the Standard Chartered phone banking helpline and request a transfer from one’s bank account to pay the credit card bill. Assistance at the phone banking is available 24×7.

Standard Chartered Credit Card Payment via Auto Debit/Electronic Clearing System (ECS)

One can even give instructions to one’s bank to automatically debit the savings account to pay the credit card bill in full or pay the minimum amount every month with the  facility of Electronic Clearing System (ECS). Since the entire process happens through Reserve Bank of India’s electronic clearing mechanism, the customer can enjoy the benefits of ECS/auto debit irrespective of the bank in which he/she holds a savings account.

To apply for this facility, one has to download the required forms from the internet. Form A has to be submitted to own bank (where savings account is maintained). Form B and Form C have to be sent to Standard Chartered Bank (they can be dropped at any cheque drop box or mailed to the address mentioned on the form) along with a photocopy of a blank cancelled cheque issued by own bank.

The time taken for the various methods of funds transfer is given below:

What should I do if I do not have or have forgotten online banking username and password?
You can register for online/mobile banking by using ‘Instant Registration’ with your debit or credit card. Please insure your mobile number is registered with Standard Chartered Bank to receive an SMS with your temporary password.

Can I make my Standard Chartered Bank credit card bill payment on the last day?
It is advisable to make the credit card bill payment in advance to avoid any late payment charges, however, there are a few bill payment services that credit the payment immediately.

Can I automate my Standard Chartered Bank credit card bill payment?
Yes, you can automate your Standard Chartered bank credit card bill payment by registering for the auto-debit feature on your Standard Chartered Bank account.