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Standard Chartered Bank Credit Cards

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Best For Card Name

Fuel

No particular card for fuel.

Travel

Standard Chartered Emirates World Credit Card

Family

Standard Chartered Platinum Rewards Credit Card

Premium

Standard Chartered Ultimate Mastercard World Credit Card

Frequent Spenders

Standard Chartered Landmark Rewards Platinum Credit Card

Best Standard Chartered Bank Premium Credit Card


  • Annual Fee: Rs. 5,000
  • Joining Fee: Rs. 5,000

Benefits

This card comes with Rs. 10,000 MakeMyTrip wallet cash, which can be used against flight and hotel bookings. And, you earn reward value of Rs. 5,000 on renewal. It offers Rs. 5 reward value of each eligible transactions and up to 20% cashback from popular brands like UBER, Tata CLiQ, Snapdeal, Apple as well as duty free stores at airports. Apart from it, you receive up to 25% cashback on your dining expenses.

Moreover, you get complimentary access to international as well as domestic airport lounges along with free access to premium golf ranges and up to 12% discount from travel partners like Hotels.com, Goomo.com and Musafir Travels. You also save 1.5% on international transactions and get travel insurance protection.


Drawbacks

The card comes with annual charges equal to Rs. 5,000 and APR equal to 37.20%. Moreover, the APR for cash transactions is even higher, with equal to 41.88%, which is quite high for a premium credit card.


Bottom Line

The card offers great value on reward redemption with each Rs. 1 for each reward point along with pretty good premium benefits. However, the applicable APR is quite high ranging from 37.20% to 41.88%.


Best Standard Chartered Bank Credit Card for Travel


  • Annual Fee: Rs. 3,000
  • Joining Fee: Rs. 3,000

Benefits

The comes offers welcome benefit of 4,000 Skyward Miles on joining and gets you 2X incremental reward points on your spend at Emirates Airlines. Apart from it, you get up to 20% discount from various brands like UBER, Tata CLiQ, Snapdeal, Apple, Croma, Grofers and Jabong.

Moreover, you save up to 15% on your dining bills as well as up to 12% on travel with partners like Hotels.com, Goomo.com and Musafir Travels. You also get complimentary access to international as well as domestic airport lounges along with complimentary golf games and lessons, and travel protection covers.


Drawbacks

Though, it is a travel credit card, you don't save anything on your international transactions. Moreover, the applicable annual percentage rate is quite high.


Bottom Line

This is a co-branded card and offer good travel benefits. It is best suitable only if you travel a lot through Emirates Airlines and comes with only Rs. 3000 annual fee. The card seems week in terms of benefits from 2nd and subsequent years since you don't get any renewal benefits. Apart from it, the applicable APR is something that can worry you if you are not paying the total due amount.


Best Standard Chartered Bank Credit Card for Frequent Spenders


  • Annual Fee: Rs. 250
  • Joining Fee: Rs. 250

Benefits

The card offers welcome benefits worth up to Rs. 3,300 on joining and you can earn 3X incremental reward points at Landmark (Lifestyle, Home Centre and Max Stores) stores. Moreover, you save up to 12% on travel categories like hotel bookings, holiday packages and flight bookings along with up to 20% discount from various brands like SPAR, Lifestyle stores, UBER, Tata CLiQ, Snapdeal, Apple, Croma, Grofers and Jabong.


Drawbacks

The reward points you earn on the card are eligible for only 1 year from the date of accumulation, and cannot be redeemed for cashback. Moreover, it takes 6 days only just for approval from the bank.


Bottom Line

The card offer great benefit on joining against a cheap annual fee of Rs. 250. Moreover, you can also get annual fee waiver benefits by simply spending Rs. 2,500 monthly on the card. It offers great value if you are a regular customer at Lifestyle stores, Home centers and Max stores. Though, the annual percentage rate is something to think about.


Best Standard Chartered Bank Credit Card for Family


  • Annual Fee: Rs. 250
  • Joining Fee: Rs. 250

Benefits

The card offers welcome benefits worth up to Rs. 1,000 on joining and gets you 5X incremental reward points on dining as well as fuel transactions. Apart from it, you get up to 20% discount from various brands like UBER, Tata CLiQ, Snapdeal, Apple, Croma, Grofers and Jabong along with up to 12% cashback on travel expenses.


Drawbacks

The card comes with high APR of 41.88%, and it takes 9 days to get approval from Standard Chartered for this card.


Bottom Line

The card offers great reward value on dining and fuel transactions, making it a best Standard Chartered card for families. The annual charges is just Rs. 250 which you can easily get waived off by spending Rs. 2500 or more each month. However, the high APR is concernable before applying for the card, especially if you usually make defaults with payments.


Eligibility Criteria

  • The minimum age of an applicant should not be less than 21 years.
  • The maximum age of the applicant should not be more than 65 years.
  • The minimum age of an add-on cardholder should not be less than 18 years.
  • Applicant should be a resident of the following Indian cities – Ahmedabad, Bangalore, Chennai, Delhi, Hyderabad, Kolkata, Mumbai, Pune, Allahabad, Amritsar, Bhopal, Bhubaneswar, Chandigarh, Cochin / Ernakulam, Coimbatore, Indore, Jaipur, Jalandhar, Kanpur, Lucknow, Ludhiana, Nagpur, Patna , Rajkot, Surat, Vadodara, Gurgaon, Noida, Jalgaon, Guwahati, Cuttack, Mysore, Thiruvananthapuram, Visakhapatnam, Mathura, Proddatur, Dehradun, Saharanpur, Siliguri.

Documentation

    • Passport Size Photographs
    • Latest 3 months' Salary Slip and Latest 3 months Bank Statement along with Income Tax Returns (ITR)/Form 16.
    • KYC Documents

Standard Chartered Bank Credit Card Reward Points – Earn & Burn

Spends Ultimate World Card Emirates World Card Manhattan Platinum Card Super Value Titanium Card Platinum Rewards Card Landmark Rewards Platinum Card Priority Visa Infinite Card Yatra Platinum Card

Dining

5 reward points on each Rs. 150

3 Skyward Miles on each Rs. 150

3 rewards on each Rs. 150

1 reward point on each Rs. 150

5 reward point on each Rs. 150

3 reward points on each Rs. 200

2 reward point on each Rs. 100

2 points on each Rs. 100

Departmental Stores

5 reward points on each Rs. 150

3 Skyward Miles on each Rs. 150

3 rewards on each Rs. 150

1 reward point on each Rs. 150

1 reward point on each Rs. 150

3 reward points on each Rs. 200

2 reward point on each Rs. 100

2 points on each Rs. 100

Grocery Stores

5 reward points on each Rs. 150

3 Skyward Miles on each Rs. 150

3 rewards on each Rs. 150

1 reward point on each Rs. 150

1 reward point on each Rs. 150

3 reward points on each Rs. 200

2 reward point on each Rs. 100

2 points on each Rs. 100

Travel

5 reward points on each Rs. 150

6 Skyward Miles on each Rs. 150 on Emirates Airlines

3 rewards on each Rs. 150

1 reward point on each Rs. 150

1 reward point on each Rs. 150

3 reward points on each Rs. 200

2 reward point on each Rs. 100

4 points on each Rs. 100 at Yatra.com

Entertainment

5 reward points on each Rs. 150

3 Skyward Miles on each Rs. 150

3 rewards on each Rs. 150

1 reward point on each Rs. 150

1 reward point on each Rs. 150

3 reward points on each Rs. 200

2 reward point on each Rs. 100

2 points on each Rs. 100

Utility Bill Payment

5 reward points on each Rs. 150

3 Skyward Miles on each Rs. 150

3 rewards on each Rs. 150

1 reward point on each Rs. 150

1 reward point on each Rs. 150

3 reward points on each Rs. 200

2 reward point on each Rs. 100

2 points on each Rs. 100

Fuel

Nil

Nil

Nil

Nil

1 reward point on each Rs. 150

Nil

Nil

Nil

Online Shopping

5 reward points on each Rs. 150

3 Skyward Miles on each Rs. 150

3 rewards on each Rs. 150

1 reward point on each Rs. 150

1 reward point on each Rs. 150

3 reward points on each Rs. 200

2 reward point on each Rs. 100

2 points on each Rs. 100

Partners

5 reward points on each Rs. 150

3 Skyward Miles on each Rs. 150

3 rewards on each Rs. 150

1 reward point on each Rs. 150

1 reward point on each Rs. 150

Up to 9 reward points on each Rs. 200 at Landmark stores

2 reward point on each Rs. 100

2 points on each Rs. 100

International

5 reward points on each Rs. 150

3 Skyward Miles on each Rs. 150

3 rewards on each Rs. 150

5 reward point on each Rs. 150

1 reward point on each Rs. 150

3 reward points on each Rs. 200

5 reward point on each Rs. 100

2 points on each Rs. 100

Standard Chartered Bank Credit Card Bill Payment

Standard Chartered Bank offers its credit card users multiple methods to pay Standard Chartered Bank credit card bills on time including both online as well as offline methods as mentioned below.

Standard Chartered Bank Credit Card Bill Payment through Standard Chartered Netbanking
  • Login your Standard Chartered Internet Banking service and check your credit card statement for outstanding balance.
  • Click on "Cards" option at the left-hand side menu.
  • Select the card for which you want to make the payment.
  • Enter the amount you want to pay and then click on the "Pay" button.
  • Confirm the payment
Standard Chartered Bank Credit Card Bill Payment through Billdesk
  • Click here to go to the Visit the Standard Chartered Billdesk page.
  • Fill the card details such as credit card number, registered mobile number, email address and the amount you want to pay.
  • Select the bank through which you want to complete the transaction from the drop-down menu.
  • Click on "Pay Now" button
  • Enter your chosen bank's net banking user id and password and then confirm the payment.
  • Receive the acknowledgement
Standard Chartered Bank Credit Card Bill Payment through NEFT
  • Login to your other bank's online banking service and go to the fund transfer option.
  • Add your Standard Chartered credit card as payee for NEFT transfer. Use IFSC Code SCBL0036001 for transfer.
  • Choose your payment account type and enter the amount payable.
  • Click on the "Submit" button.
Standard Chartered Bank Credit Card Bill through VISA Payment Transfer
  • Login to your other bank's online banking service and go to the fund transfer option.
  • Choose "VISA Credit Card Pay" option
  • Enter the sender and recipient details and click on "Confirm" button.
Standard Chartered Bank Credit Card Bill Payment at Standard Chartered Branch
  • Visit your nearest Standard Chartered branch
  • Fill cash deposit slip with the necessary details.
  • Deposit the cash at the cash deposit counter
  • And, receive the receipt.
Standard Chartered Bank Credit Card Bill Payment through Auto Debit
  • Click here to download the Auto Debit Form and fill it with the required information.
  • Submit the completed "Form A" at the your home branch.
  • Send the "Form B" and "Form C" to Standard Chartered Bank with a photocopy of a blank cancelled cheque issued by your bank. The address is mentioned on the form.

Standard Chartered Bank Credit Cards – Fees & Charges

Ultimate World Card Emirates World Card Manhattan Platinum Card Super Value Titanium Card Platinum Rewards Card Landmark Rewards Platinum Card Priority Visa Infinite Card Yatra Platinum Card

Finance Charges

3.10% per month

3.10% per month

3.49% per month

3.49% per month

3.49% per month

3.49% per month

3.10% per month

3.49% per month

Cash advance fee

3% per month at ATMs

Min Rs. 300


Rs. 500 at Branches

Through teller facility

3% per month at ATMs

Min Rs. 300


Rs. 500 at Branches

Through teller facility

3% per month at ATMs

Min Rs. 300


Rs. 500 at Branches

Through teller facility

3% per month at ATMs

Min Rs. 300


Rs. 500 at Branches

Through teller facility

3% per month at ATMs

Min Rs. 300


Rs. 500 at Branches

Through teller facility

3% per month at ATMs

Min Rs. 300


Rs. 500 at Branches

Through teller facility

Rs. 100 to Rs. 800

3% per month at ATMs

Min Rs. 300


Rs. 500 at Branches

Through teller facility

Annual fee

Rs. 5,000

Rs. 3,000

Rs. 999

Rs. 750

Nil for Premium Customers

Rs. 250

Rs. 250

Nil

For Priority Banking Customers

Rs. 999

For Premium Variant


Rs. 499

For Non-Premium Variant

Other Charges

Charges Amount

Foreign transaction fee

2% foreign currency markup

For Ultimate Mastercard World Card


3.5% foreign currency markup

For Other Cards

Late Fee

Zero to Rs. 800

Additionally Rs. 100 if MAD is due for 2 or more consecutive months.

Minimum Payment

5% of the outstanding balance

Min Rs. 250

Over-limit fee

2.5% of the overlimit amount

Min Rs. 500

Returned payment fee

NA

EMI Conversion Charges

NA

Balance Transfer Charges

NA

How To Apply for Standard Chartered Bank Credit Card?

  • Select an Standard Chartered Bank Credit Card as per your preferences given above.
  • Click on "Apply Now" and fill the Online Application Form. You'll be asked to provide some personal details such as your Address, Contact, Income, Employer Details, Educational Qualifications.
  • Check the details and Submit

You’ll receive a confirmation message from Standard Chartered Bank after completion of the application form.

Note: If your application got rejected, you would be able to apply after 3 months of your previous application.