Standard Chartered Credit Card

Standard Chartered (SC) credit cards come packed with lucrative deals and rewards which you can use on transactions related to dining, grocery, lifestyle shopping, travel, etc. The range of SC credit cards that are available under the three categories: Rewards, Cashback, and, Travel are designed to address your unique preference. Apply for a Standard Chartered credit card and upgrade your shopping and travelling experience now!

To apply for a Standard Chartered credit card online, follow the steps mentioned below:

• Step 1: Visit Standard Chartered Bank’s official website.

• Step 2: Go to the ‘Our Products’ section and click on ‘Credit Cards’.

• Step 3: Select any SC Bank credit card available under the three categories: Reward, Cashback, and Travel.  

• Step 4: Submit your Standard Chartered credit card application.

• Step 5: A bank representative will contact you to confirm the credit card approval.

• Step 6: You may have to upload important documents (see below) to complete the credit card application procedure.

• Step 7: Once done, your Standard Chartered credit card application will be subject to final policy and verification checks by the bank. Post this, you will receive your Standard Chartered credit card within 7-15 days.

 

In case you have an existing Standard Chartered bank savings account, you can apply for a Standard Chartered credit card through netbanking.

 

Note: Standard Chartered credit card is currently not available on the Bajaj Markets’ website. To browse other credit card options, visit Bajaj Markets today!

Standard Chartered Bank offers a host of credit card options that cater to all lifestyles and are tailor-made to meet your existing financial needs. The top Standard Chartered credit cards available in India are as follows:

1. Eligibility Criteria to Apply for a Standard Chartered Credit Card

To apply for any of the above-mentioned Standard Chartered credit cards, you must fulfil the following basic criteria:

• Age: The applicant must fall between the age bracket of 21 and 65 years.

• Income: The applicant must have a stable monthly income.

• Location: The applicant must be residing in credit card sourcing cities as dictated by the bank

 

Note: The Standard Chartered Bank credit card application will be assessed by the bank as per its internal policies and criteria. The final right to grant the credit card lies solely with Standard Chartered. However, you must agree to the terms and conditions set by the bank to become eligible to get a Standard Chartered credit card.

2. Documents Required to Apply for a Standard Chartered Credit Card

Following is a list of documents that you need to submit at the time of credit card application:

• Identity Proof: Passport, PAN card, Voter’s Id, any government-provided ID proof

• Address Proof: Aadhaar card, passport, driving license, Voter’s ID, job card issued by NREGA

• Financial Documents:

1. Self-employed Businessmen: Latest IT Returns, last business continuity proof

2. Self-employed Professionals: Latest IT Returns, business continuity proof

3. For Salaried Individuals: Latest salary slips

4. For Self-employed:

• Passport-sized Photograph

 

Note: The list is indicative. The bank may ask for additional documents as per its requirement.

Some of the important Standard Chartered credit card features include:

• Instant Approval: Complete video KYC verification and get a virtual credit card from Standard Chartered Bank. This process quickens the SCB credit card application process and ensures instant approval.

• Exciting Deals: Get incredible deals on dining, shopping, travel, and more with the ‘Good Life Program’.

• EMI Conversion Facility: In case of big expenses that amount to over ₹2000, you can convert them into EMIs using online banking or SC Mobile.

• Reward Points: Redeem rewards across a host of popular brands with the Standard Chartered 360◦ reward program.

• Contactless Credit Card: Get contactless credit cards for faster checkouts and hassle-free transactions.

• Loan: Get a loan up to ₹5,00,000 on your credit card with flexible tenure from 12-60 months.

• Balance Transfer Facility: Credit card balance transfer facility up to ₹5,00,000 from other banks’ credit cards at an attractive interest rate.

The fees and charges of top Standard Chartered credit cards are mentioned below:

1. Annual Fee of different Standard Chartered credit cards         

• Standard Chartered EaseMyTrip Credit Card: ₹350 + GST

• Smart Credit Card: ₹499 + GST

• DigiSmart Credit Card: ₹49 (monthly) + GST   

• Platinum Rewards Card: ₹250 + GST

• Manhattan Platinum Card: ₹999 + GST           

• SuperValue Titanium Credit Card: ₹750 + GST

• Ultimate Card: ₹5000 + GST

 

Note: Annual fees may vary according to the existing promotional offers. The rates will be communicated to the applicant during the procedure.

2. Other Fees and Charges on Standard Chartered Credit Card

• Late Fee Charge: ₹100 (levied in case you miss a payment of the minimum amount due for 2 or more months)

• Late Payment Charges (w.e.f. 1st May 2021): ₹0- ₹1200

• Overlimit Charges: ₹500 per instance or 2.5% of the Over limit amount (min. ₹500)

• Cash Advance Fee: 3% of cash withdrawal (from ATM) amount (min. ₹300)

• Overseas Transactions: 3.5% transaction fee

• Rewards Handling Charges: ₹99 will be charged towards handling and courier charges for the redemption of reward points

• Cheque/ Cash Pick-up Fee: ₹100

• Paper Statement (w.e.f. 1st January 2019): ₹99 (monthly) for requesting both Online and Paper Statement

• Service Handling Charges: ₹49- ₹199

Standard Chartered bank has a dedicated customer care team that focuses on resolving the queries of all its clients. You can either write to the credit card customer care or call the Standard Chartered helpline to get in touch with the customer care executive for any financial assistance.

 

Standard Chartered bank has different helpline numbers for personal banking, premium banking, priority banking, business banking, etc. Visit the official Standard Chartered website and click on ‘Contact Us’ to know the helpline numbers for your city. You can also reach their customer care via email at customer.care@sc.com or via sending a post at the following address: Standard Chartered Bank, Customer Care Unit, 19 Rajaji Salai, Chennai - 600 001. Alternatively, you can opt for various chat options and resolve your queries.