Standard Chartered Credit Card: Features, Fees, How to Apply?

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Standard Chartered (SC) credit cards come packed with lucrative deals and rewards. You can use these on transactions related to dining, grocery, lifestyle shopping, travel, etc.

The range of SC cards that are available under the three categories such as rewards, cashback, and travel are designed to address your unique preference. You can apply for a Standard Chartered Credit Card and upgrade your shopping and travelling experience with ease.

Top Standard Chartered Credit Cards

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:

CASHBACK	REWARDS	TRAVEL
Smart Credit Card (Advantageous features ensure a smart life)	Rewards Card (Get 4X reward points on all retail spends)	Standard Chartered EaseMyTrip Credit Card (Enjoy exciting discounts and rewards on travel spending)
Super Value Titanium Credit Card (Get up to 5% cashback and save on monthly expenses)	Ultimate Card (Extensive reward points, 5 on every ₹150, that help enhance your lifestyle)	Standard Chartered Priority Visa Infinite credit card (Exclusive rewards for overseas spends and complimentary lounge access for Priority Bank customers)
Manhattan Platinum Credit Card (Assures double benefits in the form of cashback and rewards)	Platinum Rewards Card (Get 5x reward points on dining and fuel spends)	-
DigiSmart Credit Card (Get benefits on movies, travel, shopping, groceries, food orders, and cab bookings)	Bandhan Bank Standard Chartered One Credit Card (Enjoy 1 reward on every ₹150, with a welcome gift of 500 points)	-
	Bandhan Bank Standard Chartered Plus Credit Card (Get 3 reward points on every ₹150 spent and 1500 points as welcome gift)
	Bandhan Bank Standard Chartered Xclusive Credit Card (Enjoy 3 points for every ₹150, and 10 points on specific spends with additional points throughout the year)

Features and Benefits of Standard Chartered Credit Cards

Here are some general features of a Standard Chartered Credit Card:

Instant Approval: Complete video KYC verification and get a virtual credit card from Standard Chartered Bank with 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 ₹2,000, you can convert them into EMIs using online banking or through the SC Mobile app
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 of up to ₹5 Lakhs on your credit card with flexible tenures from 12-60 months
Balance Transfer Facility: Credit card balance transfer facility up to ₹5 Lakhs from other banks’ credit cards at an attractive interest rate.

Standard Chartered Credit Card Fees and Charges

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

1. Annual Fee of different Standard Chartered credit cards

Credit Card Type	Annual Fee
Standard Chartered Rewards Credit Card	₹1,000 + GST
Standard Chartered EaseMyTrip Credit Card	₹350 + GST
Smart Credit Card	₹499 + GST
DigiSmart Credit Card	₹49 (monthly) + GST
Platinum Rewards Card	₹250 + GST (one-time fee)
Manhattan Platinum Card	₹999 + GST
SuperValue Titanium Credit Card	₹750 + 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

Transaction Type	Fees and Charges
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

Disclaimer: The above fees and charges are subject to change at the bank’s discretion.

How to Apply for a Standard Chartered Credit Card

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 an SC Bank credit card as per your requirements
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: Upload important documents to complete your application
Step 7: Once done, your credit card application will be subject to final policy and verification checks by the bank.

Post this, you will receive your 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 net banking.

Note: The 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 Credit Card Customer Care

Standard Chartered Bank has a dedicated customer care team that focuses on resolving the queries of all its clients. Here are the ways in which you can contact them:

Write to their official email address at customer.care@sc.com
Call the helpline number available on the website under the ‘Contact Us’ section
Send a post to the official 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.

DISCLAIMER

The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

Disclaimer

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.

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About Standard Chartered Credit Card

How can I get a credit card from Standard Chartered Bank?

You can apply online for a Standard Chartered Bank Credit Card of your choice via the bank’s official website. You can also visit the nearest Standard Chartered Bank branch to apply for a credit card.

Which credit card is best in Standard Chartered Bank?

Ultimate card, DigiSmart Card, Manhattan Card, and Super Value Titanium Cashback Credit Card are some of the top Standard Chartered credit cards. Browse through the features, benefits, and rewards program to choose one that best suits your needs.

Can I apply for a Standard Chartered Credit Card online?

The Standard Chartered Credit Card is currently not available on Bajaj Markets. However, you can directly visit the Standard Chartered Bank’s official website to apply.

Can I change my Standard Chartered Credit Card type?

If you want to switch from your current card type to another, you can call the Standard Chartered customer care service number or visit the nearest branch to get assistance.

However, make sure you consider factors such as existing and new credit card limits, bonus rewards, interest rates, and clearing of your existing credit card debt before making the switch.

What is the easiest Standard Chartered card to get?

Getting a Standard Chartered Credit Card is easier when you successfully meet the eligibility criteria laid down by the bank. Hence, select a Standard Chartered Credit Card that has a higher approval chance as per your profile.

What is the minimum salary for a Standard Chartered Credit Card?

There is no fixed minimum income requirement for a Standard Chartered Credit Card. Hence, these criteria can vary from one card to another. You can learn about the salary requirement when you initiate the SCB credit card application process.

However, Standard Chartered Bank demands a regular source of income while providing a credit card.

What is the use of the Standard Chartered Credit Card?

You can use the Standard Chartered Bank Credit Card for various purposes, such as shopping, dining, travelling, and more. When you use these credit cards, you can even save on the transactions.

How long does it take to get a Standard Chartered Credit Card?

It can take approximately 9 working days to get a Standard Chartered Bank Credit Card.

How can I increase my Standard Chartered Credit Card limit?

To increase your Standard Chartered Bank Credit Card limit, log into your Standard Chartered net banking account. Under the ‘Help & Services’, go to the ‘Card Management’. After selecting the ‘Credit Limit Increase’ option, you can follow the necessary options to increase your credit card limit.

What is the credit score required to apply for a Standard Chartered Bank Credit Card?

While Standard Chartered Bank has no specific credit score requirements, it is ideal to have a score of 750 and above. This will boost your eligibility for a Standard Chartered Bank Credit Card and help ensure you get the best deal.

What are the offers on Standard Chartered Bank Credit Cards?

If you are a Standard Chartered Bank cardholder, you can enjoy many offers and discounts on your credit card.

With these limited-time offers, you can enjoy the best deals on dining, shopping, travel, entertainment, and more. You can check out these offers on the Standard Chartered Bank credit cards website.