Standard Chartered Bank Credit Cards

Top Picks

Best ForCard Name
FuelNo particular card for fuel.
TravelStandard Chartered Emirates World Credit Card
FamilyStandard Chartered Platinum Rewards Credit Card
PremiumStandard Chartered Ultimate Mastercard World Credit Card
Frequent SpendersStandard Chartered Landmark Rewards Platinum Credit Card

Best Standard Chartered Bank Lifestyle Credit Card

Standard Chartered Ultimate Mastercard World Card

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 transaction 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.

Bottomline

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

Standard Chartered Emirates World Card

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 that, 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.

Bottomline

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

Standard Chartered Landmark Rewards Platinum Card

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.

Bottomline

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

Standard Chartered Platinum Rewards Card

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 that, 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.

Bottomline

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.

View Other Standard Chartered Bank Credit Cards

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 Cards Reward Points – Earn & Burn

SpendsUltimate World CardEmirates World CardManhattan Platinum CardSuper Value Titanium Card
Dining5 reward points on each Rs. 1503 Skyward Miles on each Rs. 1503 rewards on each Rs. 1501 reward point on each Rs. 150
Departmental Stores5 reward points on each Rs. 1503 Skyward Miles on each Rs. 1503 rewards on each Rs. 1501 reward point on each Rs. 150
Grocery Stores5 reward points on each Rs. 1503 Skyward Miles on each Rs. 1503 rewards on each Rs. 1501 reward point on each Rs. 150
Travel5 reward points on each Rs. 1506 Skyward Miles on each Rs. 150 on Emirates Airlines3 rewards on each Rs. 1501 reward point on each Rs. 150
Entertainment5 reward points on each Rs. 1503 Skyward Miles on each Rs. 1503 rewards on each Rs. 1501 reward point on each Rs. 150
Utility Bill Payment5 reward points on each Rs. 1503 Skyward Miles on each Rs. 1503 rewards on each Rs. 1501 reward point on each Rs. 150
FuelNilNilNilNil
Online Shopping5 reward points on each Rs. 1503 Skyward Miles on each Rs. 1503 rewards on each Rs. 1501 reward point on each Rs. 150
Partners5 reward points on each Rs. 1503 Skyward Miles on each Rs. 1503 rewards on each Rs. 1501 reward point on each Rs. 150
International5 reward points on each Rs. 1503 Skyward Miles on each Rs. 1503 rewards on each Rs. 1505 reward point on each Rs. 150
SpendsPlatinum Rewards CardLandmark Rewards Platinum CardPriority Visa Infinite CardYatra Platinum Card
Dining5 reward point on each Rs. 1503 reward points on each Rs. 2002 reward point on each Rs. 1002 points on each Rs. 100
Departmental Stores1 reward point on each Rs. 1503 reward points on each Rs. 2002 reward point on each Rs. 1002 points on each Rs. 100
Grocery Stores1 reward point on each Rs. 1503 reward points on each Rs. 2002 reward point on each Rs. 1002 points on each Rs. 100
Travel1 reward point on each Rs. 1503 reward points on each Rs. 2002 reward point on each Rs. 1004 points on each Rs. 100 at Yatra.com
Entertainment1 reward point on each Rs. 1503 reward points on each Rs. 2002 reward point on each Rs. 1002 points on each Rs. 100
Utility Bill Payment1 reward point on each Rs. 1503 reward points on each Rs. 2002 reward point on each Rs. 1002 points on each Rs. 100
Fuel5 reward point on each Rs. 150NilNilNil
Online Shopping1 reward point on each Rs. 1503 reward points on each Rs. 2002 reward point on each Rs. 1002 points on each Rs. 100
Partners1 reward point on each Rs. 150Up to 9 reward points on each Rs. 200 at Landmark stores2 reward point on each Rs. 1002 points on each Rs. 100
International1 reward point on each Rs. 1503 reward points on each Rs. 2005 reward point on each Rs. 1002 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 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 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.

Citibank Credit Cards – Fees & Charges

Ultimate World CardEmirates World CardManhattan Platinum CardSuper Value Titanium Card
Finance Charges3.10% per month3.10% per month3.49% per month3.49% per month
Cash advance fee3% per month at ATMsMin Rs. 300
Rs. 500 at BranchesThrough teller facility
3% per month at ATMsMin Rs. 300
Rs. 500 at BranchesThrough teller facility
3% per month at ATMsMin Rs. 300
Rs. 500 at BranchesThrough teller facility
3% per month at ATMsMin Rs. 300
Rs. 500 at BranchesThrough teller facility
Annual feeRs. 5,000Rs. 3,000Rs. 999Rs. 750Nil for Premium Customers
Platinum Rewards CardLandmark Rewards Platinum CardPriority Visa Infinite CardYatra Platinum Card
Finance Charges3.49% per month3.49% per month3.10% per month3.49% per month
Cash advance fee3% per month at ATMsMin Rs. 300
Rs. 500 at BranchesThrough teller facility
3% per month at ATMsMin Rs. 300
Rs. 500 at BranchesThrough teller facility
Rs. 100 to Rs. 8003% per month at ATMsMin Rs. 300
Rs. 500 at BranchesThrough teller facility
Annual feeRs. 250Rs. 250NilFor Priority Banking CustomersRs. 999For Premium Variant
Rs. 499For Non-Premium Variant

Other Charges

ChargeAmount
Foreign transaction fee2% foreign currency markupFor Ultimate Mastercard World Card
3.5% foreign currency markupFor Other Cards
Late FeeZero to Rs. 800Additionally Rs. 100 if MAD is due for 2 or more consecutive months.
Minimum Payment5% of the outstanding balanceMin Rs. 250
Over-limit fee2.5% of the overlimit amountMin Rs. 500
Returned payment feeNA
EMI Conversion ChargesNA
Balance Transfer ChargesNA

How To Apply for Standard Chartered Bank Credit Card?

  • Select a 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 was rejected, you would be able to apply after 3 months of your previous application.

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