STANDARD CHARTERED BANK CREDIT CARDS

Credit cards enter as savior at times of emergency. Besides, they don’t come alone but with a set of reward points. If you are on a hunt for a credit card that brings irresistible reward points that are competitively higher than others, then here is the section dedicated to Standard Chartered Bank credit cards that come with rewards points and a collection of benefits you cannot flinch from.

Best SCB Credit Cards in India 2021

Card Variant Annual Fee
Manhattan Platinum Credit Card Rs.999/-
Super Value Titanium Credit Card Rs. 750/-
DigiSmart Card Rs. 49/month (waived off on spending Rs. 5,000 in the previous calendar month)
Ultimate Card Rs. 5000/-
Emirates World Card 3000/-
Platinum Rewards Card 250/-
Landmark Rewards Platinum Card Rs. 250/-
Visa Infinite Card NILL
Yatra Platinum Rs. 499/-

Why Choose SCB Credit Card?

Here are the major features and benefits of Standard Chartered credit cards:

EMI Conversion : Standard Chartered Bank offers EMI facility which gives the privilege of paying for your purchases in installments.  If you make a purchase over Rs. 5000, you can convert it into monthly installments at an affordable rate of interest, 1% processing fee and no foreclosure charges. This facility also offers an option to make payments within the tenure of 6 months to 4 years.

Loan on Card: If you are using a Standard Chartered credit card, know that you can avail loan on it. You can get the loan of up to Rs. 7.5 lakh on your credit card which you have to pay minimum interest charges for. Besides that, you don’t have to go through the hassle of documentation.

Balance Transfer: SCB credit cards bring you a choice to transfer your outstanding balance. You can transfer the outstanding amount to your Standard Chartered Bank credit card from other cards. This facility allows you to save on interest charges.

Easy Payment: Make your to-pay list easier with SCB credit cards. You can use online/netbanking methods to pay off your bills.

Features and Benefits of Standard Chartered Credit Cards

Here are the top credit cards offered by Standard Chartered Bank:

1. Standard Chartered Manhattan Platinum Credit Card

Standard Chartered Manhattan Platinum Credit CardKey Highlights: Annual returns of about 2.6% depending  on the spends, 5% cashback on every bill charged for the supermarket/department store on card.
Joining Fee Rs. 999+tax
Renewal Fee Rs. 999+tax (waived after annual spends of Rs. 1,20,00)
Joining bonus 5,000 reward points on the payment of joining fee.
Features & benefits

  • Rewards on all the transactions made for shopping.
  • 5% cashback on every transaction made to pay supermarket bills.
  • Up to 20% (Max. Rs. 600) cashback on spends made for Uber.
  • Best for rewards

2. Standard Chartered Super Value Titanium Credit Card

Standard Chartered Super Value Titanium Credit CardKey Highlights: Rewards on every spend,  approx. 2.3% annual returns based on the spends, cashback on fuel, utility & telephone bills.
Joining Fee Rs. 750+ tax
Renewal Fee Rs. 750+ tax (waived after annual spends of Rs. 90,000)
Joining bonus 100% cashback (up to Rs. 1500) on first transaction at fuel pump within 90 days.
Features & benefits

  • 5% cashback on fuel (max. Rs. 200)
  • 5% cashback on utility bills (max. Rs. 100)
  • 5% cashback on telephone bills (max. Rs. 200)

3. Standard Chartered DigiSmart Card

Standard Chartered DigiSmart CardKey Highlights: Discounts on Myntra, Zomato and Grofers, Cashback on Ola, Inox weekend offer
Joining Fee Rs. 49/month
Renewal Fee Rs. 49+ tax/month (waived after spends of Rs. 5,000)
Joining bonus There is no joining bonus.
Features & benefits

  • Discount of up to Rs. 700/month on Myntra.
  • Discount of up to Rs. 750/month on Zomato.
  • Cashback of up to Rs. 600/month on Ola.
  • Discount of up to Rs. 1,000/month on Grofers.

Documents Required for Standard Chartered Credit Card

There are certain documents that you need to submit in order to get a credit card from Standard Chartered bank. The documents that are required for SC credit cards differ based on new cardholders and existing cardholders.

Documents required for Standard Chartered bank credit card if you are a new cardholder:

  • Identity proof:PAN card, Voter ID card, Driving licence, Passport
  • Address proof: Bank statement, Ration card, Rent agreement, Voter ID card, Driving licence, Passport, Postpaid number
  • Income proof
    • For salaried individuals: Salary slips of last 3 months, Bank statement of last 6 months
    • For self-employed individuals: Proof of current business, It returns

Documents required for Standard Chartered bank credit card if you are an existing cardholder:

  • PAN card, Voter ID card, Driving licence, Passport
  • Bank statement, Ration card, Rent agreement, Voter ID card, Driving licence, Passport, Postpaid number
  • Copy of the front side of existing card
  • Existing Statement

Standard Chartered Credit Card Eligibility 

To know the eligibility criteria that one needs to pass in order to get a credit card is the first step to get it inside the wallet. In order to apply for a credit card from Standard Chartered bank, you must fulfill the following eligibility criterias:

  • Income 

To successfully fetch yourself a Standard Chartered credit card, your income must fall within the range set by the bank. Usually, the credit limit offered by Standard Chartered bank is 2-3 times of the income.

The credit limit offered to the salaried individuals is based on the net monthly salary. For self-employed individuals, the credit limit offered by the bank is determined by the income declared in IT return of the last financial year.

The minimum income requirement for Standard Chartered credit card is Rs. 27, 500 for salaried individuals. When it comes to the self-employed individuals, the annual income should be Rs. 5 lakh, excluding the tax deduction.

Note that your income will not be checked by Standard Chartered or any other bank if you have an existing credit card.

  • Credit Score

Your credit score plays a key role in determining your eligibility for credit cards, given that it helps in gauging your repayment capacity. Your credit score must be 700 or above in order to get a credit card by Standard Chartered sanctioned.

If you have a poor credit score then your chances of getting a credit card will be dulled. In case you’re an existing credit card holder, the bank will check the history of your card’s transaction and payment to see if you are capable of making repayments on time.

  • Age

The type of a credit card you will be able to get sanctioned depends on your age. You should be at least 21 years old to be eligible for a Standard Chartered credit card. The maximum age for applying for a SC credit card is 64 years. The minimum age for a credit card from Standard Chartered can range among different types & schemes of credit cards.

Existing Standard Chartered Bank Customer

Know that the bank has a different set of credit card offers for its existing account holders. So apart from the important checkpoints mentioned above, if you are already a customer of Standard Chartered bank then you will have a higher probability of getting a credit card. On the top, if you have a consistent history of maintaining decent balance in your account, the chances of getting a higher credit limit will be amplified.

How to Apply for a Standard Chartered Bank Credit Card

Here is how you can apply for a Standard Chartered credit card if you are an existing customer:

  • Offline method: You can visit the nearest Standard Chartered bank branch in order to apply for a credit card.
  • Online method: If you don’t want to visit the bank then you can simply use the online method to apply for a Standard Chartered credit card.

Here are the steps that you need to follow to apply for the card online:

Step 1: First things first, you need to navigate to the web portal and visit the credit card page. Here you will find the list of all the  Standard Chartered Bank credit cards at the top.

Step 2: Now, you have to choose a card which you are seeking to apply for and hit the ‘Check Eligibility’ button. If you are eligible for it then you will be taken to the application page.

Step 3: You will be required to fill all the fields now. Once you have done that, hit the ‘Submit’ button.

Step 4: Now that you have submitted your application and the required documents successfully, you will get a message acknowledging it along with the ‘Application ID’. This ID can be used to track the application status.

So, that is the procedure for applying for a SC credit card if you are an existing customer. Below we have mentioned the procedure to be followed if you are a new customer.

You have to follow the application procedure mentioned below to apply for a Standard Chartered credit card:

Offline method: You can visit the nearest Standard Chartered bank branch in order to apply for a credit card.

Online Method: If you want to apply for a SCB credit card without needing to go anywhere, then you can use the online method.

Here is what you need to do to apply for a Standard Chartered Bank credit card online:

  • First of all, you have to go to the official web portal of Standard Chartered Bank and spot the list of all the Standard Chartered Bank credit cards at the top on the credit card page.
  • Input your contact details and personal information in the next step.

Once you have gone through the steps mentioned above, you will receive a call from the bank representative acknowledging your application and guiding you through the procedure of application for Standard Chartered Bank Credit Cards.

How to Check Standard Chartered Credit Card Status

It is quite simple to track the status of your Standard Chartered Bank credit card. You can perform this simple procedure via online or offline methods. You can check the status of your card after you receive an SMS acknowledging your credit card application.

Here is how you can check the status of your credit card status.

Online : In order to check the status of your Standard Chartered Bank credit card status, you first need to:

  • Visit the official web portal of the bank.
  • Hit the credit card tab.
  • Now spot the “Track your Credit Card Application Status” option.
  • After that, you have to fill the required details including the application reference number, application form number and mobile number.

Offline : To find the status of your application for the Standard Chartered credit card offline, you can:

  • Visit the nearest branch.
  • Contact customer service.

You need to provide your details such as reference number and application form number.

Standard Chartered Bank Credit Card Bill Payment

When it comes to making payments for your Standard Chartered Bank credit card bill, there are multiple options available that are there to suit your convenience.

Here are different types of payment options available to pay off your SCB credit card bill

  • NEFT/IBFT
  • NetBanking
  • Phone banking
  • Cash
  • Cheque
  • Visa payment
  • Payment apportionment
  • Auto debit

FAQs  On SCB Credit Cards

1. How can I close my Standard Chartered credit card?

If you want to discontinue with your credit card, you can contact the 24×7 customer helpline. Before terminating your credit card, you will need to clear all the outstanding balance.

2. How can I replace my credit card?

To replace your SCB credit card with a new one, you can simply log into phone banking to request a new credit card.

3. What is the age limit to apply for a SCB credit card?

Only those who are 21 years of age can apply for a Standard Chartered credit card. The maximum age limit is 65 years. Apart from that, one should have a consistent income and a decent credit score to get a credit card.