Standard Chartered Credit Cards are made for different kinds of customers and their different needs. These cards offer benefits in various areas like travel, shopping, cashback, fuel, and paying your utility bills. On this page, we've provided information about The best Standard Chartered Credit Cards in India. You can find details about what each card offers, how much they cost, and who can get them. You can also compare these cards and apply for them through MybankingTips. Keep reading to find out more.
| Credit Card | Annual Fee | Best Suited For |
|---|---|---|
| Standard Chartered EaseMyTrip Credit Card | Rs. 350 | Travel |
| Standard Chartered Smart Credit Card | Rs. 499 | Cashback |
| Standard Chartered Platinum Rewards Credit Card | Rs. 250 | Rewards |
| Standard Chartered Super Value Titanium Credit Card | Rs. 750 | Fuel and Utility Bill Payment |
| Standard Chartered Ultimate Credit Card | Rs. 5,000 | Travel and Golf |
You can apply for top Standard Chartered Bank Credit Cards through MybankingTips by following these steps:
If you're unable to view the card options on our platform, you can apply for them by visiting The Standard Chartered Bank's official website.
To be eligible for a Standard Chartered Bank credit card, you should have a credit score of at least 750 and meet the bank's basic eligibility requirements listed below.
Applicants are required to submit proof of identity, proof of address, and proof of income along with a duly filled application form. The approved documents for each category are included in the list below.
| Proof of Identity | Voter’s ID, Driver’s License, Aadhaar card, PAN Card, Passport, Overseas Citizen of India Card, Job card issued by NREGA, Person of Indian Origin Card, Letters issued by the UIDAI or any other government approved photo ID proof |
| Proof of Address | Passport, Aadhaar card, Driver’s License, Utility Bill not more than 3 month’s old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement or any other government approved address proof |
| Proof of Income |
(For salaried)
(For self-employed)
|
| Fee/Charge | Amount/Rate | |
|---|---|---|
| Joining Fee | Varies from card to card | |
| Annual Fee | Varies from card to card | |
| Finance Charges | Up to 3.75% p.m. (45% p.a.) | varies from card to card | |
| Late Payment Fee |
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Here are the advantages and perks of the best Standard Chartered credit cards:
The Standard Chartered EaseMyTrip Credit Card is a travel-focused card that partners with EaseMyTrip to offer users some fantastic perks. With this card, you can earn rewards faster, enjoy discounts on your travel bookings, access airport lounges for free, and benefit from other advantages to help you save on your travel expenses.
The Standard Chartered Smart Credit Card is a great option if you want cashback on all your online and other expenses. This card offers various features like multiple ways to use your cashback, the option to turn large purchases into manageable installments, and a period where you won't be charged interest on your spending.
The Standard Chartered Platinum Rewards Card is an excellent choice for those looking for a beginner-level credit card. Consider getting this card if your primary monthly expenses revolve around fuel and dining, and you'd like to earn rewards for these expenses. It's also a suitable option if you prefer not to pay a high annual fee.
The Standard Chartered Super Value Titanium card is one of India's top cashback credit cards. It's a great choice if you frequently use a card for fuel, utility bills, and telecom payments. This card provides a combination of rewards and cashback benefits, making it a popular option.
The Standard Chartered Ultimate Card is a high-end credit card designed for frequent travelers and golf enthusiasts. Consider getting this card if you desire a credit card with a low foreign currency mark-up fee, lounge access privileges, and generous rewards.
You have several options to pay your Standard Chartered Credit Card bill, including online methods such as NetBanking, RTGS, UPI, credit card, and Bill Desk. However, it's essential to consider the processing time for each of these payment modes and select the one that ensures your payment is made on time, aligning with your due date.
If you want to make a payment on your Standard Chartered credit card from another bank, you can do so by adding your Standard Chartered credit card as a beneficiary and using the NEFT or RTGS payment method.
To access your Standard Chartered Credit card account, please follow these steps:
If you are a new customer, you can register for online access by selecting the "New to Online Banking" option:
If you have any questions or concerns about your Standard Chartered Credit Card, you can contact the bank through various channels:
Standard Chartered Bank offers a range of credit card options to cater to different customer needs. We recommend that you assess your spending habits and choose a credit card that aligns with them. For instance, if you frequently spend on fuel, the Standard Chartered Super Value Titanium card would be an ideal choice as it provides a 5% cashback on fuel purchases.
Yes, Standard Chartered Credit Cards offer the option to deactivate international usage on your credit card. You can easily do this through online channels, either via net banking or mobile banking.
Yes, Standard Chartered Bank's Credit Cards offer a 'Balance Transfer' service, enabling you to move the outstanding balance from other banks' credit cards to your Standard Chartered card. This can make it more convenient to manage your credit card bill, as balance transfer interest rates are typically lower than the finance charges on credit cards.
Standard Chartered Bank provides the option for a loan against your credit card's available credit limit. Depending on your financial behavior and your relationship with the bank, they may also extend a loan exceeding your credit limit. The interest rate for this loan can vary from one customer to another based on individual circumstances.
The monthly interest rate of 3.49% per month is annualized to determine an Annual Percentage Rate (APR) of 41.88% for all <Standard Chartered Credit Cards. However, for Priority Visa Infinite, Ultimate, and Emirates World Credit Cards, the monthly interest rate is lower at 3.10% per month, resulting in an APR of 37.20%. It's important to note that cash transactions will also incur an interest rate of 3.49% per month, with an APR of 41.88%.
To request a credit limit increase, follow these simple steps:
To check your credit limit using Online Banking, follow these steps:
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Top Credit Cards in India