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Features of Standard Chartered Credit Cards

  • Wide Range of Cards: Travel, shopping, fuel, dining, and cashback cards.
  • Reward Points: Earn points on every spend, redeemable for vouchers, flights, and more.
  • Air Miles: Selected cards offer air miles with partner airlines.
  • Contactless Payments: Tap-and-pay feature for secure & quick transactions.
  • EMI Conversion: Convert big purchases into easy EMIs.
  • Global Acceptance: Use internationally with multi-currency support.
  • Complimentary Lounge Access: Free airport lounge visits (on premium cards).
  • Insurance Coverage: Travel, purchase, and fraud protection.
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Benefits of Standard Chartered Credit Cards

  • Cashback & Discounts: Up to 15% off on dining, shopping, and entertainment.
  • Fuel Surcharge Waiver: Save on fuel transactions.
  • Zero Liability: Fraud protection for unauthorized transactions.
  • Exclusive Offers: Discounts on e-commerce (Amazon, Flipkart, etc.).
  • Priority Pass Membership: Free lounge access (on premium cards).
  • Welcome Bonuses: Reward points or vouchers on first spend.
  • Flexible Repayment: Interest-free period up to 50 days.
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How to Apply for a Standard Chartered Credit Card

  • Online Application: Visit the official website, select the preferred card, fill in personal & financial details, upload KYC documents (PAN, Aadhaar, income proof), submit and await approval.
  • Offline Application: Visit a Standard Chartered branch, get assistance from bank staff, submit physical documents.
  • Eligibility Check: Age: 18+ years (21+ for some cards), minimum income: varies by card (usually ₹20,000+ per month), good credit score (750+ preferred).

Eligibility for Standard Chartered Credit Cards

  • Salaried Individuals: Minimum monthly income: ₹20,000 – ₹50,000 (varies by card), employment proof (salary slips, bank statements).
  • Self-Employed Professionals: ITR of ₹6 lakhs+ per annum, business proof (GST, company registration).
  • Credit Score: 750+ for higher approval chances.
  • Existing Bank Customers: Pre-approved offers available.
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Factors to Consider Before Applying

  • Annual Fees: Some cards have fees, waived on spending milestones.
  • Interest Rate: Typically 18% – 48% p.a. (pay full bill to avoid interest).
  • Reward Structure: Choose based on spending habits (travel, shopping, cashback).
  • Credit Limit: Depends on income & credit history.
  • Hidden Charges: Late payment, cash withdrawal fees.

Usage of Standard Chartered Credit Cards

  • Shopping: Online & offline retail purchases with rewards.
  • Travel: Book flights, hotels, and earn miles.
  • Dining: Discounts at partner restaurants.
  • Fuel: Surcharge waivers at petrol pumps.
  • EMI Payments: Convert high-value spends into installments.

FAQs on Standard Chartered Credit Cards

How to check credit card eligibility?
Use the bank's online eligibility checker or check pre-approved offers via net banking.
What is the minimum salary required?
Varies by card (₹20,000 – ₹50,000 per month).
How to activate the credit card?
Via SMS, net banking, or the bank's mobile app.
How to redeem reward points?
Log in to online banking & redeem for vouchers, cashback, or air miles.
Is there a joining fee?
Some cards have a fee, while others offer lifetime free options.
How to increase credit limit?
Request via customer care or online banking (subject to approval).
What if my card is lost/stolen?
Block immediately via app/customer care & request a replacement.
Are there forex markup charges?
Yes (2.5% – 3.5%), but some premium cards offer lower rates.
Can I convert purchases to EMIs?
Yes, via net banking or customer care (terms apply).
How to track credit card transactions?
Via SMS alerts, mobile app, or net banking.

List of Standard Chartered Bank Credit Cards