BEST FOR FLAT RATE REWARD (3.3%) ON MOST CARD SPENDS

Standard Chartered Ultimate Credit Card

Our Rating 4.0
Top Reasons to Choose
3.33%
Reward on all card spends (except certain categories mentioned below)
2%
Reward on utilities, supermarkets, insurance, property management, schools & government payments
✔︎
Complimentary visits to airport lounges in India (4 times per quarter), and abroad (once per month)
✔︎
1 complimentary golf round per month, AND 1 complimentary golf lesson per month
✔︎
Reduced fee of 2% on foreign card transactions
Annual Fee

₹5000

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : 6000 reward points worth ₹6000, upon payment of joining fee (within 60 days of card issuance).
  • Renewal offer : From the 2nd year onwards, you earn 5000 reward points worth ₹5000, on payment of annual fee

LIFETIME FREE CARD (IF YOU APPLY ONLINE)

Standard Chartered Platinum Rewards Credit Card

Our Rating 3.25
Top Reasons to Choose
✔︎
Lifetime free card (only if you apply online)
Annual Fee

₹0

Minimum Income

Not specified

Annual Fee Offers
  • Nil

BEST FOR 5% CASHBACK ON FUEL AND UTILITY BILL PAYMENTS

Standard Chartered Super Value Titanium Credit Card

Our Rating 4.0
Top Reasons to Choose
5%
Cashback on fuel purchases upto ₹4000 per month
5%
Cashback on phone bill payments of upto ₹4000 per month
5%
Cashback on utility bill payments of upto ₹2000 per month
✔︎
Only for Standard Chartered Premium Banking customers - complimentary access to international airport lounges, once per month
Annual Fee

₹750

Minimum Income

₹55000 per month

Annual Fee Offers
  • Welcome offer : 100% cashback (up to ₹1500), on fuel purchases done within 90 days of card issuance.
  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹90,000 or more in the previous year

BEST FOR FLIGHT & HOTEL BOOKINGS ON EASEMYTRIP

Standard Chartered Bank EaseMyTrip Credit Card

Our Rating 4.0
Top Reasons to Choose
✔︎
Domestic flight bookings on EaseMyTrip : 10% discount on flight bookings upto ₹10,000 per month (maximum ₹1000 discount per month)
✔︎
International flight bookings on EaseMyTrip : 10% discount on bookings upto ₹50,000 per month (maximum ₹5000 discount per month)
✔︎
Domestic hotel bookings on EaseMyTrip : 20% discount on hotel bookings upto ₹25,000 per month (maximum ₹5000 discount per month)
✔︎
International hotel bookings on EaseMyTrip : 20% discount on hotel bookings upto ₹50,000 per month (maximum ₹10,000 discount per month)
2.50%
Reward on spends at hotel and airline websites/apps/outlets
✔︎
Complimentary airport lounge access in India (1 time per quarter), and abroad (2 times per year)
Annual Fee

₹350

Minimum Income

Not specified

Annual Fee Offers
  • Renewal Offer : Annual fee from the 2nd year waived, if you spend ₹50,000 or more in the previous year

STARTER CASHBACK CARD FOR ONLINE SPENDS

Standard Chartered Smart Credit Card

Our Rating 3.50
Top Reasons to Choose
2%
Cashback on ‘online spends’ upto ₹50,000 per month
1%
Cashback on all other card spends - on card spends upto ₹50,000 per month
Annual Fee

₹499

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : 1st year fee is waived off as a special offer, for new customers.
  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹1.20 lakhs or more in the previous year.

COMPLIMENTARY AIRPORT LOUNGE ACCESS || GOOD ANNUAL FEE OFFERS

Standard Chartered Rewards Credit Card

Our Rating 3.25
Top Reasons to Choose
✔︎
Attractive annual fee offers : Annual fee of ₹1000 is waived at ₹1.50 lakh annual card spend. If annual card spend is below ₹1.50 lakh, you get 4000 reward points worth ₹1000
✔︎
Complimentary domestic airport lounge access - 1 time per calendar quarter
1.6%
Reward on all monthly card spends above ₹20,000
Annual Fee

₹1000

Minimum Income

Not specified

Annual Fee Offers
  • Renewal offer : Fee waived at ₹1.50 lakh annual card spend. If annual card spend is below ₹1.50 lakh, you get 4000 reward points worth ₹1000.

Which is the best Standard Chartered Credit Card?

The best card depends on many factors. It depends on your personal circumstances like income, credit score and more. It also depends on your spending patterns and preferences. For example, some credit cards may offer higher rewards on certain types of credit card spends, while some people may prefer a lifetime free or a lower annual fee card even though the rewards on the card maybe comparatively lower. 

On this page, we have given detailed information on various Standard Chartered Cards, based on which you can make an informed choice. 

How can I apply for a Standard Chartered Credit Card? 

You can apply for a Standard Chartered Credit Card online or offline.

Standard Chartered Credit Card - Apply Online 

You can apply for a Standard Chartered Credit Card online, by clicking the APPLY NOW button provided against each of the Standard Chartered Credit Cards on this page. When you apply online, you shall be taken to the Standard Chartered Bank credit card application page on the Standard Chartered Bank website. You can also visit the official website of Standard Chartered, and fill out the respective credit card application form. 

The Standard Chartered Credit Card online card application process is simple and convenient. You need to fill out some some basic personal details, professional details, followed by KYC process. Once this is done, you shall receive your physical card in a few working days.

Standard Chartered Credit Card - Apply Offline 

You can also visit any of the nearest branches of Standard Chartered Bank, and talk to an executive regarding the process. They shall help you complete the credit card application process.

Eligibility criteria for getting a Standard Chartered Credit Card

Although your credit card eligibility is based on multiple parameters which can be assessed once you apply for the Standard Chartered Bank Credit Card, there are certain basic criteria that all applicants must fulfil.

  • Age : 21 years to 65 years
  • Income : Some Standard Chartered Credit Cards specify the minimum income requirements, while some others do not.
  • Credit score : A credit score of 750 or more is generally preferable

Documents required to apply for a Standard Chartered Bank Credit Card

Some of the basic documents required are-

  • PAN Card
  • Identity proof (any one of the following photo cards): Passport, Voter Id Card, Govt ID, etc.
  • Address proof (any one of the following documents with current residence address): Aadhaar Card, Passport, Driving License, Election/Voter’s ID Card, Job card issued by NREGA duly signed by an officer of the State Government, The letter issued by the National Population Register containing details of name, address.
  • 1 recent passport-sized photograph
  • Financial documents for salaried: Latest one-month salary slip
  • Financial documents for self-employed :
    – Self-employed businessmen : Latest IT Returns with computation of income /certified financials, business continuity proof.
    – Self-employed professionals: Latest IT Returns, business continuity proof.

In addition to these, you maybe asked to provide additional documents, on a case-to-case basis.

How can I track my Standard Chartered Credit Card application? 

After you have applied for a Standard Chartered credit card, you can track your SCB credit card application status by clicking here – SCB Credit Card Application Status

Standard Chartered Credit Card Fees & Charges

Please find below some important fees and charges of Standard Chartered Credit Cards.

Annual charges or annual fee

Many credit cards charge a fee every year just for having the card, a first year annual fee which is often called joining fees, and then an ongoing annual fee from the 2nd year onwards. Premium credit cards usually charge a higher annual fee, but tend to offer higher rewards, as well as other perks such as complimentary access to airport lounges, complimentary access to railway lounges in India, complimentary premium memberships to airline and hotel loyalty programs, golf privileges, a variety of complimentary insurance benefits including travel health insurance, and more

While many people do not like paying an annual fee, the benefits can far surpass the costs if you use many of the card’s extra features or accumulate a lot of rewards or cash back. It is important to assess whether the annual fee justifies the benefits before making a decision.

Interest rate

Interest is charged on any unpaid balance beyond the due date of your credit card bill. Interest is also charged on any cash advance amounts. Cash advances occur when you use your credit card to withdraw cash from ATMs.

Late payment fee 

Failure to pay the minimum amount due on your credit card, by the bill due date results in a late payment fee. Frequent late payments may affect your credit rating. Additionally, you will be charged interest on your total outstanding card balance, as explained in the previous section.

Cash withdrawals

You can use your Standard Chartered Credit Card to withdraw cash from ATMs. The amount you can withdraw depends on your card type and the predetermined cash advance limit.

When you withdraw cash using your credit card, the bank will charge interest on the withdrawn amount, immediately from the day you withdraw cash, till the day this amount is repaid in full. Unlike regular card transactions, there is no interest free grace period on cash withdrawals, you start accumulating interest charges immediately on cash withdrawal.

Foreign currency transaction fee

This fee is charged on the value of international card transactions. This is a fee charged by the card issuer to convert any transactions in foreign currency into Indian rupees. This is usually around 3.50% of the card transaction amount, on select cards especially premium cards this fee can be reduced which allows more savings when you spend while traveling abroad.

For important terms and conditions, and more details on fees & charges of all Standard Chartered Credit Cards, please click here – SCB Credit Card Fees & Charges

Best Credit Cards

Please see below some of the best credit cards on offer-

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