Standard Chartered Credit Cards: Features & Benefits
Standard Chartered Bank offers a variety of credit cards packed with exclusive perks across different categories, including welcome rewards, cashback, travel privileges, and milestone benefits. Here’s what you can expect:
- Welcome Rewards: Get bonus reward points, gift vouchers, or accelerated cashback when you activate your card or pay the joining fee.
- Rewards & Cashback: Earn reward points or cashback on every transaction. It depends on the type of card and what you’re spending on.
- Travel Privileges: Enjoy complimentary airport lounge access, discounts on flights and hotels, and exclusive travel memberships.
- Milestone Bonuses: Unlock extra rewards like bonus points or vouchers when you meet a specific spending target within a given timeframe.
- Additional Perks: Get a 1% fuel surcharge waiver, zero liability protection, and annual fee waivers based on spending.
Standard Chartered Bank Credit Cards Comparison
| Credit Card | Best For | Joining / Annual Fee | Key Benefits | Lounge Access | Reward Program | RatingOK Recommendation |
|---|---|---|---|---|---|---|
| Standard Chartered Ultimate Credit Card | Premium travel & lifestyle | ₹5,000 / ₹5,000 | High-value rewards, golf privileges, duty-free cashback and premium travel benefits | Domestic & International | 360° Rewards | ★★★★★ |
| Standard Chartered Beyond Credit Card | Luxury lifestyle | ₹15,000 / ₹25,000 | Luxury hotel benefits, premium concierge, travel privileges and milestone rewards | Unlimited Domestic & International | 360° Rewards | ★★★★★ |
| Standard Chartered EaseMyTrip Credit Card | Travel bookings | ₹350 / ₹350 | Instant discounts on flights & hotels, 10X rewards and complimentary lounge access | Domestic | 360° Rewards | ★★★★★ |
| Standard Chartered Rewards Credit Card | Everyday rewards | Nil / ₹1,000 | 4X reward points on retail spends, quarterly lounge access and milestone rewards | Domestic | 360° Rewards | ★★★★☆ |
| Standard Chartered Smart Credit Card | Online shopping & cashback | ₹499 / ₹499 | 2% cashback on online spends and 1% cashback on other eligible spends | No | Cashback | ★★★★★ |
| Standard Chartered Platinum Rewards Credit Card | Dining & fuel | ₹250 / ₹250 | 5X reward points on dining and fuel purchases | No | 360° Rewards | ★★★★☆ |
| Standard Chartered Super Value Titanium Credit Card | Fuel & utility bill payments | ₹750 / ₹750 | 5% cashback on fuel, utility bills and phone bill payments | No | Cashback | ★★★★☆ |
| Standard Chartered Manhattan Platinum Credit Card | Grocery shopping | ₹999 / ₹999 | 5% cashback at supermarkets and accelerated reward points | No | 360° Rewards | ★★★★☆ |
| Standard Chartered DigiSmart Credit Card | Online lifestyle | ₹49/month | Discounts on Myntra, Blinkit, Zomato, Yatra and entertainment | No | Lifestyle Benefits | ★★★★☆ |
| Standard Chartered Priority Visa Infinite Credit Card | Priority Banking customers | Lifetime Free (Eligible Customers) | Exclusive travel benefits, Priority Pass, concierge and premium rewards | Domestic & International | 360° Rewards | ★★★★★ |
Quick Comparison
| Category | Best Standard Chartered Credit Card |
|---|---|
| Best Overall | Standard Chartered Ultimate Credit Card |
| Best Premium Card | Standard Chartered Beyond Credit Card |
| Best Travel Card | Standard Chartered EaseMyTrip Credit Card |
| Best Cashback Card | Standard Chartered Smart Credit Card |
| Best Grocery Card | Standard Chartered Manhattan Platinum Credit Card |
| Best Fuel Card | Standard Chartered Super Value Titanium Credit Card |
| Best Rewards Card | Standard Chartered Ultimate Credit Card |
| Best Online Shopping Card | Standard Chartered Smart Credit Card |
| Best Lifestyle Card | Standard Chartered DigiSmart Credit Card |
| Best Value for Money | Standard Chartered Rewards Credit Card |
Eligibility Criteria
To qualify for a Standard Chartered Credit Card, applicants must meet certain eligibility requirements:
- Age Requirement: You must be at least 21 years old and not older than 65 to apply.
- Income Stability: A steady source of income is required, whether salaried or self-employed.
- Creditworthiness: A strong credit history is preferred to enhance approval chances.
Required Documents
Applicants must provide valid identity proof, address proof, and proof of income to complete the application process. The following documents are accepted:
| Identity Proof | Address Proof | Proof of Income |
|---|---|---|
| Voter ID | Aadhar Card | Audited ITR Acknowledgement |
| Aadhar Card | Passport | Salary Slips |
| Driving License | Utility Bills | |
| PAN Card | ||
| Passport |
How to Apply for a Standard Chartered Credit Card
Standard Chartered Bank offers both online and offline methods for credit card applications:
- Offline Application: Visit your nearest Standard Chartered branch with the required documents and complete the application form.
- Online Application:
- Choose the credit card you want to apply for.
- Click on the “Apply Now” button.
- Provide your basic details for instant approval.
Tracking Your Credit Card Application Status
If you have already applied for a Standard Chartered credit card, you can check your application status by:
- Contacting Customer Support: Provide your application number or registered mobile number.
- Visiting a Branch: Bank representatives can assist you with the status update.
Activating Your Standard Chartered Credit Card
You can activate your credit card using any of the following methods:
- Online Activation: Log in to Standard Chartered’s internet banking, go to ‘Help and Services,’ and generate your PIN under ‘Card Management.’
- Customer Service Activation: Call Standard Chartered’s customer support and follow the instructions to activate your card.
Internet Banking Registration for Credit Cards
To manage your credit card online, register for Standard Chartered’s internet banking by following these steps:
- Visit the Standard Chartered Bank website.
- Click ‘Register Now’ and select ‘Continue to Login.’
- Choose ‘Instant Registration.’
- Enter your credit card details and complete the process.
Customer Support
For any assistance related to your Standard Chartered credit card, you can contact customer support through:
- Phone: 6601 4444 / 3940 4444 / 1800 345 1000 (toll-free).
- Email: card.services@sc.com
Should You Get a Standard Chartered Credit Card?
Standard Chartered Credit Cards are simple to use and offer flexible options for different needs like shopping, travel, and daily expenses. By choosing the right card based on your spending habits and using its features wisely, you can maximize benefits while managing your finances smoothly.
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Frequently Asked Questions
- Which Standard Chartered Credit Card should I choose?
Pick a credit card that matches how you usually spend money. If you travel often, choose a travel credit card. For daily use like fuel or shopping, a cashback card is better. Pick what matches your lifestyle.
- What are the fees and eligibility requirements?
Fees and minimum salary requirements are different for each card. These depend on the card’s features, so always check the latest details before applying.
- How do I apply, activate, and log in to my credit card?
You can apply online through the bank’s website. After getting the card, activate it by setting a PIN using mobile or internet banking. You can also log in there to manage your card.
- How can I earn and use reward points?
You earn points on spending and can redeem them online for vouchers or other rewards. Usually, 1 point equals ₹1, and points expire after about 3 years.
- How do I make a payment for my credit card bill?
You can pay online using NetBanking, UPI, NEFT, RTGS, or BillDesk. You can also pay from another bank by adding your card as a beneficiary.
- Can I transfer my balance or take a loan on the card?
Yes, you can transfer dues from another card at lower interest rates. You may also get a loan based on your credit limit and usage.
- How can I check or increase my credit limit?
Log in to online banking to see your limit. You can also request an increase from the card management section.
- Can I control features like international usage?
Yes, you can turn international usage on or off anytime through mobile or internet banking.
- What should I do if my card is lost or I need help?
Immediately contact customer care to block your card and get support.
- What documents are required?
You need identity and address proof. PAN is valid as ID proof but not as address proof.
- What are TPIN and CVV2?
TPIN is used for phone banking verification. CVV2 is the 3-digit code on your card used for secure online payments.
- How can I close my credit card?
You can close your card through online banking or by contacting customer care.