Disclaimer

This is to inform that by clicking on the link, you will be leaving our www.sc.com/inand entering a website operated by other parties:

Such links are only provided on our website for your convenience and Standard Chartered Bank does not control or endorse such websites, and is not responsible for their contents.

The use of such website is also subject to the terms of use and other terms and guidelines, if any, contained within each such website. In the event that any of the terms contained herein conflict with the terms of use or other terms and guidelines contained within any such website, then the terms of use and other terms and guidelines for such website shall prevail.

Thank you for visiting our www.sc.com/in

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Earn 4X rewards on all retail spends* + bonus 4X rewards*. No Joining Fee, Free lounge access, Fuel Surcharge waiver and many more.

Rewards Credit Card
Rewards Credit Card
  • Get
    4X 
    4X 

    rewards on all retail spends* + bonus 4X rewards* on monthly spends* over INR 20,000.

  • Free
    Lounge access*
    Lounge access*

    1 per calendar quarter

  • Enjoy
    No Joining Fee*
    No Joining Fee*

Eligibility

  •  Applicant’s age should be between 18 and 65 years for Salaried person and for Self Employed age should be 18 and 67 years.
  •  Minimum age for add-on cardholder is 18 years.
    Monthly Income
  • Applicants should have a stable monthly income.
    Other Requirements
  • Applicants should belong to credit card sourcing cities/locations of the Bank.
  • All applications are subject to credit and other policy checks of the Bank.

Enjoy discounts* & rewards* on hotel* & flight bookings along with complimentary lounge access

Standard Chartered EaseMyTrip Credit Card
Standard Chartered EaseMyTrip Credit Card
  • Flat
    20% & 10%
    20% & 10%

    flat 20% off on hotels* & 10% off on flights*- Book now at EaseMyTrip.

  • Get
    10x
    10x

    rewards * for ₹100 spent at standalone hotel and airline websites/apps/outlets

  • Enjoy
    Complimentary
    Complimentary

    domestic lounge access – 2 per year

Eligibility

  • Applicant’s age should be between 18 and 65 years for Salaried person and for Self Employed age should be 18 and 67 years.
  • Minimum age for add-on cardholder is 18 years.
    Monthly Income
  • Applicants should have a stable monthly income.
    Other Requirements
  • Applicants should belong to credit card sourcing cities/locations of the Bank.
  • All applications are subject to credit and other policy checks of the Bank.

Enjoy cashback of 2%* on your Online spends & 1%* across other spends

Smart Credit Card
Smart Credit Card
  • Get
    2%* Cashback
    2%* Cashback

    on all online spends and 1%* Cashback on all* other spends.

  • EMI
    Conversion
    Conversion

    convert your eligible transactions into a 3-month EMI and enjoy a special interest rate of 0.99% per month with no processing fee.

  • Maximize your
    Credit Card benefits
    Credit Card benefits

    with an extended 90-day interest free period after issuance* by paying only the minimum amount due.

Eligibility

  • Applicant’s age should be between 18 and 65 years for Salaried person and for Self Employed age should be 18 and 67 years.
  •  Minimum age for add-on cardholder is 18 years.
    Monthly Income
  •  Applicants should have a stable monthly income.
    Other Requirements
  • Applicants should belong to credit card sourcing cities/locations of the Bank.
  •  All applications are subject to credit and other policy checks of the Bank.

Enjoy 5 reward* points on ₹150 spent, 5% cashback* on duty-free spends, and access to 1000+ airport lounges across the world.

Ultimate Credit Card
Ultimate Credit Card
  • Earn
    5 Reward* points
    5 Reward* points

    for every INR 150 spent. Each reward point is worth INR 1

  • Get
    5% cashback*
    5% cashback*

    on all duty free spends

  • Four
    Complimentary
    Complimentary

    complimentary domestic airport lounge access per quarter

Eligibility

  • Applicant’s age should be between 18 and 65 years for Salaried person and for Self Employed age should be 18 and 67 years.
  • Minimum age for add-on cardholder is 18 years.
    Monthly Income
  • Applicants should have a stable monthly income.
    Other Requirements
  • Applicants should belong to credit card sourcing cities/locations of the Bank.
  • All applications are subject to credit and other policy checks of the Bank.

Earn 5x reward points per INR 150 spent at fine-dining outlets and on fuel. 1 reward point per INR 150 spent on all other transactions

Platinum Rewards Card
Platinum Rewards Card
  • Earn
     5x 
     5x 

    reward points per INR 150 spent at fine-dining outlets.

  • Earn
    5x 
    5x 

    reward points per INR 150 spent on fuel

  • Earn
    1
    1

    reward point per INR 150 spent on all other transactions

Eligibility

  •  Applicant’s age should be between 18 and 65 years for Salaried person and for Self Employed age should be 18 and 67 years.
  • Minimum age for add-on cardholder is 18 years.
    Monthly Income
  • Applicants should have a stable monthly income.
    Other Requirements
  •  Applicants should belong to credit card sourcing cities/locations of the Bank.
  • All applications are subject to credit and other policy checks of the Bank.

Other Credit Cards

Features of Standard Chartered Bank Credit Card

No physical interaction required

Get instant approval on your application and also complete your KYC online through a video. Read More

The Good Life programme

Enjoy a host of discounts and offers across dining, shopping, travel and much more with the Standard Chartered Good Life programme, on your credit card. Read More

Kuch Bhi on EMI

Convert your big expenses above INR 2000 to easy EMI with Kuch Bhi on EMI through online banking or SC Mobile. Enjoy attractive pricing and flexible tenure options. Read More

360° Rewards

Redeem your reward points against our new online catalogue with the Standard Chartered 360° rewards program. Read More
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Credit Card FAQs

  • A credit card is a simple and efficient way to make payments. It negates the need to carry cash or issue checks and is designed to make spending a rewarding experience. It is the perfect way to handle all physical and online payments and has you covered in the event of a cash emergency too.

  • Standard Chartered credit cards provide you with a plethora of additional benefits to enhance your premium lifestyle.

    • With a Standard Chartered credit card, you earn cashback on making payments for fuel and other utility bills including your phone bill.
    • For the jetsetters out there, your Standard Chartered credit card can provide you with a number of travel benefits. Enjoy exclusive lounge access at multiple airports around the globe and gain rewards and cashback on your travel expenses and duty-free shopping.
    •  Movie buffs can especially appreciate our credit card rewards on entertainment and movie expenses. Treat yourself with the premium benefits available to you at a multitude of fine dining restaurants too.
    • Standard Chartered Credit cards allow you to convert any large transaction into an EMI. You can transfer credit card balance and even balance payment on EMI.
    •  Every contactless credit card purchase presents varied redemption options from our vast catalogue of luxury products and services.
  • To apply for a credit card online with Standard Chartered, you will need to meet the following eligibility criteria:

    • You are between 21 and 65 years of age
    •  You have a stable monthly income
    •  You belong to the credit card sourcing cities/locations of the bank
    • You agree to all applications being subject to credit and other policy checks of the bank
  • For a Standard Chartered credit card, you can easily apply online and get an instant in-principle decision regarding your application approval.

    • You can start the process by submitting your application online. Shortly thereafter, our bank representative will get in touch with you to confirm the online credit card approval. You may also be asked for further documents to complete the process.
    • Your credit card should arrive within 7-15 days from when you submit your application form and documents. During this time, it will be subject to the final policy and verification checks by our bank. Please feel free to contact our bank anytime for an update on your application and our bank representatives will be ready to assist you.
  • Standard Chartered has a credit card for every lifestyle.

    1.  Ultimate card –
      a) 5 reward* points per INR 150 spent (1 reward point = INR 1)
      b) Access to airport lounges and golf clubs
      c) Cashback on duty-free purchases
    2. Standard Chartered EaseMyTrip credit card –
      a)20% instant discount* on hotels and 10% off* on flights on EaseMyTrip
      b) 10X accelerated rewards* on standalone hotels and flight websites/apps/outlets
      c) Complimentary Domestic & International Lounge access*.
    3. Rewards Credit Card –
      a) Get 4 reward points on every INR 150 spent on retail categories*
      b) Enjoy additional 4 reward points* on every INR 150 spent on retail categories* for monthly spends above INR 20,000
      c) Enjoy domestic lounge access* once every quarter
    4.  Smart Credit Card –
      a) Enjoy 2%* cashback on all online spends and 1%* cashback on other spends.
      b) Attractive interest rate of 0.99%* per month on Kuch Bhi on EMI (KBE)
      c) Extended interest-free credit period for first 90 days*
    5.  DigiSmart Card –
      a) 10-20%* off at Grofers, Zomato, Ola, Myntra
      b) Domestic and international travel discounts
      c) Buy One Get One INOX movie tickets
    6. Manhattan Card –
      a) 5%* shopping cashback with 3x bonus reward points
      b) Travel and shopping discounts.
    7. Super Value Titanium Cashback Credit Card –
      a) 5%* cashback on all utility bills and fuel expenses.
    8. Platinum Rewards –
      a) 5x rewards on every Rs150 spent on dining and fuel
      b) Discounts on shopping, travel etc
    9. Visa Infinite –
      a) Priority bank customers exclusive
      b) Priority pass and lounge access

    *T&C apply

    • The customer’s credit limit is calculated, on credit card application, based on real time credit checks conducted by the bank
    •  The criteria that influences credit limits can include credit score, payment history, age of credit accounts, number of lines of credit, income of the applicant and outstanding debt
  • The monthly interest rate is recalculated as an annual rate, to arrive at the Annualized Percentage Rate (APR).

    • The monthly interest rate of 3.75%pm for all credit cards is annualized to arrive at an APR of 45%.
    • Cash transactions also generally attract an interest rate of 3.75% pm which translates into an APR of 45%.
  • Once you buy a credit card from Standard Chartered, the minimum amount due every month shall be the higher of the following two :

    a) 5% of statement outstanding or
    b) Sum total of all installments billed, interest, fees, other charges, amount that is over limit and 1% of the principal or INR 250

  • Your credit card outstanding is the sum total of all expenses paid via your credit card during a billing cycle. This amount also includes the interest accumulated and all charges levied.
    You can access your credit card outstanding by simply checking your account summary at the online Standard Chartered Home page. Standard Chartered also ensures that you receive a monthly email statement with information regarding your outstanding amount, the due date of payment and also an account of any unbilled charges or credit incurred post issuing the bill.
    In case of queries about the same, you can always contact us at our Helpline, based on your location or avail our Phone banking services at https://www.sc.com/in/contact-us/ and we will be happy to assist you.

  • Yes, you can apply for an add-on card. There will not be a separate credit limit for add-on cards; the limit on all cards and for the add-on is a combined amount.

  • Yes, since all overseas transactions are levied with a 3.5% transaction fee. However, for our Ultimate credit card users, there is a reduced Forex mark-up of 2%.

  • A grace period is an interest free period for you to pay your credit card balance in full without any interest rate charges. Do keep in mind that the grace period is calculated based on your billing cycle and not from the date of the transaction.

  • Once you have completed your SC online credit card application, you can check your application status anytime at https://apply.standardchartered.co.in/application-status. You will be asked to fill in your application number and your mobile number. After entering these details you will be redirected to a page that will show your application status.

  • A cash limit is the amount within your credit card limit that can be used for withdrawal. This amount is subject to interest charges as well as a cash withdrawal fee. You can discover your cash limit by simply logging into your online banking account and clicking on the card details option. An another alternative is to log in to SC Mobile and select your card, following which you will be able to view your card details and cash limit.

  • Both credit cards and debit cards are effective and convenient ways to make payments, however a few fundamental differences set these two apart.

    • Credit cards allow you to borrow cash from the card issuer. A debit card, on the other hand, allows you to only withdraw cash from your own savings or current account with the bank.
    •  In the case of a credit card, you are required to return the borrowed amount within the stipulated time to avoid incurring interest charges. The amount withdrawn from debit cards does not have to be repaid to the bank.
    •  With a credit card, your expenditure is not affected by the size of your savings account. This is especially useful when faced with a cash emergency. A debit card however can only let you spend as much as your savings account permits.
  • VKYC, or simply Video KYC, is a feature that allows you to complete your KYC through a video from the comfort of your home while applying online for a Standard Chartered credit card, personal loan, or savings account. With this feature, our application process becomes even simpler and completely contactless. Click here to learn more.

    •  Identity Proof (Any One of the following Photo cards): Passport, Voter Id Card, Govt ID, etc..
      PAN Card
    •  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, Last Business Continuity proof.
    • Self Employed Professionals: Latest IT Returns, Business Continuity proof.

Disclaimer

This is to inform that by clicking on the hyperlink, you will be leaving www.sc.com/in and entering a website operated by other parties:

Such links are only provided on our website for the convenience of the Client and Standard Chartered Bank does not control or endorse such websites, and is not responsible for their contents.

The use of such website is also subject to the terms of use and other terms and guidelines, if any, contained within each such website. In the event that any of the terms contained herein conflict with the terms of use or other terms and guidelines contained within any such website, then the terms of use and other terms and guidelines for such website shall prevail.

Thank you for visiting www.sc.com/in

 

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