Credit Cards

You will receive your credit card within the next 7 -14 days following a successful credit card application. Please keep the OTP in a safe place, you will need the OTP to change your PIN to a number of your choice. If you receive your card later than 14 days, please call the client centre on +254 20 329 3900 / +254 722 203666 / +254 732 143900 and request for a new PIN.

PIN creation for a new card is a 2 step process:

• Once your credit card application is approved and the card is created, a one-time password (OTP) is generated and sent to the phone number you provided in the credit card application. The OTP is valid for 14 days from the day you receive it. You will need the OTP to create a PIN of your choice.
• Upon receiving your new credit card, you need to go to an SCB ATM in Kenya:
  • Insert your credit card
  • You will be prompted to enter the OTP
  • From the menu options select the option for PIN change
  • Enter the 4 digit combination you want as your PIN

Yes, you can change your PIN at an SCB Kenya ATM before activating your card although we recommend you call our call centre to activate your card first. This will give you an opportunity to get any clarification you may need on the PIN change process.

You can change your existing credit card PIN at an SCB ATM in Kenya.

• Visit an SCB ATM in Kenya and insert your credit card
• You will be prompted to enter your existing PIN to access the menu
• From the menu options you should select the option for PIN change
• Enter the 4 digit combination you want as your PIN

• Call the SCB call centre at +254 20 329 3900 / +254 722 203666 / +254 732 143900
• When you get to an agent, request to change your credit card PIN. Please note you will be taken through various questions to confirm your identity. This is for your protection.
• SCB will immediately send you an OTP on the mobile number we hold in our records, it is valid for 14 days
• You should go to an SCB ATM in Kenya and insert your credit card
• You will be prompted to enter the OTP
• From the menu options you should select the option for PIN change
• Enter the 4 digit combination you want as your PIN

The OTP will be valid for 14days.

OTPs expire after 14 days. Please call the contact centre at +254 20 329 3900 / +254 722 203666 / +254 732 143900 to request a new OTP. The OTP will be sent to the mobile number we hold in our systems.

There is no limit to the number of times you can change your credit card PIN.

Yes, you can set your own PIN on replaced cards. Replaced credit cards will follow the same process as that of a new credit card. Refer to point 3 above.

For renewed credit cards the PIN on the expired card will continue to work on the renewed card. Should you wish to change this PIN you can visit the nearest SCB Kenya ATM use the PIN on your expired card to change to a PIN of your choice.

The OTP will be sent to your mobile number held in our records.

No, the One Time PIN is a temporary PIN. The one time PIN is meant to facilitate a secure way for you to set up a PIN of your choice and then use this for POS and ATM transactions going forward.

As soon as you have changed your PIN at the ATM to a PIN of your choice, you can use your credit card at a point of sale to purchase goods.

1. Login to the SC Mobile App
2. Go to “Payments” and select either “Pay to Saved Biller” or “One Time Bill Payment”
3. If doing One Time Bill Payment, select “Mobile Money” > “Mpesa or AirtelMoney” and enter the mobile phone number
4. Select Credit Card as source of funds
5. Input amount and description
6. Continue
7. Confirm details and continue
8. Input OTP and confirm

• Access M-PESA on the Safaricom Sim Tool Kit on your mobile phone
• Select “Lipa Na M-PESA” on the M-PESA menu
• Select “Pay Bill”, then press “Enter Business no” and enter 329 110 then press OK
• Select “Enter Account no.” which is the number on your Credit Card and press OK
• Key in the amount you wish to pay then press OK
• Enter your M-PESA PIN and press OK

With the increasing dependency on plastic money, credit card frauds can prove to be extremely damaging. Below are necessary steps to avoid the perils of credit card fraud.

• Keeping the Credit Card Safe
• Monitor Credit card transactions online
• Avoid Paper Trails of your Credit Card Number
• Signing of Blank Receipts
• Never Make Credit Card Information Public
• Double-Check Your Online Transactions
• Immediate Reporting of Lost or Stolen Card
• Review the Billing Statement
• Making Strong Passwords

A balance transfer is as the name suggests. It allows you to transfer your remaining outstanding balance to another bank at a much lower, or sometimes even 0% interest rate over a fixed period of time, which is often offered by banks to new customers. Of course, there may be processing fees involved which would impact the EIR, but if you make your repayments on time on the new card, you can avoid traditional credit card interest rates. Taking on a balance transfer plan on a credit card essentially buys you more time to pay off the loans without worrying about paying high interest.

Balance transfer plans are often offered in 3, 6, or 12-month repayment periods, and require you to pay a minimum amount (about 2.5 or 3% of your remaining outstanding balance) each month. At Standard Chartered Bank, this amount can be as low as 1%. In the final month of the balance transfer loan period, you are expected to pay off the remaining amount in full.

A virtual credit card is an electronic card which can be created using the bank’s net banking facility, by providing one’s credit card details. A virtual credit card is safe and secure for all online transactions. You can simply save the card details on your smartphone and use it from anywhere without any hassle.

A CVV is the three-digit number on your card that adds an extra layer of security when making purchases online or over the phone.

Debit cards allow bank customers to spend money by drawing on funds they have deposited at the bank. Credit cards allow consumers to borrow money from the card issuer up to a certain limit in order to purchase items or withdraw cash.

1. Login to the SC Mobile App
2. Select “Service Requests”
3. Go to “Card Management”
4. Select “Report Lost/Stolen Credit Card”
5. Enter “Reason to Block” and select the card to be blocked
6. If replacing, input the address that new card will be delivered to