Standard Chartered Credit Card

Standard Chartered Bank, India, is a subsidiary of the London-based Standard Chartered Bank. Formed in 1969 from the merger of two international banks – The Chartered Bank of India, Australia, and China, and Standard Bank of British South Africa. The Chartered Bank, founded in 1853, had operated in India since 1858. Today, Standard Chartered Bank boasts the largest foreign bank branch network and employee base in the country. Citizens nationwide rely on Standard Chartered credit cards, appreciating their features and benefits.

Features and Benefits of Standard Chartered Credit Card

Standard Chartered credit cards offer a range of features and benefits:

  1. Rewards Programs: Earn reward points on every transaction for discounts, vouchers, or cashback.
  2. Cashback Offers: Get cashback on various spending categories, like dining, groceries, or fuel.
  3. Travel Perks: Enjoy travel-related benefits such as airport lounge access, air miles, and travel insurance.
  4. Fuel Surcharge Waiver: Save on fuel costs with discounts or surcharge waivers at fuel stations.
  5. Interest-Free Period: A grace period for interest-free purchases when you pay your bill in full.
  6. EMI Options: Convert large purchases into affordable EMIs for easy repayment.
  7. Contactless Payments: Convenient and secure contactless card payments.
  8. Online Account Management: Easily monitor your transactions and pay bills online.
  9. Global Acceptance: Use your card worldwide, with international validity.
  10. Balance Transfer: Transfer high-interest balances from other cards for lower rates.
  11. Emergency Assistance: 24/7 customer support and card replacement services.
  12. Special Discounts: Access exclusive discounts at partner merchants.
  13. Credit Limit Increase: Based on your creditworthiness, you may receive limit enhancements.
  14. Credit Score Improvement: Responsible card usage can boost your credit score.
  15. No Annual Fee: Some cards offer no annual fee or waive it based on spending.

Standard Chartered Credit Card Fees and Charges

Here are the annual fees and renewal conditions for various Standard Chartered credit cards:

1. Standard Chartered Ultimate Credit Card

  • Annual Fee: Rs. 5,000
  • Renewal Fee: Rs. 5,000

2. Standard Chartered EaseMyTrip Credit Card

  • Annual Fee: Rs. 350
  • Renewal Fee: Rs. 350
  • Renewal fee waived on spending Rs. 50,000+ in the previous year.

3. Standard Chartered Emirates World Credit Card

  • Annual Fee: Rs. 3,000
  • Renewal Fee: Rs. 3,000

4. Standard Chartered Priority Visa Infinite Credit Card

  • Annual Fee: Nil
  • Renewal Fee: Nil
  • N/A (No renewal fee)

5. Standard Chartered Manhattan Credit Card

  • Annual Fee: Rs. 999
  • Renewal Fee: Rs. 999
  • Renewal fee waived on spending Rs. 1,20,000+ in the previous year.

6. Standard Chartered DigiSmart Credit Card

  • Monthly Fee: Rs. 49
  • Renewal Fee: Rs. 49
  • Monthly fee waived on monthly spend of Rs. 5,000+ in the previous month.

7. Standard Chartered Platinum Rewards Credit Card

  • Annual Fee: Rs. 250
  • Renewal Fee: Rs. 250
  • Renewal fee waived on annual spends of Rs. 60,000+ in the previous year.

8. Standard Chartered Super Value Titanium Credit Card

  • Annual Fee: Rs. 750
  • Renewal Fee: Rs. 750
  • Annual fee waived on expenditure of Rs. 90,000+ in the previous year.

Standard Chartered Credit Card Eligibility Criteria

The eligibility criteria for a Standard Chartered credit card may vary depending on the specific card variant and the region or country where you’re applying. However, here are some common eligibility requirements:

  1. Age: Typically, the primary cardholder should be at least 21 years old. The age limit may vary for supplementary cardholders.
  2. Income: You’ll need to meet a minimum income requirement to qualify for certain card variants. This requirement varies by card type and location.
  3. Creditworthiness: A good credit history and credit score are essential. A higher credit score increases your chances of approval.
  4. Residency: You may need to be a resident or citizen of the country where you’re applying for the credit card.
  5. Employment: Many credit cards require you to be employed with a stable income source. Self-employed individuals may need to provide additional documentation.
  6. Documentation: You’ll need to submit documents such as ID proof, address proof, income proof, and sometimes bank statements during the application process.
  7. Existing Debt: Your existing debts and financial obligations, such as loans or outstanding credit card balances, may be considered.
  8. Legal Requirements: You must meet all legal requirements and not be involved in any criminal activities that could affect your eligibility.

Documents Required for Standard Chartered Credit Card

When applying for a Standard Chartered credit card, you typically need to provide the following documents:

1. Proof of Identity (Any one of the following):

  • Passport
  • Aadhaar card
  • Driver’s License
  • Voter ID card
  • PAN card

2. Proof of Address (Any one of the following):

  • Aadhaar card
  • Utility bill (electricity, water, gas, or landline phone) in your name
  • Passport
  • Driver’s License
  • Rent agreement (if you are residing in a rented property)

3. Proof of Income (Any one or more of the following):

  • Salary slips (for salaried individuals)
  • Income tax returns
  • Bank statements
  • Form 16 (for salaried individuals)
  • Business financial statements (for self-employed individuals)

4. Passport-size Photographs: Typically, 2 to 4 recent passport-sized color photographs.

5. Application Form: Complete the credit card application form provided by Standard Chartered. This form is available online or at the bank’s branch.

6. Additional Documents: Depending on the specific credit card and your financial situation, the bank may request additional documents, such as a letter of employment, business ownership proof, or income proof for supplementary cardholders.

How To Apply for Standard Chartered Credit Card?

  1. Visit the official Standard Chartered Bank website.
  2. Navigate to ‘Credit Cards’ under ‘Our Products’.
  3. Select from Reward, Cashback, or Travel credit card options.
  4. Submit your credit card application.
  5. Bank representative will confirm approval.
  6. Upload required documents if needed.
  7. Application undergoes policy and verification checks.
  8. Once approved, expect your card in 7-15 days.

List of Standard Chartered Credit Card

Standard Chartered Bank offers a range of credit cards, and the availability of specific cards may vary by location. Here is a list of some of the credit cards that Standard Chartered has offered in the past or may offer, but keep in mind that their card offerings can change over time:

  1. Standard Chartered Ultimate Credit Card
  2. Standard Chartered EaseMyTrip Credit Card
  3. Standard Chartered Emirates World Credit Card
  4. Standard Chartered Priority Visa Infinite Credit Card
  5. Standard Chartered Manhattan Credit Card
  6. Standard Chartered DigiSmart Credit Card
  7. Standard Chartered Platinum Rewards Credit Card
  8. Standard Chartered Super Value Titanium Credit Card
  9. Standard Chartered Landmark Rewards Platinum Credit Card
  10. Standard Chartered Yatra Platinum Credit Card
  11. Standard Chartered Visa Infinite Credit Card
  12. Standard Chartered Breeze Credit Card
  13. Standard Chartered Inner Circle Credit Card
  14. Standard Chartered Good Life Credit Card
  15. Standard Chartered Visa Platinum Credit Card
  16. Standard Chartered Inner Circle Platinum Credit Card
  17. Standard Chartered Super Value Credit Card
  18. Standard Chartered Good Life Platinum Credit Card
  19. Standard Chartered Bank Corporate Credit Cards (for corporate clients)