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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. Presently, Standard Chartered Bank holds the distinction of possessing the most extensive network of foreign bank branches and employees within the country. Throughout the nation, citizens place their trust in Standard Chartered credit cards, acknowledging and valuing the array of features and advantages they offer.

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: Experience the perks of travel, including access to airport lounges, earning air miles, and securing travel insurance coverage.
  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: Effortless and protected transactions using contactless cards.
  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: Round-the-clock assistance for customers and card replacement services are available without any repetition.
  12. Special Discounts: Access exclusive discounts at partner merchants.
  13. Credit Limit Increase: Depending on your creditworthiness, you might qualify for increases in your credit limit.
  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

Below are the yearly charges and terms for renewing different 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. The Super Value Titanium Credit Card by Standard Chartered

  • 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 conditions to qualify for a Standard Chartered credit card can differ based on the type of card and the location of your application. Nonetheless, certain general criteria typically apply:

  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: Maintaining a positive credit history and a solid credit score is crucial. A better credit score heightens the likelihood of being approved for various financial opportunities.
  4. Residency: To get a credit card in a particular country, you typically must be a legal resident or citizen of that country.
  5. Employment: Many credit cards require you to be employed with a stable income source. Self-employed individuals might be required to furnish extra paperwork.
  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: To qualify, ensure you meet all legal prerequisites and maintain a clean record, free from any criminal involvement that might impact your eligibility.

Documents Required for Standard Chartered Credit Card

To complete your application for a Standard Chartered credit card, you’ll usually be asked to furnish 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

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: Fill out the Standard Chartered credit card application form, accessible either online or at any of the bank’s branches.

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. After your approval, anticipate receiving your card within a span of 7 to 15 days.

List of Standard Chartered Credit Card

Standard Chartered Bank provides a selection of credit cards, and the assortment of available cards can differ depending on the 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)