You can apply online and get an instant in-principle decision in minutes. A Bank representative will get in touch with you once you have submitted your application online successfully to complete the documentation requirement. You can expect to get your credit card, subject to final Policy and verification checks of the Bank, within 7-15 days from the time you submit your documents and signed application form, although it may take longer in some cases.

The credit limit will depend on various factors like your income, credit history, etc. Your credit limit is not a permanent figure and can be increased or lowered at a later date depending on your spends and repayment behaviour.

Yes, you can apply for an add-on card. There won't be a separate credit limit for the add-on card.

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

The minimum amount due every month shall be higher of the following (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 Re 250.

All overseas transactions are levied with a 3.5% transaction fee.

The Monthly interest rate is annualized to arrive at the Annualized Percentage Rate (APR). Monthly interest rate of 3.49% pm is annualized to arrive at an APR of 41.88% for all credit cards. However for all Priority Visa Infinite, Ultimate and Emirates World credit cards, the monthly interest rate is 3.10% pm (APR of 37.20%). For all instant credit card variants, the monthly interest rate is 1.99% pm (APR of 23.88%). Cash transactions will attract an interest rate of 3.49% (APR of 41.88%).

1) Online banking. 2) Bill Desk: From different bank accounts directly to your Card account.Visit https://www.sc.com/in/_documents/ billpay/billpay.html 3) NEFT / IBFT: From your bank account directly to your Card account by quoting the IFSC code SCBL0036001 and the address as MG Road, Mumbai. 4) Visa Money Transfer: In case of Visa franchisee credit cards, pay through your bank account using Visa Money Transfer. Fees for Visa Money Transfer may belevied by the initiating bank. Standard Chartered Online Banking:Standard Chartered account holders can pay through an account transfer. 5) ECS: Electronic Clearing Service (ECS) instruction can be initiated by submitting an ECS form authorizing transfer of funds. The ECS form needs to be attested by the bank from which the payment has to be made. Payments can be made through ECS in New Delhi, Kolkata, Mumbai,Ahmedabad, Pune, Coimbatore, Chennai,Hyderabad and Bangalore. You are responsible for ensuring that the ECS is honoured. 6) Cheque/Draft Payment: Dropping a cheque or a draft in favour of your Standard Chartered Bank Card no. xxxx xxxx xxxx xxxx (your 16 digit Card number) into any of our Cheque Collection Boxes. Visit www.sc.com/in for the complete list of the locations of Cheque Collection Boxes. The cheque or draft should be complete in all respects. Any material alteration must be duly counter signed. Make your payments at least 3 days in advance of your Payment Due Date to facilitate the timely credit of the funds into your Card account. Note that your credit limit will only be increased by the amount you have repaid after our receipt of your funds. In case we do not receive payment by the Payment Due Date, we reserve the right to levy Interest and Late Payment Charges. If you hold multiple Cards or EMI accounts with us, please give us clear instructions on the allocation of payment to these various Card accounts on the reverse of your cheques. If you are issuing separate cheques for each Card account, then, you should clearly specify Not to allocate on the reverse of the cheque. In the absence of any specific information on this front, we will apply the funds first towards clearance of the Minimum Amount Due in respect of all Card accounts you hold with us. Thereafter, the excess payment will be allocated sequentially towards payment of the Card account with highest balance. If any of your Card account is overdue, we reserve the right to prioritize payments to overdue accounts first as per our internal policy. For Cash payments, funds transfer and payment through Online banking, individual payment should be made against each of the accounts. 7) Cash: Cash payments can only be deposited at our branches using teller facilities.

You must notify us immediately if you become aware that your Credit Card has been lost,stolen or misused. Ahmedabad, Bangalore, Chennai, Delhi,Hyderabad, Kolkata, Mumbai, Pune- 3940 4444 / 6601 4444 Allahabad, Amritsar, Bhopal, Bhubaneswar,Chandigarh, Cochin / Ernakulam,Coimbatore, Indore, Jaipur, Jalandhar, Kanpur, Lucknow, Ludhiana, Nagpur, Patna, Rajkot, Surat, Vadodara - 3940 444 / 6601 444 Gurgaon, Noida -011 - 39404444 / 011 - 66014444 Jalgaon, Guwahati, Cuttack, Mysore,Thiruvananthpuram, Vishakhapatnam, Mathura, Proddatur, Dehradun, Saharanpur -1800 345 1000 Siliguri -1800 345 5000

You must notify us immediately if you become aware that your Card has been lost,stolen or misused. Ahmedabad, Bangalore, Chennai, Delhi,Hyderabad, Kolkata, Mumbai, Pune- 3940 4444 / 6601 4444 Allahabad, Amritsar, Bhopal, Bhubaneswar,Chandigarh, Cochin / Ernakulam,Coimbatore, Indore, Jaipur, Jalandhar, Kanpur, Lucknow, Ludhiana, Nagpur, Patna, Rajkot, Surat, Vadodara - 3940 444 / 6601 444 Gurgaon, Noida -011 - 39404444 / 011 - 66014444 Jalgaon, Guwahati, Cuttack, Mysore,Thiruvananthpuram, Vishakhapatnam, Mathura, Proddatur, Dehradun, Saharanpur -1800 345 1000 Siliguri -1800 345 5000