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Benefits
Value Chart
Eligibility and documentation
Fees and charges
Product FAQs
FAQs
Benefits
    • Flat 2%* cashback on all online spends (up to Rs 1,000 per month)
    • Flat 1%* cashback on other spends (up to Rs 500 per month). No cashback on fuel spends
  • Extended interest-free credit period for the first 90 days* post credit card issuance by paying only minimum amount due
  • Attractive interest rate of 0.99% per month on converting your eligible transactions into 3-month EMI
Value Chart
Category of Spends Monthly Spends Cashback Earned (Per Month) Annual Cashback (Per Annum)
Online Spends INR 50,000 INR 1,000 INR 12,000
Offline Spends INR 50,000 INR 500 INR 6,000
Total INR 1,00,000 INR 1,500 INR 18,000
For Illustration purposes only, Terms & Conditions apply*
Eligibility and documentation
  • Salaried  Minimum:   18 years;  Maximum:   62 years.   Self Employed  Minimum: 18 years; Maximum: 67 years

    Applicant should have a stable monthly income.

    Applicant should belong to credit cards sourcing cities/locations of the Bank.

    All applications are subject to credit and other policy checks of the Bank.

  • Identity proof

    Address proof

    1 month payslip

  • Identity proof

    Address Proof

    2 year ITR

Fees and charges

Joining Fee - Joining / First Year Fee of INR 499 + GST waived as a Special Offer

Renewal Fee  - INR 499  + GST

Renewal Benefits - Renewal fee reversed on spends greater than INR 120,000 in the previous year

Product FAQs
FAQs
  • How long does it take to apply for a credit card?

    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.

  • What will be my credit limit?

    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.

  • Can I get an Add-on card? And will there be a separate credit limit on the Add-on card?

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

  • What is a grace period?

    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.

  • How is the Minimum Amount Due on the card calculated?

    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.

  • Will I be charged anything extra if I use my credit card overseas?

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

  • How much is the interest charges?

    The monthly interest rate is annualized to arrive at the annualized percentage rate (APR). Monthly interest rate of 3.75% pm is annualized to arrive at an APR of 45% for all Standard Chartered Credit Cards. However, 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 3.75% pm (APR of 45%).

  • How can I make my credit card payment?

    Payment of your Card bills can be done by the following means: 
    •    Online banking

    1.    Bill Desk: From different bank accounts directly to your Card account. Visit https://www.billdesk.com/pgmerc/standardchartered/index1.htm 
    2.    NEFT / IBFT: From your bank account directly to your Card account by quoting the IFSC code SCBL0036001 and the address as MG Road, Mumbai.
    3.    Visa Money Transfer: In case of Visa franchisee credit cards, pay through your bank account using Visa Money Transfer.
    4.    Standard Chartered Online Banking: Standard Chartered account holders can pay through an account transfer.

    •    NACH: 

    NACH (National Automated Clearing House) can be initiated by submitting an NACH form authorizing transfer of funds. This form needs to be attested by the bank from where the payment needs to be made.

    •    Cheque/Draft Payment: 
    Dropping a cheque or a draft in favour of your Standard Chartered Bank Card no. xxxx xxxx xxxx xxxx (your 16 digitCard number) into any of our Cheque Collection Boxes. Visit www.sc.com/in for the complete list of the locations of Cheque Collection Boxes.
    •    Cash: 
    Cash payments can only be deposited at our branches using teller facilities.

    Please refer to the Important Information Document/Most Important Document for more details.

  • How do I report that my credit card has been lost or stolen?

    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

  • If I suspect someone has stolen my password or used it to make a fraudulent purchase, what should I do?

    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

Terms & Conditions

Terms & Conditions

Product Terms and Conditions
Most important terms and conditions
Credit card terms and conditions
Onboarding Terms and Conditions