Standard Chartered Bank Credit Cards
Standard Chartered Bank, a British multinational banking and financial services company. It was formed in 1969 through the merger of two banks: the Standard Bank of British South Africa and the Chartered Bank of India, Australia, and China. The Standard Bank was established in 1862 and played a significant role in financing the development of the diamond fields in Kimberley and later the gold fields in Johannesburg. Today, Standard Chartered stands as a testament to the vision of its founders, with a footprint that stretches across Asia, Africa, and the Middle East, where it derives around 90% of its profits. The bank is known for its extensive range of credit cards, which are designed to cater to various lifestyles and spending habits. Its credit cards are reputed for their travel and dining benefits, loyalty points, and rewards for every online purchase, including entertainment and shopping. Standard Chartered's credit cards are considered some of the best in India, offering a reward value of up to 3.33% on all spends. The bank's commitment to innovation and client service has enabled it to meet the ever-changing needs of its customers, from personal banking to multinational corporations.
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Welcome Benefits
8.65% p.a
Interest Rate
Standard Chartered EaseMyTrip Credit Card
Reward System: 20% flat discount on domestic & international hotel bookings(Capped at INR 5000 and Rs 10000 respectively). 10% flat off on domestic & international flight bookings (capped at INR 1000 and INR 5000 respectively). Get 10 reward points on every INR 100 spent on booking standalone hotel and airline websites/apps/outlets. Value of 1 reward point = INR 0.25. Travel cashback rate = 2.5%. Get 2 reward points on all other spends. General cashback rate: 0.5%.
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Welcome Benefits
3.75% p.m. (45% p.a.)
Interest Rate
Standard Chartered Rewards Credit Card
4 reward points* per INR 150 on all Retail spends (except Government, Insurance and Fuel categories)
Additional 4 reward points per INR 150 on monthly Retail spends* above INR 20,000 (max. 2000 bonus reward points per statement cycle)
1 reward point on every INR 150 spent on Government and Insurance categories
Value of 1 RP= 0.67 INR (1 point = 1.5 miles, redeemable for flights at 0.45 INR/mile).
Effective Cashback Rate: 0.5% to 1%
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Welcome Benefits
3.75% pm (APR of 45%)
Interest Rate
Standard Chartered Platinum Rewards Credit Card
Reward System: Get 5 reward points on spending INR 150 on fuel and dining. Value of 1 reward points = INR 0.25. Dining and fuel cashback rate = 0.83%. Ger 1 reward point on spending INR 150 on all other categories. Effective general cashback rate = 0.17%.
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Welcome Benefits
3.75% per month (45% per annum)
Interest Rate
Top 5 Credit Cards Of Standard Chartered
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Joining Fees: Nil for primary card & add-on cardholder
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Inerest Rate: 3.75% per month (45% per annum)
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Welcome Benefit: None
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Special Feature: No cap on reward points.
The Standard Chartered Platinum Rewards Credit Card is a financial product designed to offer value through rewards and benefits, particularly in the categories of dining and fuel. Cardholders can earn 5 reward points for every INR 150 spent on dining and fuel purchases, with no monthly cap on the rewards earned. For all other categories, 1 reward point is earned per INR 150 spent. The card also offers the convenience of contactless payments and secure online transactions, along with supplementary cards for family members. It is positioned as a lifetime free card, provided a minimum spend threshold is met within a specified period from card issuance. Additionally, the card provides digital payment solutions and the ability to convert outstanding balances into EMIs, making it a versatile option for managing finances.
Standard Chartered Platinum Rewards Credit Card
Standard Chartered EaseMyTrip Credit Card
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Joining Fees: INR 350+GST for First Year.
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Interest Rate: 3.75% per month (45% per annum)
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Welcome Benefit: None
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Special Feature: 20% flat discount on domestic & international hotel bookings
The Standard Chartered EaseMyTrip credit card is designed for travelers, offering a range of benefits that make it an attractive option for those who frequently book flights and hotels. Cardholders can enjoy significant discounts on travel bookings made through the EaseMyTrip website or app, including a flat 20% discount on hotel bookings and a 10% discount on flight bookings. Additionally, the card offers 10x rewards points on every ₹100 spent on standalone hotel and airline websites or apps, as well as 2x reward points on all other retail spends. The card also provides complimentary lounge access, with one domestic lounge visit per calendar quarter and two international lounge visits per year. An annual fee waiver is available for those who spend ₹50,000 or more in the previous year. With enhanced security features for online transactions and a variety of digital payment solutions, the Standard Chartered EaseMyTrip credit card is a smart choice for modern travelers seeking convenience and savings.
Standard Chartered Super Value Titanium Credit Card
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Joining Fees: INR 499+GST
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Interest Rate: 3.75% per month (45% per annum)
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Welcome Benefit: None
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Special Feature: None
The Standard Chartered Super Value Titanium Credit Card is designed to offer significant savings on routine expenses. Cardholders can enjoy a 5% cashback on fuel, telephone, and utility bills, which is particularly beneficial for those who frequently incur these costs. The card also rewards users with 1 reward point per ₹150 spent on other purchases. Additional benefits include a complimentary Priority Pass membership for Premium Banking Customers, contactless payment options, secure online transactions, and a suite of digital payment solutions. Moreover, cardholders can convert large transactions into easy EMIs and enjoy the flexibility of the bank's 360° rewards program. With these features, the Super Value Titanium Credit Card stands out as a practical choice for managing daily expenses and optimizing savings.
Standard Chartered Ultimate Credit Card
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Joining Fees: INR 5000 + GST
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Interest Rate: 3.75% per month (45% per annum)
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Welcome Benefit: None
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Special Feature: 2% Foreign currency Mark-up fees (3.5% charged at the time of transaction and 1.5% cashback within 60 days).
The Standard Chartered Ultimate credit card is designed to offer a range of benefits and rewards to its users. With this card, members can earn reward points on every purchase, which are redeemable against a variety of options such as travel, shopping, and more. The card provides access to over 1000 airport lounges worldwide, along with a reduced foreign currency markup fee, making it an ideal choice for frequent travelers. Additionally, cardholders can enjoy lifestyle benefits like complimentary access to premier golf courses. The Ultimate credit card also offers features like contactless payments, secure online transactions, and a suite of digital payment solutions. Supplementary credit cards are available for family members, extending the benefits further. For larger purchases, the card's 'Kuch Bhi on EMI' feature allows conversion of high-value transactions into easy EMIs, providing flexibility and convenience. With its comprehensive suite of features and rewards, the Standard Chartered Ultimate credit card aims to enhance the banking experience and complement the lifestyle of its users.
Standard Chartered Smart Credit Card
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Joining Fees: INR 499+GST
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Interest Rate: 3.75% per month (45% per annum)
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Welcome Benefit: None
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Special Feature: Extended interest-free credit period for the first 90 days
The Standard Chartered Smart Credit Card offers a range of benefits designed for the savvy spender. With this card, users can enjoy cashback rewards, with 2% cashback on online spends and 1% on other spends, subject to terms and conditions. The card also features an attractive interest rate on 3-month EMI plans at 0.99% per month with no processing fee, allowing for easier management of large purchases. Additionally, cardholders can benefit from an extended interest-free credit period for the first 90 days post-issuance by paying only the minimum amount due. Supplementary cards, contactless payments, secure online transactions, and a suite of digital payment solutions further enhance the user experience. For those looking to maximize their rewards, the card offers the 'Kuch Bhi on EMI' option, converting spends over ₹2,000 into EMIs, and the 360° Rewards program for redeeming points against an online catalogue. Eligibility criteria, fees, and charges apply.
Welcome Benefits
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Standard Chartered Ultimate Credit Card: None.
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Standard Chartered Super Value Titanium Credit Card: None.
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Standard Chartered Rewards Credit Card: None.
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Standard Chartered Smart Credit Card: None.
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Standard Chartered EaseMyTrip Credit Card: None.
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Standard Chartered Platinum Rewards Credit Card: None.
Annual Fee
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Standard Chartered Ultimate Credit Card: Lifetime Free Credit Card.
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Standard Chartered Super Value Titanium Credit Card: Annual Fees: INR 499 + GST waived as a Special Offer (Not applicable for existing SCB credit card holders).
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Standard Chartered Rewards Credit Card: Lifetime Free Credit Card.
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Standard Chartered Smart Credit Card: Annual Fees: INR 499 + GST waived as a Special Offer (Not applicable for existing SCB credit card holders).
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Standard Chartered EaseMyTrip Credit Card: 350 INR + GST for the first year. 350 INR + GST renewal fee from the second year onwards. However, the renewal fee gets waived if you spend Rs. 50,000 or more on the card in the previous year.
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Standard Chartered Platinum Rewards Credit Card: Lifetime Free Credit Card.
Rewards System
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Standard Chartered Ultimate Credit Card: Customers can Earn 5 reward points per INR 150 spent. 1 RP =INR 1. Effective Cashback Rate: 5%.
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Standard Chartered Super Value Titanium Credit Card: Get 2%cashback on your Online spending, up to a maximum of Rs 1000 per month, and 1% cashback on your other spending, up to a maximum of Rs 500 per month.
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Standard Chartered Rewards Credit Card: Get 4 rewards on all retail spends per INR 150 spent on credit card. Value of 1 reward point = INR 0.30. Cashback percentage 0.8%. Additionally, 4 reward points per INR 150 on monthly retail spend above INR 20,000 (max. 2000 bonus reward points per statement cycle). 1 reward point for every INR 150 spent on Government and Insurance categories. Govt cashback rate: INR 0.3%.
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Standard Chartered Smart Credit Card: 2% cashback flat on online spends. 1% cashback on all other spends.
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Standard Chartered EaseMyTrip Credit Card: 20% flat discount on domestic & international hotel bookings(Capped at INR 5000 and Rs 10000 respectively). 10% flat off on domestic & international flight bookings (capped at INR 1000 and INR 5000 respectively). Get 10 reward points on every INR 100 spent on booking standalone hotel and airline websites/apps/outlets. Value of 1 reward point = INR 0.25. Travel cashback rate = 2.5%. Get 2 reward points on all other spends. General cashback rate: 0.5%.
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Standard Chartered Platinum Rewards Credit Card: Get 5 reward points on spending INR 150 on fuel and dining. Value of 1 reward points = INR 0.25. Dining and fuel cashback rate = 0.83%. Ger 1 reward point on spending INR 150 on all other categories. Effective general cashback rate = 0.17%.
How To Apply For Standard Chartered Credit Cards
Activating the Standard Chartered Credit Card: A Step-by-Step Guide.
Online Activation:
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Access Online Banking or SC Mobile App: Begin by logging into your Standard Chartered Online Banking or the SC Mobile app. If you haven't registered for online banking, you'll need to create an account first.
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Navigate to Help & Services: Once logged in, go to the 'Help & Services' section. On the SC Mobile app, you can find this by tapping on the Profile icon.
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Select Card Activation & PIN Set: Choose the 'Credit Card Activation & PIN Set' option to proceed with the activation.
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Follow On-Screen Instructions: The system will guide you through the necessary steps, which will include entering your credit card details and setting up a PIN for your card.
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Confirmation: After completing the steps, your card will be activated immediately, and you can start using it for transactions.
SMS Activation
For those who prefer activating their card via SMS, the process is just as simple.
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Send an Activation SMS: Compose an SMS with the format: ACT<space>name on card<space>last four digits of your card number. For example, if your name is John Doe and the last four digits are 1234, you would send "ACT John Doe 1234".
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Send to the Designated Number: Send this message to 75722. If you're overseas or using an international phone number, send it to +65 9617 6495 instead.
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By following these steps, you can easily activate your Standard Chartered Credit Card and enjoy the various services and benefits it offers.
Eligibility Criteria for RBL Bank Credit Cards
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Age: Salaried individuals: 18 - 62 years old Self-employed individuals: 18 - 67 years old
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Minimum age for add-on cardholder: 18 years old.
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Income: You should have a stable monthly income. The minimum income requirement will vary depending on the specific credit card you're applying for. Standard Chartered doesn't advertise this information publicly, so the best way to find out is to pre-qualify for a card on their website.
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Location: You must reside in one of Standard Chartered's credit card sourcing cities/locations in India.
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Creditworthiness: All applications are subject to the bank's credit checks and other policy checks. This means your credit history will be a major factor in whether or not your application is approved.
Other Fee And Charges
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Interest Rates: 3.49% p.m., 41.88% p.a.
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Cash Advance Charges: 3% of cash withdrawal amount subject to a minimum of ` 300
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Late Payment Charges: INR 100 for a statement outstanding balance less than or equal to INR 500. INR 350 for a statement outstanding balance between INR 501 and INR 2,000. INR 500 for a statement outstanding balance between INR 2,001 and INR 4,000. INR 700 for the statement outstanding balance between INR 4,001 and INR 20,000. INR 800 for a statement outstanding balance greater than INR 20,000
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Foreign Currency Mark-up Fees: All overseas transactions are levied with a 3.5% transaction fee.
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Reward Redemption Fees: INR 99+GST.
Standard Chartered's Journey
Standard Chartered Bank, a prominent institution in the financial world, has a rich history that dates back over 150 years. It was formed in 1969 through the merger of two banks: the Standard Bank of British South Africa and the Chartered Bank of India, Australia, and China. These banks capitalized on the expansion of trade between Europe, Asia, and Africa, laying the groundwork for what would become a global banking powerhouse.
The bank's origins can be traced to 1853 when the Chartered Bank of India, Australia, and China was founded by James Wilson following a royal charter granted by Queen Victoria. It established its first branches in Bombay, Calcutta, and Shanghai in 1858, followed by branches in Hong Kong and Singapore in 1859. The Standard Bank was founded in 1862 by John Paterson in the Cape Province of South Africa. Both banks played significant roles in the economic development of the regions they served, with the Chartered Bank issuing banknotes in Hong Kong dollars as early as 1862.
Today, Standard Chartered stands as a testament to the vision of its founders, with a network that stretches across core markets in Asia, Africa, and the Middle East. Despite being headquartered in the United Kingdom, it does not conduct retail banking in the UK, with around 90% of its profits coming from its operations in the aforementioned regions. The bank is listed on several stock exchanges, including the London Stock Exchange, and is considered systemically important by the Financial Stability Board.
When it comes to credit card offerings, Standard Chartered Bank is known for its diverse range of products that cater to various customer needs. The bank's credit cards are reputed for their travel and dining benefits, loyalty points, and rewards for online purchases, including movies and entertainment.
Standard Chartered Bank's storied history and its comprehensive range of credit card products demonstrate its enduring commitment to providing financial solutions that meet the evolving needs of its global clientele. Whether for travel, shopping, or daily expenses, Standard Chartered's credit cards stand as a testament to the bank's dedication to customer satisfaction and financial innovation.
Over the years, RBL Bank has evolved significantly. In 1959, it was categorized as a scheduled commercial bank under the Reserve Bank of India Act, 1934. The 1970s saw the bank receiving its banking license from the Reserve Bank of India (RBI), marking a significant milestone in its journey. A pivotal change occurred in 2010 when Vishwavir Ahuja took over as the managing director and CEO, steering the bank towards modernization and expansion. In 2014, the bank underwent a rebranding, changing its name from Ratnakar Bank to RBL Bank.
As of 2024, RBL Bank has expanded its reach across India with a network that includes a substantial number of branches and ATMs spread over various states and union territories. The bank's services are diversified across multiple verticals, including corporate banking, commercial banking, branch and business banking, retail assets, and treasury and financial markets operations.
In terms of credit card offerings, RBL Bank has established a reputation for providing a range of cards that cater to various consumer needs.
RBL Bank's journey from a regional bank to a significant player in the Indian banking sector is a testament to its resilience and adaptability. Its commitment to innovation and customer service is evident in its history and the credit card worthiness that continues to attract a wide customer base. As the bank moves forward, it remains a solid choice for individuals seeking reliable banking services and competitive credit card options.
Frequently Asked Questions
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What types of credit cards Standard Chartered offer? Standard Chartered offers a variety of credit cards to suit different spending habits and lifestyles. These may include cards for frequent travelers, cashback rewards, shopping enthusiasts, or everyday spending.
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How do I apply for a Standard Chartered credit card?: You can usually apply for a Standard Chartered credit card online through the bank's website or mobile app. You may also be able to apply in person at a branch.
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What are the eligibility criteria for a Standard Chartered credit card? Eligibility criteria can vary depending on the specific card, but generally will include factors like your income, credit score, and employment status.
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What are the fees associated with Standard Chartered credit cards? There may be annual fees, late payment fees, cash advance fees, and foreign transaction fees associated with Standard Chartered credit cards. Be sure to review the specific fees for the card you're interested in.
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How do I earn rewards with a Standard Chartered credit card? Many Standard Chartered credit cards offer rewards programs that allow you to earn points, miles, or cashback on your purchases. The way you earn rewards will vary depending on the card.
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How do I redeem my rewards earned with a Standard Chartered credit card? You can typically redeem your rewards points for travel, statement credits, merchandise, or gift cards. The redemption options will vary depending on the card and rewards program.
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How do I make a payment on my Standard Chartered credit card? You can make payments online through Standard Chartered's online banking or mobile app. You may also be able to set up automatic payments or pay by mail or phone.
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What happens if I miss a payment on my Standard Chartered credit card? Missing a payment will typically result in a late payment fee and may also damage your credit score.
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How do I report a lost or stolen Standard Chartered credit card? Contact Standard Chartered immediately to report a lost or stolen card. They will be able to cancel your card and issue you a new one.
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What if I have questions about my Standard Chartered credit card account? You can contact Standard Chartered customer service by phone or online through their website or mobile app.