Standard Chartered Bank Credit Card Payments through ATMs

Last Updated : May 22, 2025, 2:59 p.m.

Managing your credit card payments efficiently is crucial for maintaining a healthy financial profile. Standard Chartered Bank offers various methods to settle your credit card dues, ensuring flexibility and convenience. While ATM payments are a common practice for cash withdrawals, it's important to note that the bank does not support Standard Chartered Bank Credit Card Payments through ATMs directly. However, the bank provides several alternative payment options that are secure, timely, and user-friendly.

Understanding Standard Chartered Bank Credit Card Payment Options

Standard Chartered Bank offers multiple channels for credit card bill payments, each designed to cater to different customer preferences:

1. Online Banking and Mobile App

Cardholders can log in to their Standard Chartered online banking account or use the SC Mobile app to make payments. These platforms allow you to pay your credit card bills directly from your bank account, ensuring a seamless transaction experience.

2. NEFT (National Electronic Funds Transfer)

You can transfer funds from your account in another bank to your Standard Chartered credit card via NEFT. To do this, add your credit card as a beneficiary with the following details:

• Bank Name : Standard Chartered Bank
  
• Account Number : Your 16-digit credit card number
  
• IFSC Code : SCBL0036001
  
• Branch Address : MG Road, Mumbai

Ensure that the transaction is initiated during NEFT working hours to facilitate timely processing.

3. BillDesk

Standard Chartered Bank partners with BillDesk to provide an online payment gateway. Through this platform, you can pay your credit card bills using various methods, including net banking, debit cards, and UPI. This option is accessible to both Standard Chartered account holders and customers of other banks.

4. Cheque or Demand Draft

You can make payments by dropping a cheque or demand draft in favor of your credit card number into any Standard Chartered Bank cheque collection box. Ensure that the cheque is properly filled out to avoid delays.

5. Cash Payments at Branches

Cash payments can be made at Standard Chartered Bank branches using teller facilities. Fill out a cash deposit slip with the required details and deposit the cash at the teller counter. A receipt will be provided as confirmation.

Important Considerations

• Third-Party Payment Platforms : As of recent updates, Standard Chartered Bank has limited support for credit card payments through third-party platforms such as CRED, Paytm, and Google Pay. This change aligns with the bank's transition to the Bharat Bill Payment System (BBPS). Therefore, it's recommended to use the bank's official channels for credit card bill payments .
  
• Payment Processing Times : Diverse payment methods have varying processing times. For example, NEFT transactions may take up to 2 working days to reflect in your credit card account. It's essential to plan your payments accordingly to avoid late fees.
  
• CIBIL Score Impact : Timely payment of your credit card bills is important for maintaining a good CIBIL score . Late payments can negatively impact your credit score, affecting your ability to secure loans and credit in the future.

Tips for Efficient Credit Card Bill Payments

• Set Up Auto-Debit : Consider setting up an auto-debit instruction to ensure timely payments. You can choose to pay the minimum due amount or the full outstanding balance. This helps in avoiding late fees and maintaining a good credit history.

• Monitor Payment Confirmation : After making a payment, ensure that you receive a confirmation SMS or email. This serves as proof of payment and can be useful in case of any discrepancies.
  
• Avoid Using ATMs for Payments : Since Standard Chartered Bank credit card payments through ATMs are not supported by the bank, refrain from attempting to use this method. Instead, utilize the available online and offline payment options for a smooth transaction experience.

Conclusion

While Standard Chartered Bank Credit Card Payments through ATMs are not facilitated by the bank, it offers a range of secure and convenient alternatives. By utilizing online banking, NEFT, BillDesk, cheque payments, or cash deposits at branches, you can manage your credit card dues effectively. Ensure that timely payments can maintain a healthy credit score and avoid unnecessary fees.