Standard Chartered Credit Card Payments through UPI

Last Updated : May 22, 2025, 4:01 p.m.

In today’s digital age, convenience and security are paramount when it comes to managing finances. Among the many tools available, the Unified Payments Interface (UPI) stands out as a popular method for handling transactions across India. However, when it comes to Standard Chartered Credit Card Payments through UPI, there are important limitations users need to be aware of. Let us now read in detail about the current status, alternatives, and best practices for making credit card bill payments efficiently while maintaining a strong CIBIL score.

Standard Chartered Credit Card Payments through UPI? Is it Possible?

As of May 2025, Standard Chartered Bank does not support credit card payments through UPI, including apps such as Google Pay, PhonePe, CRED, Amazon Pay, and Paytm. This policy, in place since August 2024, was reportedly implemented to enhance transaction security and maintain tighter control over payment gateways.

Why the Restriction?

UPI was founded and developed by the National Payments Corporation of India (NPCI). It is known for its real-time, seamless transfers. However, Standard Chartered no longer supports credit card bill payments via UPI. This is due to:

• Regulatory requirements
  
• Internal risk mitigation policies
  
• Preference for secure, proprietary platforms

Despite this limitation, the bank offers robust alternatives to ensure smooth and timely credit card payments.

Alternative Payment Methods for Standard Chartered Credit Cards

If you're looking for secure, efficient, and reliable alternatives to UPI, Standard Chartered Bank offers the following options:

1. Online Banking

Description: Use Standard Chartered's official internet banking portal to manage credit card payments conveniently.

How to Pay:

• Access the Standard Chartered Online Banking portal.
  
• Navigate to the " Credit Cards " section.
  
• Enter the payment amount and confirm using OTP authentication.

Benefits:

• 24/7 accessibility
  
• High-level security with encryption and OTP
  
• Flexibility to pay full or minimum due amounts

2. BillDesk Payment Gateway

Description: A trusted third-party platform that facilitates credit card bill payments from any bank account.

How to Pay:

• Navigate to the BillDesk portal for Standard Chartered @ https://www.billdesk.com/web/
  
• Key in your 16-digit credit card number and payment details.
  
• Choose a payment method (net banking or debit card) and complete the transaction.

Benefits:

• Cross-bank compatibility
  
• Secure and quick processing
  
• No need to log into Standard Chartered directly

3. NEFT / IMPS (IBFT)

Description: Transfer funds directly from any bank account to your credit card using NEFT or Immediate Payment Service (IMPS).

How to Pay:

• Access your bank’s net banking or mobile app.
  
• Add your Standard Chartered credit card as a beneficiary:
  
  • IFSC Code: SCBL0036001
    
  • Bank Address: MG Road, Mumbai
    
  • Beneficiary Account: 16-digit credit card number
    
• Initiate the transfer and authenticate the payment.

Benefits:

• Ideal for users with multiple bank accounts
  
• Manual control over payments
  
• Trusted and widely accepted system

Comparative Table of Payment Methods

Why Timely Credit Card Bill Payments Matter?

Paying your credit card bills on time is not just about avoiding late fees—it directly influences your CIBIL score , a crucial metric for creditworthiness in India.

Benefits of Timely Payments

• Higher CIBIL Score: On-time payments improve your score, boosting your chances for loan and credit card approvals.
  
• Avoid Late Fees: Standard Chartered levies late fees in the range of Rs.100–Rs. 700 based on the outstanding balance.
  
• Save on Interest: Timely payments help avoid high-interest charges (up to 3% per month on the outstanding balance).

Consequences of Missed Payments

• Drop in CIBIL Score: A single missed payment can reduce your score by up to 100 points.
  
• Financial Burden: Interest and late fees can compound quickly, especially if only the minimum due is paid.
  
• Long-Term Damage: Defaults stay on your credit report for up to 7 years, affecting future financial opportunities.

Tips for Managing Standard Chartered Credit Card Payments

To ensure timely payments and protect your credit health:

• Set Reminders: Use mobile apps or calendar alerts to track due dates.
  
• Enable Auto-Pay: If available, enroll in auto-debit through online banking.
  
• Review Statements: Monitor your spending and statements each month.
  
• Plan a Budget: Allocate funds for credit card payments in your monthly budget.

How Does Standard Chartered Compare to Other Banks?

While banks like HDFC and ICICI allow UPI-based credit card bill payments, Standard Chartered continues to limit payments to its own or third-party gateways like BillDesk. This approach may enhance data security and transaction traceability, though it may seem restrictive to users accustomed to UPI.

For instance:

• HDFC and ICICI allow UPI credit card payments up to ₹5,000/month.
  
• Standard Chartered restricts all UPI-related payments but offers secure alternatives.

Final Thoughts

Although Standard Chartered Credit Card Payments through UPI are currently not supported, the bank provides secure and efficient alternatives like online banking, BillDesk, and NEFT/IMPS. By using these options wisely, you can avoid penalties, protect your CIBIL score, and maintain financial discipline.

Remember: A strong payment track record not only saves you money but also positions you for better financial products in the future.

For the latest updates on accepted payment methods, visit the Standard Chartered Bank website or contact customer care directly.