27,500 bonus skywards rewards await with Standard Chartered Credit Card
Rewards on online & offline spends add appeal to SCB cards
The Standard Chartered Bank has a lot of credit cards that bring various deals for their customer. But if you are not one of them then you must apply for the Standard Chartered Credit Card. There is festive offer for the new applicants to enjoy an extra benefits on the Standard Chartered Cards.
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Standard Chartered Credit Card at a Glance
The Standard Chartered Bank has an elite list of customers having their accounts with the bank. On the other hand, this bank also offers many services to their customers like loans, deposits, credit cards, and many others. Credit Card service is one of the most opted services of the Standard Chartered bank because it comes with savings deals. One can easily apply for the Standard Chartered Credit Card and enjoy various offers on it. You can earn thousands of reward points and enjoy cashback offers on these credit cards. These credit cards give you premium and lavish experiences of airport lounge access, golf games, and comprehensive insurance coverage. Let’s explore types of Standard Chartered Credit Cards and their offers.
Different Types of Standard Chartered Credit Cards
In the table given below, you can see the various credit cards that are offered by Standard Bank and you must also go through their joining and renewal fee.
|Credit Card Name||Rewards & Offers||Joining Fee (In ₹)||Renewal Fee (In ₹)|
|Standard Chartered Platinum Rewards Card||250||250|
|Standard Chartered Manhattan Platinum Credit Card||999||999|
|Standard Chartered DigiSmart Credit Card||No Joining Fee||49 plus taxes (per month)|
|Standard Chartered Priority Visa Infinite Credit Card||NIL||NIL|
How Can You Redeem Reward Points Earned on Standard Chartered Credit Card?
You can redeem the reward points on the website of Standard Chartered itself. The steps are elaborated below.
- Visit the official website of Standard Chartered Bank
- Jump to the Credit Card section
- Go to 360° rewards page
- A list of attractive offers across lifestyle, gadgets, electronics and other categories would appear on the screen
- Choose from the list from which you want to redeem the points earned against
- Redemption may require a specific number of reward points
- If you have the same, you can redeem the points
Standard Chartered Credit Card Limit
Seeking a high credit limit? You must have a healthy income plus a good credit score that represents your creditworthiness, to get a high limit. The CIBIL score is assigned to individuals with a debt servicing track record of at least 6 months to a year. Both income and score give credit card issuers like Standard Chartered Bank a hint of your repayment potential. So, if you are good on these points, don’t be surprised to bag away a higher limit. Even if the limit offered is lower than your expectations, you can get it increased over time by maintaining a timely repayment track.
A greater limit should only make you utilize it better and not go haywire in spends. If you go haywire, chances of payment skip or default will be more. If you do commit that, your repayment history will get worse. A spotless repayment track is increasingly sought by the lenders such as Standard Chartered Bank. The good habit of discretionary spends and paying the bills on time would help you in more ways than one. It would boost your credit record and help you with a smooth approval to any credit application you may make in the future.
How to Apply for Standard Chartered Credit Card Online?
You can visit the website of Wishfin, an online tool to check, compare and choose attractive credit card and other product offers. Choose any of the cards explained above via a WhatsApp Chat, Wishfin Chat or a simple application. Whatever mode you choose, you need to submit relevant personal and professional details. Afterward, the bank will process the application and approve only after the details are verified successfully.
Standard Chartered Credit Card Application Status
You can visit the website of Standard Chartered Bank to check the status of the application. All you need to do is enter the application reference number and mobile number before clicking on ‘Submit’ button. Whatever the status may be, you will get to see that on the screen. Other options to check the status would be to call the customer care executive or the branch official.
Hope the application gets approved as early as possible. However, due to certain discrepancies, the rejection can happen. You could also know the reasons based on which Standard Chartered Bank has rejected your application. If you can make those necessary corrections, do so and apply again.
Standard Chartered Credit Card Payment Online
You must pay the bill on or before the due date to avoid a default. You can pay the dues online by logging on to Internet Banking and registering your card among the list of billers. Either you can use Internet Banking of Standard Chartered Bank or any other bank to pay the dues. You would receive an SMS intimation indicating the total dues, minimum due, due date and other details of a credit card. So, you can arrange the funds in time and pay online.
You can even register for Auto Pay, enabling the payment of dues automatically from your account on or before the due date. Even with an Auto Pay registration, you would receive the SMS before the payment. However, if you are not comfortable paying the bill online, you can visit the branch to make the payment.
Standard Chartered Credit Card Statement
Don’t take your eyes off from a credit card statement as it not only shows the fees and charges incurred on your shopping but also give you a summary of reward points earned at a given point of time. You can redeem these points at select online and offline stores.
The statement, apart from reward points, fees and charges, would also highlight minimum due, total due and the due date of payment. The minimum due, which you see in a statement, is calculated at 5% of the outstanding balance in a billing cycle.
Don’t follow the practice of minimum due payment as it only revolves the credit further and mounts interest on the outstanding balance. If you continue to pay the minimum due and make purchases every month, the bill could rise beyond your capacity to pay the same. This can hamper your credit score. Instead, make sure to pay the total due to avoid interest on the outstanding balance. Paying the entire amount on time boosts your credit score while also adding greatly to your credit history.
Standard Chartered Bank Credit Card Login
With Standard Charted Bank credit cards login, it’s easy for you to know your credit card account better. Yes, you just need to visit the site online and login to your account using the credentials. However, if you are an old customer of the bank, already having the credit cards or if you are a new customer, applying it for the first time, with the help of login facility available online, it is easy and fast for you to go through your account, explore various things and avail any service.
Standard Chartered Credit Card Customer Care Number
Be it the fees & charges or the bill payment, you can know them all by calling the 24×7 customer care executive on 18003451000 or 18003455000. Those residing in Noida and Gurugram, the two premier national capital regions, can dial 011-39404444 or 011-66014444 to resolve their credit card related issues. These executives are adept enough to resolve your queries at the earliest. So, don’t hesitate, just dial and get the matter sorted out.
Standard Chartered Credit Card PIN Generation
It’s a good thing to generate a new credit card PIN after an interval of say 3-6 months. You can change the credit card PIN at the nearest Standard Chartered Bank ATM. Even a call to this number- 0097317531532 would help you generate the PIN. While the ATM option needs you to remember the old PIN, the phone banking process can be executed with or without the old PIN. It is advised not to share your credit card PIN to anyone else, even if they are your dear ones. The losses can be colossal if the card does get used fraudulently.
Frequently Asked Questions
1. How long would it take to get a new Standard Chartered credit card?
Following completion of your application process, you should receive your card within 7 to 15 business days, subject to verification and approval. However the waiting period varies from one candidate to another and can take more than 15 days in some cases.
2. How can I track the status of my Standard Chartered credit card application?
To know the status of your credit card application, all you need to do is visit the credit card application status page on the Standard Chartered website. Submit the application reference number as well as your registered mobile phone number to see the current status of your credit card application.
3. How to obtain a replacement card?
You can request a new card, by logging in to Standard Chartered Bank’s online banking portal. However, if your old card has been stolen or misplaced, you must get it blocked by notifying the bank. Blocking your card will ensure that the card is not used for any fraudulent transactions.
4. Is there a minimum age to apply for a Standard Chartered credit card?
Yes, only people over the age of 21 are eligible to apply for a Standard Chartered credit card. Moreover, to be qualified you must have a stable source of income and a good credit history. Also, most cards include a 65 year old upper age limit for applicants to apply for a Standard Chartered credit card.
5. Is it possible to apply for an add-on card for my family?
Yes, you can apply for an add-on card that can be used by your family members. However, a part of your credit limit will be used as the credit limit for the add-on card.
6. What payment options are available for Standard Chartered credit card bills?
You can pay your Standard Chartered credit card bills by either using the auto-debit facility or by using the net-banking facility. Moreover, the other methods by which you can pay your credit card bills are via NEFT, Cash, Cheque, etc.
7. Is it possible to turn off international usage on my Standard Chartered Credit Card?
Yes, Standard Chartered banks lets you disable or enable international usage on your credit card. International usage can be enabled or disabled online using the net banking or mobile banking facility.
8. Can you avail a loan on Standard Chartered credit card?
Standard Chartered Bank offers credit card holders a loan against their credit limit. The bank may also offer you a loan that exceeds your credit limit. The interest rate offered to cardholders varies depending on the customer.
9. Is it possible to transfer my outstanding balance from any other bank’s credit card?
Yes, Standard Chartered Bank allows a ‘Balance Transfer’ facility that enables you to transfer the outstanding balance from another bank’s credit card to the Standard Chartered credit card. You can save money as balance transfer interest rates are substantially lower than credit card finance costs.
10. How to increase your credit limit for a Standard Chartered Credit Card?
You can increase your credit limit by simply logging in to the online banking services offered by the bank. By navigating to “Card Management” under the “Help & Services” Tab you can find the “Credit Limit Increase” option. By following the on screen instructions you can increase your credit card limit for your Standard Chartered credit card.
Note – Joining Fee, Renewal Fee and other charges of Standard Chartered Credit Cards shown above are exclusive of 18% Goods and Services Tax (GST)