Standard Chartered credit card

Standard Chartered credit cards are one of the products rendered by Standard Chartered Bank. Standard Chartered Bank aims at customer satisfaction by providing various rewards to its credit cardholders to achieve its goal. This article will allow you to grab the best in class credit card. Explore more details about Standard Chartered Bank’s outstanding services and features in this article.

Last modified:2019-07-19


Table of content

#1.Standard Chartered Bank Credit Card Bill Payment

#2.Standard Chartered Bank Credit Card Login

#3. Standard Chartered Bank Credit Card Status

#4. Standard Chartered Bank Customer Care Number



What are the Types of Standard Chartered Bank Credit Cards?

Standard Chartered Bank Credit Cards offer a lot of benefits and features including accelerated rewards, cashback offers, discounts, reward point redemption for air miles, good life programme, easy EMI, and a lot more to benefit the customers from all walks of life. Below mentioned are the credit cards offered by Standard Chartered Bank

  • Standard Chartered Bank Ultimate Card: An exclusive credit card which rewards you on travel spends, fine dining and compliments your premium lifestyle with the best reward point value.

  • Standard Chartered Bank Manhattan Platinum: Get double benefits - cashback and rewards with Manhattan Platinum credit card.

  • Standard Chartered Bank Super Value Titanium: Save on your monthly expenses with the super value titanium credit card.

  • Standard Chartered Bank Emirates World: Earn miles with every swipe and see the world sooner with your Emirates World credit card. A perfect card for the world traveler that gives you Skyward Miles and shopping benefits when you travel abroad.

  • Standard Chartered Bank Platinum Rewards: This card is perfect for the smart spender. Enjoy 5x reward points on fine dine and fuel spends.

  • Standard Chartered Bank Landmark Rewards Platinum: This credit card gives you up to 9x reward points on your daily shopping.

  • Standard Chartered Bank Visa Infinite: The priority banking visa infinite card offers attractive rewards and a range of complimentary benefits especially for their priority banking clients.

  • Standard Chartered Bank Yatra Platinum: Perfect card for the frequent traveler. A card that gives you both cashback and rewards on Yatra.com and a host of other benefits.

How to Apply for Standard Chartered Bank Credit Cards online?

Applicants can visit the official website of Standard Chartered credit cards, www.sc.com, and click on ‘Credit cards’ which is on the left-hand side of the page. Under it, the applicant can click on ‘Choose the Right Card’ to choose the card that would best suit their needs. Here, all the credit cards under Standard Chartered have been divided into categories like Travel, Cashback, Rewards, and Business. Once the applicant chooses the card that would suit them the best, they can click on the option of ‘Apply Now’. Then, they will be directed to a new page on which they will have to enter the following details:

  • Name of the City
  • Date of Birth
  • Source of Income
  • Gross Fixed Monthly Income
  • Email
  • Mobile Number

Once the details are submitted, the bank will check whether the candidate is eligible to avail the credit card that they have applied for. Based on the eligibility of the customer, the bank will decide whether the customer will receive the credit card or not.

Applicants can also apply for a credit card by sending an email to Standard Chartered bank directly.

How to Apply for Standard Chartered Bank Credit Card Offline?

Applicants who are not comfortable with the online process can apply for a Standard Chartered Bank credit card in offline mode also. The applicant will have to visit the nearest branch of Standard Chartered Bank and meet the credit card representative. The applicant will be asked to fill up the credit card application form and submit the relevant documents. The applicant can communicate what type of credit card he wishes to avail post which the representative will examine all the documents submitted by the applicant and determine the credit limit for which the applicant is eligible. After the approval of the application, the applicant will receive his Standard Chartered Bank credit card delivered to their address at the earliest.

Apart from this, the applicant can also contact the bank by calling the customer care service at 39 02 02 6601 4444/3940 4444, 6601 444/ 3940 444/ 011-3940 4444/ 011-6601 4444/ 1800 345 1000. This service is available 24*7 on all business days of the week.

Eligibility Criteria and Documents Required for Standard Chartered Bank Credit Card

Eligibility:

Before applying for a Standard Chartered Bank credit card, the applicant must be eligible to own one. Each and every bank has its own eligibility criteria, likewise, Standard Chartered Bank has certain rules to be followed before providing the credit card to its customers. The customer should satisfy the bank’s needs by proving that he/she is eligible to own a Standard Chartered Bank credit card

  • The applicant must be aged between 21 and 65 years
  • Applicant should have stable finances
  • Applicant should be living in cities where Standard Chartered Bank sources credit cards.

Documents Required:

When applying for Standard Chartered Bank credit cards, you will have to submit a few important documents - address proof, identity proof, and income proof. The documents required will be communicated by Standard Chartered Bank at the time of applying for a credit card. You need to submit the following documents to avail a Standard Chartered Bank credit card-

Proof of Identity:

  1. PAN card
  2. Aadhaar card
  3. Voter’s ID
  4. Passport
  5. Driving license

Proof of Address:

  1. Aadhaar card
  2. Passport
  3. Utility bill (not more than 3 months old)
  4. Ration card
  5. Passport
  6. Rental Agreement

Proof of Income:

  1. Salary slips for the last 1 month
  2. Latest IT returns with the computation of income / certified financials, last business continuity proof

What are Features and Benefits of Standard Chartered Bank Credit Cards?

Standard Chartered Bank credit cards are very much in need for many individuals since it offers a number of benefits to its users. Many individuals prefer Standard Chartered Bank credit cards for its unique features and wide range. Standard Chartered Bank credit card offers many rewards and discounts on almost all of the transactions. Check out the key features and benefits of using Standard Chartered Bank credit card.

  • Credit card activation offers
  • Unlimited discounts
  • Balance transfer options
  • Conversion to EMIs
  • Value-added benefits


#1.Standard Chartered Bank Credit Card Bill Payment

ONLINE: Many people like to use online facilities to make their bill payments whether it is their utility or credit card bill. This has been the practice ever since people realized the convenience that internet and mobile banking offer. People can pay off their credit card bills without having to visit the bank branch or ATM. They can make the payment from their Standard Chartered Bank account or even from another bank account. In both of these cases, they have multiple options to choose from.

NEFT:

  • You need to login to your online banking account and fill in the beneficiary details.
  • Next, enter your name as it appears on the credit card under the beneficiary name.
  • Then enter your card number as the Payee account number.
  • Choose your bank name as Standard Chartered Bank.
  • Next, enter the correct IFSC code and the branch address.
  • Now you need to select your payment account type and enter the amount payable.
  • Inter Bank Fund Transfer (IBFT) is provided by Standard Chartered that allows customers to transfer funds from their Standard Chartered Bank account to pay their credit card bill.

Online Banking: You can log in to your Standard Chartered Bank Internet banking account to make easy payments. You can view your credit card statement online and pay the minimum amount due.

VISA Credit Card Payment: You can transfer funds from your Standard Chartered Bank account to any VISA credit card in India. The payment takes up to 3 working days to get processed.

Billdesk: Use Billdesk to make the payment on your credit card. Simply select your bank and card type. Enter your card number and the amount to be paid. You will be redirected to your bank’s payment interface. Authenticate the transactions and make the payment.

OFFLINE: A lot of customers prefer to pay their Standard Chartered Bank credit card bill using cash, demand draft or cheque. If they are planning to pay it through offline mode, then they can use one of the methods mentioned below.

  • Cheque: You can drop a cheque or demand draft in favor of “Standard Chartered Bank Card no. followed by your 16 digit Card number”. Drop this cheque in any of the drop boxes provided by Standard Chartered Bank. Cheques take at least 3 days to clear.

  • Cash: You can make cash payments at any Standard Chartered Bank Branch. Fill in the slip and hand it over along with the amount payable to the teller. The teller will make the payment and hand you a receipt.

  • Phone Banking: You can call the phone banking helpline provided by Standard Chartered and request for a transfer to be made from your bank account to pay your credit card bill.

  • Auto debit: You can set standing instructions by authorizing Standard Chartered to deduct the credit card bill amount from your bank account every month. You can opt to pay the full amount, the minimum due or a fixed amount. You need to download the form, fill it and post it to Standard Chartered Bank.

#2.Standard Chartered Bank Credit Card Login

Benefits of Standard Chartered Bank Online banking Services:

Standard Chartered Bank’s Online banking services provide a number of benefits for its credit card customers. Few of the popular benefits of Standard Chartered Bank credit card for internet banking are listed below:

  • 24x7 access to the account information: You can access up-to-date information related to your credit card account including transaction details, outstanding due, payment due date, available credit limit, and all other related information at any time

    and from anywhere by accessing your credit card account online.

  • Improved security: An additional level of security is provided by SCB’s online banking website, which requires another level of authentication, called two-factor authentication (2FA) for all high-risk transactions. Whenever there is a high-risk transaction, a 6 digit numeric code will be sent to the registered mobile number. So, only when you enter the correct code, the transaction will be processed.

  • Online credit card services: You can request for a number of credit card-related services online using credit card internet banking service. You will be able to apply for a new card, pay credit card bill, request for reward points redemption, raise a request to increase credit card limit, convert credit card purchases into EMIs, set your credit card PIN, etc., by using your online banking account.

  • Easy Bill Payment: Using SCB’s ‘Bill Pay’ feature, all your utility bill payments including electricity bill, mobile bill, landline bill, water, and insurances etc can be paid online. The bank has a big list of billers added to the online banking accounts. Credit cardholders can set AutoPay instructions for automatic bill payment or also pay the bill directly using their credit cards.

Registering for Standard Chartered Online Banking Services:
Standard Chartered Bank provides you two easy ways to register your credit card for net banking. They are:

    1. Instant Online Registration: If you have access to the internet on your PC or mobile, you can self - register your Standard Chartered Bank credit card for online banking by following the steps mentioned below.

Step 1: Visit Standard Chartered Bank online banking page
Step 2: Click on ‘Register Now’ and then choose ‘Continue to login’
Step 3: You will be redirected to a new page, where you need to click on ‘Instant Registration’ link
Step 4: Check the terms and conditions and click ‘Accept’
Step 5: On the ‘Instant Registration’ page, select ‘Credit Card Number’ from the drop down
Step 6: Then enter the ‘Credit Card Number, Card expiry date, date of birth of the cardholder and CVV2’ and click on ‘Next’
Step 7: The mobile number associated with the credit card will be displayed for you to verify. If it's correct, click ‘Confirm’

As soon as the confirmation you will receive a temporary password on your mobile number. Enter the same and click ‘Next’. You will then be asked to create a personal login of your choice. You need to enter a username and password according to the instructions provided on the page. Once you enter both, click on ‘Next’

If the credentials are valid, your registration becomes successful and the screen will display the same message.

Once the online banking account registration is successful, you can use the same credentials to log in to the account to access your credit card account online.

   2. Offline Application Submission: If you have limited internet access, you can fill an online banking application form and send it to the bank through postal mail.

The application form is available at all Standard Chartered Bank branches and also on the bank’s website for download. Alternatively, you can also call Standard Chartered Bank’s credit card helpline to request for the application form that will be delivered at your doorstep.

Once you receive the form, fill all the required details including personal details, credit card number, expiry date, etc., sign it and send it to the below address through post.

Standard Chartered Bank Postal Address:

Standard Chartered Bank,
P.O. Box no. 8888
Chennai, India

The bank will send your unique ID and password to your registered mailing address on receiving the filled-in application. This might take up to 3 working days to be processed. You can use the credentials to log in to your account instantly. It may ask you to change your password during your first login for security reasons.

#3. Standard Chartered Bank Credit Card Status

Standard Chartered Bank allows you to check the status of your credit card application in many ways. You can check the application status once you have submitted the application form online or at the bank’s branch. The process to check your status can be done through an online or offline method.

ONLINE: You can check the status of your credit card application by following the below mentioned procedure.

  1. Visit the Standard Chartered Bank Application Status tracking link

  2. Once you visit this page, enter the application reference number and your mobile number.

  3. After you have the entered the correct details, your application status will be displayed on the screen.

If you have forgotten your application reference number or have deleted it by mistake, you can choose the ‘Forgot Reference Number?’ option. You will be prompted to enter your email to retrieve your application number.

OFFLINE: You can track the status of your application offline as well. You can call the toll free customer care numbers mentioned and check the status.

City Contact Number
Bangalore, Hyderabad, Ahmedabad, Chennai, Mumbai, Kolkata, Delhi and Pune 6601-4444 / 3940 4444
Vadodara, Nagpur, Allahabad, Amritsar, Rajkot, Surat, Bhopal, Patna, Bhubaneswar, Chandigarh, Ludhiana, Cochin/Ernakulam, Indore, Coimbatore, Lucknow, Kanpur, Indore, Jaipur, and Jalandhar 6601-444 / 3940 4444
Noida and Gurgaon 011-3940-4444 / 011-6601-4444
Saharanpur, Jalgaon, Mysore, Dehradun, Guwahati, Proddatur, Cuttack, Mathura, Thiruvananthapuram, and Visakhapatnam 1800-345-1000 (For domestic dialing within India only)
Siliguri 1800-345-5000 (For domestic dialing within India only)
 

Postal Address:

Standard Chartered Bank,
Customer Care Unit,
19, Rajaji Salai,
Chennai - 600 001

You can also write to the above-mentioned address by specifying your application number while putting out a query about the status of your credit card application.

 

Standard Chartered Bank Credit Card Fees and Charges

Each and every credit card has its own fees and charges applicable according to its features. Likewise, Standard Chartered Bank credit cards also have charges which will be levied in case of late payment or when the customer crosses the credit limit allotted. The charges vary depending upon the penalties or services provided by the credit card.  

Type of Charges Amount
Late Charge If the credit card holder misses 2 consecutive months’ payment, Rs. 100 will be charged as a late charge
Late Payment Charges If the outstanding balance as per the statement is less than Rs. 500, the charge levied is Rs. 100. If the outstanding balance lies between Rs. 501 to Rs. 2000, the charge payable is Rs. 350. The charge is Rs. 500 for balances between Rs. 2001 to Rs. 4000, Rs. 700 for outstanding balance between Rs. 4001 and Rs. 20,000 and Rs. 800 for balances which are higher than Rs. 20,000.
Over limit fees For every instance of over-limit, fees will be paid which should be 2.5% of the overdrawn amount subject to a minimum of Rs. 500
Standard Chartered Rewards Handling Charges As handling and courier charges for the redemption of reward points, the bank charges Rs. 99 for all credit cards except Emirates Platinum, Platinum Elite and Landmark Rewards Platinum.
Cash Advance Fee For cash withdrawals through ATMs, a fee is payable which is 3% of the amount of cash withdrawn subject to a minimum of Rs. 300. If the withdrawals are done using the teller facility at Standard Chartered branches, an additional fees of Rs. 500 is levied.
Overseas Transactions All overseas transactions are levied with a 3.5% transaction fee. This includes charges paid out to Visa / MasterCard for converting overseas transactions into INR
Please note: Transactions at merchant establishments that are registered overseas, even if the merchant is located in India attract a charge of 0.80% from Visa and MasterCard which is included as a part of the transaction amount in your statement
Surcharges Rs 25 or 2.5% of the transaction (whichever is higher) on Railway transactions. Rs 10 or 1% of the transaction (whichever is higher) on Petrol transactions. The rate of the surcharge may vary depending on acquiring the bank.
GST A GST of 18% is charged.
Pick Up Fee for Cheque or Cash For overdue card accounts, Rs. 100 would be levied for payments which are collected by authorized representatives of the bank. This charge would be reflected in the next month’s credit card statement.

#4. Standard Chartered Bank Customer Care Number

Standard Chartered Bank Credit Card users can contact the bank’s customer care via call, email, and SMS. Here are the details:

Standard Chartered Bank credit card customer care number: Gurgaon/ Noida- 011 – 39404444 / 011 – 66014444 / Bangalore, Chennai, Ahmedabad, Kolkata, Delhi, Pune Hyderabad, Mumbai – 6601 4444 / 3940 4444

Standard Chartered Bank credit card customer care Email ID: customer.care@sc.com

Standard Chartered Bank credit card customer care SMS:  For any query, cardholders can SMS on 9980033333, available 24*7.

In case of complaints, customers can also fill the complaints form available on the official website of Standard Chartered Bank.

Standard Chartered Bank - Grievance Redressal

Standard Chartered Bank has a strong grievance redressal system in place to make sure proper customer service and satisfaction are delivered.

Follow the step-by-step guide to approach the bank to have any of your grievance/feedback related to any products/services offered by Standard Chartered Bank.

Step 1: Basic Channels

Before you escalate the issue or concerns to higher management/officials, you can use the following channels to attempt a quick resolution of their problem.

  • Call Customer Care: You can approach the bank representatives through the 24x7 phone banking helplines the bank has set up.

  • Email: You can also pen down your issues and send it to the bank at customer.care@sc.com and get responses.

  • With online complaint form: On the bank’s website, you will find an online complaint form in the ‘Feedback and Complaints’ section. You need to fill the form and submit the relevant information to raise and register your complaint.

  • Send an SMS: You can send an SMS to 9980033333 with ‘service’ as your body of the message and get a call back from the bank within 24 hours.

  • Send a postal mail: You can also write a letter listing out your concerns to the bank and address it to

Standard Chartered Bank,
Customer Care Unit,
19, Rajaji Salai,
Chennai 600 001

Once you use any of the above-mentioned methods, you will get an acknowledgment of your queries resolved within a span of 7 days.

Step 2: Contact Regional Nodal Officer

Contacting the Regional Nodal Officer should be the last option for you and have to be used when all other ways have failed to resolve your issue. In case the bank takes more than 10 days to give you a clear response, you can approach the Nodal Officer for the region your residence comes under. The phone lines are available between 9.30 am and 6.30 pm from Monday to Friday, except on national holidays.

Designation Phone
Principal Nodal Officer +91 22 26757408
Head of Client Services +91 22 26757412
Chief Information Officer +91 22 26757410
MD and Head of Global Banking +91 22 26757657
Head of Financial Markets +91 22 26527992
Chief Executive Officer +91 22 39400123, +91 22 66029549

Step 3: Approach Principal Nodal Officer

You can contact the head of customer care of Standard Chartered or Principal Nodal Officer if level 2 doesn’t help with the resolution of your issue. Head of customer care can be contacted at the following email: head.services@sc.com

To contact The Principal Nodal Officer, you can use the following details:

Address:

Mr. Arun Kumar R,
Principal Nodal Officer,
Standard Chartered Bank,
Customer Care Unit
19, Rajaji Salai,
Chennai 600 001

Email: principal.nodalofficer@sc.com
Phone no: 080 42896718, 080 28089025

The PNO will mostly reply within 5 days after receiving the complaint. If the issue is not responded by the PNO level, you can contact Standard Chartered Bank’s senior management at countryhead.retailbanking@sc.com

Details of senior management of the bank are listed below. You can contact them between 9.30 am and 6.30 pm from Monday to Friday except on national holidays.

Designation Phone numbers
Head of Product and Segment, Retail Banking

080 42896711,
080 28089016

Client Relationships

080 42896729,
080 66696711

Head of Client Experience Process and Governance 080 42896730,
080 66696712
Head of Retail Banking

080 42896712,
080 28089017

Head of Commercial Clients

080 42896713,
080 28089018

Head of Wealth Management

080 42896714,
080 28089019

Head of Private Banking

080 42896715,
080 28089020

Head of Non-Resident Indian Business

080 42896716,
080 28089021

Chief Executive Officer

022 39400123,
022 66029549

 

About Standard Chartered Bank and Credit Card

Standard Chartered Bank is India’s largest international bank with around 99 branches in 42 cities. It is one of the oldest financial institutions to establish itself in India. With global capabilities and a dedicated team with a thorough knowledge of the local geographic area served by the bank, Standard Chartered strives to meet the needs of personal banking customers and entrepreneurs with innovative solutions. Current Accounts, Savings Accounts, Employee Banking Accounts, Term Deposits, Foreign Currency Deposits, Debit Cards, Phone Banking, Online Banking, various types of loans like home loans, personal loans, car loans, etc. and credit cards are products of Standard Chartered Bank.
Credit cards offered by Standard Chartered bank are custom made to suit every customer’s needs. The credit cards can be divided into four categories namely Cashback, Rewards, Travel, and Business. Standard Chartered Bank credit cards offer the customers an easy shopping experience without having to carry liquid money. The bank has a varied assortment of credit cards that come with great benefits and privileges. Such benefits are offered in the form of rewards, value back, and exclusive membership advantages.

 


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