Offer 1: if you are applying for the first credit card with us
Do You Know?
- Up to 10% Supermarket Cashback
- Up to 10% Cashback on Utility Payments
Got bills to pay? Use your Standard Chartered credit card to pay for your telephone, Internet, TV subscription, Salik, water and electricity bills and receive up to 10% Cashback.
Total spends in AED
(including local and international spends)
Cashback % on amount spent on utilities Maximum Cashback per month in AED 0 - 2,499 0% 0 2,500 - 7,499 3% 100 7,500 - 14,999 5% 200 15,000 and above 10% 200
Terms and Conditions:
Payments on utility bills (including DEWA, SEWA, ADWEA, Salik, Etisalat and Du) earn Cashback Points up to a maximum of AED200 per month, subject to meeting the minimum overall expenditure of AED 2,500 on your Standard Chartered credit card. Total expenditure includes all spends on your Standard Chartered credit card and is not limited to payments on utility bills only. Cashback Points will be given on utility bill payments made in AED. To redeem your cashback points, simply log in to your Online Rewards profile.
- Up to 10% Cashback On School Fees
Receive up to 10% Cashback on your school fee payments when you use your Standard Chartered credit card.
If the school does not accept credit card payments, just give us a call and we'll offer you a School Fee Monthly Instalment Plan with 0% interest for 6 to 12 months (processing fees apply). We simply provide you with a cheque addressed to the school for the amount requested*, and you can pay the total back in 6 or 12 equal monthly instalments. You will also receive up to 10% Cashback on the instalment amount, however, the instalment amount will not count for the minimum overall expenditure for the month.
Additionally, if you make a school fee payment using your Standard Chartered credit card, you can convert the payment into a School Fee Monthly Instalment Plan with 0% interest for 6 to 12 months (processing fees apply). Please note, if you convert your school payment into a School Fee Monthly Instalment Plan, the Cashback earned on the initial school fee payment transaction will be reversed and you will earn up to 10% Cashback on each instalment amount for each month the plan is taken for, however, the instalment amount will not count for the minimum overall expenditure for the month.
Example: The school fees are AED18,000 per annum. If you request our School Fee Payment Plan we will provide you with either a cheque or the conversion of an existing school fee payment and you choose a 6-month plan, the calculation will be as follows:
- Amount requested: AED18,000
- Monthly instalment amount: AED3,000 (AED18,000 ÷ 6 months)
- Cashback received per month for 6 months: AED300
- You have saved AED1,800
In this example, retail spend should be AED 15,000 or more to be eligible for 10% Cashback. Please note that Cashback amounts vary depending on your overall monthly expenditure. Please refer to the table below for school fees details.
Total spends in AED
(including local and international spends)
Cashback % on amount spent on school fees Maximum Cashback per month in AED 0 - 2,499 0% 0 2,500 - 7,499 3% 100 7,500 - 14,999 5% 200 15,000 and above 10% 400
Terms and Conditions:
School fee payments made with your Standard Chartered credit card earn up to 10% Cashback in the form of Cashback Points, up to a maximum of AED400 per month, subject to meeting the minimum overall expenditure of AED2,500. Total expenditure includes all spends on your Standard Chartered credit card and are not limited to payments on school fees only. Cashback Points will be given on school fee payments made in AED. To redeem your cashback points, simply log in to your Online Rewards profile.
Converting school fee payments:
Please note that the first instalment of the School Fee Monthly Instalment Plan will only be billed on the next statement date. If your statement is already generated and the school fee payment made is already billed to your account, you can still convert the payment in to a School Fee Monthly Instalment Plan however, the normal finance charge will apply from the date of the transaction to the date of the booking of the instalment plan. The School Fee Monthly Instalment Plan processing time is 7 working days.
- Airport Lounge
Take the stress out of travelling and relax at over 40 lounges worldwide. Enjoy lounge feature on your Standard Chartered Mastercard Titanium Credit Card at premium airport lounges worldwide. All you need to do is present your card and relax. Click here to find out more about this feature.
You also have access to lounges courtesy of Mastercard. For a list of Mastercard Lounges please visit www.mastercard.com/mea/ae/consumer/titanium.html
*Only applicable for Mastercard Titanium credit card holders. Lounge terms and conditions apply.
- Free Buy 1 Get 1 app
- 20% discount while riding in style
- Credit Card Privileges
Enjoy the good things in life with buy-one-get-one-free offers and discounts of up to 50% across dining, travel and entertainment. These offers will not only satisfy your cravings, but will also put a smile on your face when the time comes to pay your bill.
- Increased Security With Chip And PIN
Chip and PIN (Personal Identification Number) is a smart card payment system that provides an extra level of security on your credit card. The Standard Chartered credit card is Chip and PIN enabled. This means you will be required to enter your PIN in order to complete your transactions - giving you increased security when paying for retail transactions. You can create or change your PIN by calling us on (+971) 600 5222 88 or by logging on to your Online Banking account.
- Stay Updated With The Good Life App
- How Cashback Points Work
Cashback Points are reward points you earn every time you use your Titanium Credit Card to pay for utilities, supermarket bills and even school fees. Cashback Points are redeemable for Cashback on your Standard Chartered credit card.
- Terms & Conditions: Cashback
The Cashback Program ("the Program") for Standard Chartered credit card (the 'Card') Customers allows eligible Standard Chartered credit cardholders ("Cardholder/s") to accumulate Cashback ("Cashback") on Qualifying Transactions incurred on their Standard Chartered credit card (Card/s) during the Billing Month, as per the minimum and maximum amount set by the Bank from time to time. Cashback accumulated on such Cards can only be redeemed by credit to the Primary Cardholder’s Card Account.
Cashback is defined as an accrued amount earned on qualifying transactions at rates decided by the Bank from time to time at its absolute discretion; and which may be credited to the Primary Cardholder’s account on the Primary Cardholder’s request.
Qualifying transactions are defined as all supermarket, utility and educational institution transactions within the UAE, which scope can be changed by the Bank at its discretion. The qualifying transactions shall be retail and/or online transactions and any other transactions that the Bank defines as eligible from time to time.
Only qualifying transactions posted by the Bank to the Card Account would be considered eligible for the Program.
The billed amount of the qualifying transaction will be considered for Cashback calculation in the statement that the transaction appears.
Billing Month is defined as the statement period for the Primary Card Account and billed amount is the amount of the qualifying transaction as it appears in the statement of account.
The Program is open to all Standard Chartered credit cardholders as determined by the Bank from time to time except such Cardholders whose Cards are blocked and who are not in good standing as per the definition of the Bank.
The Cashback earned by a Supplementary Cardholder(s) will accrue to the account of the Primary Cardholder.
Participation in the Program is automatic for all eligible Standard Chartered credit cardholders. The Bank may impose fees on the Program at its absolute discretion, which may be varied from time to time.
Enrolment Date shall mean the date of launch of the Program for the existing Cardholders and the date on which the Primary Account is activated for new Cardholders.
Enrolment Year - shall mean “any twelve-month period” commencing on the Enrolment Date.
The Cardholder will earn Cashback at a percentage of qualifying transactions as specified by the Bank from time to time, provided the total qualifying transactions incurred in AED (Dirhams) during a billing month meets the minimum amount determined by the Bank. The Bank at its sole discretion will round down the total Cashback earned during a billing month to the nearest Dirham.
All qualifying transactions billed to the Card Account under this Program are eligible to earn Cashback. The following transactions are expressly excluded from the Cashback Program:
- Balance transfers
- Smart Payment Plans
- Fixed Payment Plans (including School Fee Payment Plan)
- Easy Payment Plans
- Local cash advances
- Credit Card Cheques
- Finance charges
- All fees charged on the Card by the Bank
- Transactions reversed by Merchants
- Any other transactions determined by the Bank from time to time
A Cardholder cannot accrue Cashback for any retail purchase(s) incurred prior to his/her Enrolment Date.
Cashback accumulated by a Cardholder on the Card cannot be combined or used in conjunction with Cashback of his/her other Cards at the time of redemption or transferred to any other card or customer loyalty program unless otherwise specifically notified by the Bank.
The Cashback is not transferable by operation of law or otherwise to any other person or entity. The Cashback is an accrual payable solely at the discretion of the Bank; it is not an attachable account balance and neither is it a balance which may be transferred to any other person or entity.
The accrued Cashback has a monetary value on redemption; it can be redeemed only as a credit to the Primary Card account.
When redeemed, the equivalent value will reflect as a credit to the Cardholder’s Account in the same manner as any other repayment.
The Bank will notify the Primary Cardholder in the monthly card statement of the Cashback accumulated. The Primary Cardholder can only redeem Cashback after it has been reflected as an accumulated balance in the card statement.
In the event the Primary Card account is voluntarily closed by the Primary Cardholder, the Cashback accumulated on his/her Card can be redeemed within 30 days of closure, subject to the same being requested in writing, otherwise the same shall automatically lapse and shall stand forfeited. In the event of cancellation of the Card for any other reason, all accumulated Cashback shall stand forfeited. If the Card is blocked or suspended for any reason whatsoever, then the Cashback accumulated shall stand forfeited but may be reinstated, at the sole discretion of the Bank.
The Bank's decision on computation, lapse, cancellation, forfeiture, credit, debit and re-instalment of Cashback shall be final, conclusive and binding on the Cardholder.
REDEMPTION & FORFEITURE
We disqualify you from participation in the program, if we determine, in our sole discretion that:
- your card account has been blocked, suspended, terminated or closed;
- you face legal proceedings or are under threat of so;
- any of your account with us are delinquent or unsatisfactorily conducted for any reason; and
- you are or are potentially in breach of our banking agreement.
If we disqualify you from the program, all your Cashback point will be cancelled and no longer be available for use under the program.
The Card must not be overdue, suspended, blocked, cancelled or terminated by the Bank at the time of the receipt of request for redemption of Cashback. In any of the above events, it is at the discretion of the Bank whether the Cashback amount may be redeemed or will be forfeited.
The method for redemption of Cashback is that the Primary Cardholder shall have to call the Standard Chartered Phone Banking number (+9714) 600 5222 88, and after the identification process, must request redemption of all or part of the accrued Cashback.
The minimum amount that is allowed to be redeemed in any instance is AED 100/-.
The Bank will credit the Primary Card Account with the Cashback redemption amount requested within 10 working days of receipt of the redemption request from the Primary Cardholder.
On redemption, the Cashback would automatically be subtracted from the Cashback accumulated in the Cardholder's account.
Cashback must be redeemed by the Cardholder within 12 (twelve) months of earning such Cashback. The Cardholder's failure to redeem within this period, or such other period as decided by the Bank, shall result in the expiry of the Cashback and the same shall be deducted from the Cashback Balance reflected in the Statement.
Cashback is not exchangeable for other rewards, or refundable, replaceable, or transferable under any circumstances, nor can this be re-converted back to Cashback accrued.
Fraud and/or abuse relating to earning and redemption of Cashback in the Program may result in forfeiture of the Cashback as well as termination and cancellation of the Card.
The Bank reserves the right to cancel, suspend, change or substitute the Cashback or the Cashback conditions or the basis of computation of Cashback or Terms and Conditions of the Program at any time, without giving any intimation to the Cardholder.
The Bank would be deemed to have acted in good faith in response to any oral or electronic instruction or inquiry by the Cardholder in respect of any matter in relation to this Program and the fulfillment of any redemption request. The Cardholder shall not be entitled to claim or allege any loss, damage, liability, expense, etc. attributable, directly or indirectly, to any such good faith action of the Bank and the Cardholder shall indemnify and hold the Bank harmless in respect thereof.
The Program supplements, but does not in any way amend the Credit Card Agreement between the Bank and the Cardholder, and any term referenced but not defined herein would be interpreted in accordance with the Agreement entered between the Primary Cardholder and the Bank (the ‘Credit Card Agreement’). Notwithstanding anything contained herein, in the event there is any contradiction between these Terms and Conditions and the Credit Card Agreement, then terms of Credit Card Agreement shall prevail.
Titanium Cashback Programme:
- The Titanium Cashback programme will be available to existing Card Members at the sole discretion of Standard Chartered Bank
- Titanium Cashback is earned on Retail Transactions at specific Merchants that belong to the spend segments as defined in the Cashback table below (Table 1).
The list of MCCs that get included in this programme are at the sole discretion of Standard Chartered Bank and is final and binding to the programme. MCCs may be increased, decreased or modified as determined from time to time by Standard Chartered Bank. However, categorisation of an MCC is done at the sole discretion of Mastercard/Visa in accordance with their respective policies and Standard Chartered Bank has no role in the same.
Spend Segment Merchant Category Code Supermarket Spends 5411 Utility Bills 4814, 9399, 4812, 4900, 4784 School Fees 8211, 8220, 8244, 8351
- Each purchase will start earning Cashback based on:
- The Spend Segment that it belongs to; and
- The value of the purchase made on the Credit Card. This will define the Spend tier that the purchase falls into and the rate of Cashback that the customer is entitled to.
- Cashback is earned on each transaction individually for Supermarkets, Utilities and School Fee Payments.
- The description of the Spend Segments provided in Table 1 is generic and is subject to change at the sole discretion of Mastercard/ Visa. Only Retail transactions made under specific MCCs will be eligible under this Cashback Programme. Standard Chartered Bank and/or Mastercard/Visa, are not responsible if a retail transaction does not get captured under the appropriate MCC or if any merchant has a different MCC to the one categorised by Mastercard/Visa.
- In the event that a transaction is made at a School and the MCC is not captured in the MCC list, please contact us and we will convert your transaction into a School Fee Payment Plan which will enable you to earn Cashback on your transaction.
Please note the following:
- If a transaction is made 2 days before your statement generation date, the transaction will be considered for Cashback calculation in the following statement.
- Some merchants take up to 15 days to claim the transaction. If this occurs, the date the merchant claims the transaction will be considered for Cashback calculations. (For example, you purchase an item on the 15th of the January and your statement date is the 22nd of January. If the transaction has not been claimed before the 20th of January, you will not be eligible for Cashback on that transaction for the month of January. Once the transaction has been claimed, the Cashback will become eligible in the statement it has been claimed. In this example it will be in the February calculation)
- Supplementary card
Apply for a supplementary card and receive simplified billing with a single monthly payment for all cards on the same account. Each supplementary card issued under your account allows you to track your cash flow, manage expenses and plan budgets. You can also share the privileges and benefits offered with the Titanium Credit Card with your family.
- Easy credit
Enjoy interest-free credit for up to 50 days with the Titanium Credit Card. Your statement is generated once a month and you can take up to 20 days from the issue date to repay the outstanding balance without incurring charges.
- Easy repayments
Benefit from the option to pay as little as 5% of the statement outstanding balance, subject to an AED110 minimum payment each month.
Make large purchases while enjoying the freedom to pay it back in easy instalments. Simply convert purchases of AED1,000 or more on your Standard Chartered credit card into 6 equal monthly instalments and enjoy 0% interest for the entire period.
Terms & Conditions apply
- 0% interest at selected outlets
We offer you greater financial flexibility with our 0% interest instalment plan and no processing fees on your purchases at selected outlets. For a list of participating outlets and offer details, please visit standardchartered.ae/privileges.
**Terms & Conditions apply
***A one-time processing fee of 4% of the amount (minimum AED 100) applies
- Credit Shield Insurance
Credit Shield Insurance (CSI) will provide financial security to you and your family in case of any unforeseen circumstances. This insurance cover is NOT compulsory with your Credit Card and you do not have to apply for it if you do not want to. Your decision whether or not to take this product will have no bearing on your Credit Card application processing.
Period of Coverage: Coverage will be valid as long as the premiums are paid on a monthly basis, subject to the terms and conditions.
Scope of Coverage: The CSI will provide insurance cover for situation where you are unable to pay the outstanding balance on your credit card in the event of:
- Loss of life
- Permanent Total Disability
- Critical Illness
- Involuntary Loss of Employment (for salaried cardholders only)
- Temporary Total Disability (for self-employed cardholders only)
Premium: The premium will be 0.60% of the monthly outstanding balance on your Standard Chartered Bank's Credit Card, charged monthly. There will be no premium charged on CSI for a month where the outstanding balance on your card is zero. Please refer to the Terms and Conditions to find out more details.
The Credit Shield Insurance cover is provided by MetLife Insurance and Standard Chartered Bank has no liability to you regarding these benefits. We request you to go through the cover details mentioned in the terms and conditions document in order to understand the coverage offered thoroughly.
Easy Access to Funds
- Automated Teller Machines (ATMs)
Your Platinum Credit Card allows you to withdraw cash advances from thousands of ATMs around the world. Click here to locate the nearest Standard Chartered ATM in the UAE.
- Balance transfer
Pay 0% interest for 6 months on your outstanding balance by simply transferring it from another bank's credit card to your Standard Chartered credit card.
- Smart payment plan
Pay back your holiday expenses by transferring funds from your Standard Chartered credit card to your account. This allows you to benefit from a low interest rate while only paying the minimum payment due on your credit card. Simply call us and we will arrange the rest.
- Fixed payment plan
Life is now easier when it comes to paying school fees, house rent and utility bills. Call us and we will provide funds to cover your bills at low interest rates with flexible repayment periods. You can then transfer money from your Standard Chartered credit card to the bank account of your choice.
**A one-time processing fee of 3% of the amount (minimum AED 300) applies
**Terms & Conditions apply
- 24-hour hotline
To serve you better, our friendly call centre agents are available 24/7, ready to help you with your banking needs. You can visit your nearest Standard Chartered Bank branch or just call us on 800 4949 within the UAE and +9714 403 9639 when outside the UAE.
- Online Banking
Access your Standard Chartered credit card information wherever, whenever at the click of a button. Online banking is fast, convenient and secure.
- Up-to-date credit card information
- View your credit card transactions
- Perform fund transfers locally and globally
- Pay your credit card bills
- Online Bill Payment Services
Avoid the queues and make the most of your time through our online Bill Payment service, which allows you to pay your business and personal bills using your Standard Chartered Platinum Credit Card at your convenience.
Join us in our efforts to protect the environment by choosing to receive free eStatements instead of paper statements.
Benefits of eStatements
- View your credit card monthly statements online
- Receive an email alert when your eStatement is ready
- Access your eStatements via Online Banking
- Payment Options
Payment Options How It Works Time Until Payment Is Credited Standing Instructions Deducts the monthly payment from your bank account to pay for your credit card (minimum payment of 5% of the outstanding balance or AED 110 whichever is higher). On due date Account Transfers Transfer funds from your Standard Chartered Bank account to pay your credit card bills. 2-3 working days CDMs Deposit cash using Cash Deposit Machines (CDM) at any Standard Chartered Bank branch in the UAE. Please do not send cash by post. Locate the nearest Standard Chartered Bank CDM Instant UAE Exchange** You can pay your credit card bill at any UAE Exchange branch in the UAE. 2-3 working days
** Terms and Conditions
- Only cash payments will be accepted.
- Allow 2-3 working days for the payment to reflect on your credit card.
- A maximum of AED 20,000 will be accepted per day per customer.
- A minimal fee is applicable when paying your Credit Card Bills at 3rd party service outlets. For details, please refer to the Service & Price Guide which is available on our website.
- Payment Reminders
- Ensure your credit card payment covers at least the 'Minimum Amount Due'.
- If your credit card payment cheques are payable at locations other than Abu Dhabi, Al Ain, Dubai or Sharjah, an out-station processing fee of AED 50 will be deducted from your cheque amount.
- If your payment due date falls on a Friday or a Public Holiday, ensure that your payment reaches us on the working day prior to the holiday and before your payment due date.
At Standard Chartered, we understand your need to manage your monthly expenses and save money wherever possible. That's why your Standard Chartered credit card offers you great financial benefits at competitive prices. Choose from a wide range of easy payment solutions and enjoy peace of mind when it comes to paying your bills.
Enjoy 0% interest on the outstanding balance of your credit cards from other banks for 6 months by simply transferring it to your Standard Chartered credit card.
Smart Payment Plan*
Enjoy the flexibility and convenience of paying back your expenses by transferring funds from your Standard Chartered credit card to your account with any bank in the UAE. Benefit from our low interest rate, while only paying the minimum payment due on your credit card. All you have to do is call us on (+971) 600 5222 88 and we will arrange the rest.
Fixed Payment Plan*
Make life easier when it comes to paying school fees, house rent and utility bills by transferring money from your Standard Chartered credit card to the bank account of your choice. Call us on (+971) 600 5222 88 and we will provide you with the funds you need at low interest rates with a flexible repayment period of up to 48 months.
Easy Payment Plan*
Pay back your purchases in convenient monthly instalments by converting your purchases of AED1,000 and above made using your Standard Chartered credit card into 6 equal instalments to enjoy 0% interest for 6 months with nothing more than a processing fee. You can also enjoy 0% interest for 6 months with absolutely no processing fee when you make a purchase of AED1,000 and above using your Standard Chartered credit card at Joyalukkas Jewellery, Sky Jewellery, Al Liali Jewellery, VLCC, Jacky's Electronics, Eros Electronics, Switch Electronics and at many more outlets. If you would like to find out more, please visit www.sc.com/ae/privileges.
*Instalment plans are subject to our terms and conditions and a one-time processing fee where applicable.
Standard Chartered Bank (the “Bank”) is committed to maintaining a culture of the highest ethics and integrity, and in compliance with all applicable law, regulation and internal policy. As part of this commitment, the Bank has a ‘Speaking Up’ programme through which genuine concerns in this regard can be raised. Members of the public can securely raise Speaking Up concerns through this hyperlink, which is hosted on behalf of the Bank by a third party ‘InTouch’. Examples of concerns that can be raised through this website are concerns that relate to accounting, internal accounting controls or auditing matters and concerns relating to bribery or banking and financial crime. Concerns received will be forwarded to the Bank’s investigations team for review. Complaints relating to SCB banking services should not be raised through this site in the first instance, but through the SCB branch network, contact centres, Relationship Managers or the ‘Contact Us’ webpage.