Our Cards

Platinum Credit Card

Platinum Credit Card

When your work or leisure takes you places, you want your card to be international too. With the Visa Platinum card, you can enjoy:

  • Internet transactions and online purchases
  • There’s no need to take cash whenever you go shopping worldwide
  • Free legal multilingual interpreter and medical referral services
  • Emergency cash disbursement
  • Telephone medical advice, inoculation and visa requirement information

Learn more

Infinite Credit Card

Infinite Credit Card

As a busy well travelled business person, you deserve enhanced privileges. We recognize that your lifestyle must be supported with convenience, security, and speedy responses whenever you need it. With the Visa Infinite card, you can enjoy:


  • Dedicated website - The Infinite card comes with a dedicated website club at www.VISAinfinitecard.com
  • You must be a Priority banking customer in order to apply for a VISA Infinite Card
  • Lounge access to over 824 lounges in over 300 cities for you and a partner. Download the LoungeKey app or access https://www.loungekey.com/ssavisainfinite to know available lounges. You can also track your lounge visit history with LoungeKey
  • Telephone medical advice, inoculation and visa requirement information
  • Travel: Air travel reservation and information services; hotel reservation and information services; international apartment reservations service; chauffeur-driven car service; airport transfer service; car hire reservation and information service; package holidays information service; rail and ferry information service; travel and health advice; insurance queries and currency advice
  • Full multi-trip travel insurance (90 days)
  • Free legal, multilingual interpreter and medical referral services
  • Concierge services
  • Internet transactions for online purchases, car hire, restaurants, hotels and airline reservations
  • Cardholders receive purchase protection and extended warranty guarantees
  • Emergency cash disbursement
  • Exclusive discounts and special offers
  • Special discount offers for Visa Infinite club members- available at www.visainfinitecard.com
  • Cardholders receive purchase protection and extended warranty guarantees
  • Entertainment and leisure: International dining; golf course information service; yacht charter and hospitality and event ticketing service
  • Retail and personal: Domestic services; flower delivery; gift delivery; news service; courier service; wedding and life event management


  • To report the loss of the card, please dial toll free number +1 410 581 9994, which can be found on the back of the card.

Learn more

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Features


  • Limits of up to GHS 100,000
  • Up to 50 interest free days
  • Up to 30% cash advance
  • Maximum of 5 supplementary cards
  • Option of Infinite or Platinum credit cards denominated in Ghana Cedi
  • View transaction details and make payments for your credit card via online banking. You can also make payments on our Cash Deposit Machines and ATMs, SC Mobile, via transfers and through our branches.
  • Free monthly eStatements that helps you to analyse and track every expenditure
  • Chip & PIN – For greater security
  • Wide Coverage – Over 23 million Merchants and ATMs locally and internationally
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Benefits

Enjoy all benefits that come with the Standard Chartered Credit Cards

  • Free Airport Lounge access
  • 360° Rewards programme
  • Card valid for up to 60 months
  • Free first two (2) supplementary cards
  • Up to 50 days interest free period
  • Chip & Pin for greater security
  • Lifestyle privileges.
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Rewards

Participate in the best loyalty programmes in Africa.

  • Earn 5X reward points on Travel, Supermarkets and Fuel spend on your Infinite card and 3X on Platinum
  • Earn 1X reward points on all other retail spend
  • Redeem your reward points for exciting travel and retail options from an extensive catalogue

To manage your rewards, sign up at 360° Rewards

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Merchant Partners

Amazing discounts and offers with alliances and selected Merchant Partners throughout the Country.



Buena Vista Homes (not linked to payment cards)


  • 7% discount on prices of homes
  • Niobe Salon and Spa
    Niobe Salon and Spa


    • 12% discount on all sales and services paid for Visa Infinite Credit and Debit cards
    • 10% discount on all sales and services paid for Visa Platinum Credit and Debit cards
    • Branches - Lizzy’s Sports Complex, African Regent Hotel, Royal Senchi Hotel
  • Best Western Premier Hotel
    Best Western Premier Hotel


    • 40% discount on Rack Room Rates
    • 10% discount on Food and Beverage
  • Pulse fitness
     Pulse fitness


    • 25% discount on sales and services
    • Branches - Lizzy’s Sports Complex, SSNIT Pension House
  • British Airways
    British Airways


    • Up to 15% discount on airfares to the UK, Europe and North America
    • Discount valid for Economy, Economy Plus and Business Class cabins
  • Sai Wine and Champagne Cafe
    Sai Wine and Champagne Cafe


    • 10% discount on all sales and services
  • First Call Towing and Recovery Services
    First Call Towing and Recovery Services


    • 10% discount on annual subscription
  • The Honey Suckle
    The Honey Suckle


    • 10% discount on food and beverage
    • Free entry – Just flash your Standard Chartered Visa Card
    • Branches – Osu (opposite Fire Service H/Q, A&C Mall, East Legon
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How to Apply

Eligibility Document
Age
minimum (Primary cardholder): 21+yrs
(supplementary cardholder): 16+yrs
Proof of income / Identity Document / Application form (duly completed) / Bank Statement (as applicable)
Income Requirement
minimum salary income: GHS 1000 monthly or AUM of USD 50,000 ( Priority Clients)
 
Personal: Salaried Workers and Self Employed Professional
Priority: Asset Under Management, Self Employed Persons, Self Employed Professionals
 
Nationality
  1. Residents
  2. Foreigners on Permanent Residence
  3. Foreigners(Expatriates) on contract/ work permit.
 

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Application Forms

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Tariff Guide

FAQ

What is my Credit limit?

Your credit limit is the amount you are allowed to borrow at any one time based on your income and satisfactory credit bureau report

Can I use my credit card abroad?

Yes. You will be able to use your credit card abroad to make payments and take cash from ATMs , make online transactions and perform other transactions up to a maximum of $10,000.00 per travel annually

Is there a charge if I withdraw cash from my SCB Credit Card via an ATM?

Yes there is. We charge a cash fee of 3% of the amount withdrawn when you take cash out (with a minimum charge of GHS25.00). You will find all the information you need in the Terms And Conditions on our web site - https://www.sc.com/global/av/gh-cc-tnc.pdf
Remember – interest rate applies to cash withdrawals. Purchases via POS and Online are free for the stipulated interest free period. So it can be costly to use your credit card to get cash out on a regular basis.

How can I change my statement date/payment due date?

Just complete our limit/billing cycle change request form online or send same to the branch, letting us know the preferred dates. We will then let you know if we can change the dates, or not. More information on salary payment date may be required from you.

How many days before my payment due date will I receive a statement?

You will receive your statement twenty days before your payment is due. In spite of the option you choose, please make sure your payment reaches us by the due date.

How can I pay my bill?

You can pay your bill in a range of ways including:
1. Online/Mobile Banking
You can pay your bill by transferring funds from your current/savings account to your credit card account via online/mobile banking.
When making a payment from SCB online/mobile;

  • Select ‘Credit Card Payment’ under 'Payments' in the main menu.
  • Select account from which payment will be made
  • Select active card
  • Select payment type –One time or recurring
  • Select payment amount – statement balance due/Minimum due /Others
  • Select date
  • Click next

2. By Standing Instruction
This is automatically set up when your card is issued. There are two SI payment options: the minimum amount and the total amount due (subject to minimum payment requirements of GHS50.00).

If I have a Standing Instruction set up, can I still make additional payments?

Yes.
The minimum payment is really a safety net to ensure you don't incur late payment charges. Ideally, you should still make additional payments by other means rather than sticking to the minimum each month.
If you make an additional payment, your spend or statement balance will be reduced by the amount of the additional payment.

How much cash can I withdraw from my SCB Credit Card?
  • On your account you have a total cash withdrawal limit of 30% and a daily cash withdrawal limit.
  • The daily cash withdrawal limit is GHS5000.00 for Platinum and GHS8000.00 for infinite
When Do I have to pay

The date your payment is due is printed on your monthly statement. The standing Instruction set up on your account will run on the due date. In case you want to make additional payments, please allow 3 working days for us to receive and process your payment. If your account is not funded within 2 days after your payment due date, you will be charged late payment fees.

Learn more »

FAQ

    • Can I use my credit card abroad?

      Yes. You will be able to use your credit card abroad to make payments and take cash from ATMs , make online transactions and perform other transactions up to a maximum of $10,000.00 per travel annually

    • How can I change my statement date/payment due date?

      Just complete our limit/billing cycle change request form online or send same to the branch, letting us know the preferred dates. We will then let you know if we can change the dates, or not. More information on salary payment date may be required from you.

    • How can I pay my bill?

      You can pay your bill in a range of ways including:
      1. Online/Mobile Banking
      You can pay your bill by transferring funds from your current/savings account to your credit card account via online/mobile banking.
      When making a payment from SCB online/mobile;

      • Select ‘Credit Card Payment’ under 'Payments' in the main menu.
      • Select account from which payment will be made
      • Select active card
      • Select payment type –One time or recurring
      • Select payment amount – statement balance due/Minimum due /Others
      • Select date
      • Click next

      2. By Standing Instruction
      This is automatically set up when your card is issued. There are two SI payment options: the minimum amount and the total amount due (subject to minimum payment requirements of GHS50.00).

    • How much cash can I withdraw from my SCB Credit Card?

      • On your account you have a total cash withdrawal limit of 30% and a daily cash withdrawal limit.
      • The daily cash withdrawal limit is GHS5000.00 for Platinum and GHS8000.00 for infinite

    • What do I do if I think I received an incorrect bill?

      If you think you have received an incorrect bill, send us an e-mail to feedback.ghana@sc.com, ghana.call-centre@sc.com or call our 24-hour Client Care Centre on our Toll Free number 0800 740100 so we can review your account. You can also speak to staff in any of our branches.

    • When and how will I receive my statement?

      You will receive your statement on your billing date once a month (as long as you have a balance more than GHS10.00.
      You will receive the eStatement via your email address with the bank from SCB_ESTATEMENT

    • What happens if a payment is late, missed or returned?

      You will incur charges for any of these situations. These charges are explained in your credit card agreement.

    • Why have I been charged cash interest when I haven't withdrawn any cash this month?

      We charge interest on cash transactions at a daily rate.. We will still charge cash interest on a cash transaction from a previous month if your payments have not been enough to cover the amount of cash that you withdrew plus the interest and fee apportioned to it. You'll also need to take into account any other transactions you have made i.e. purchases. There may also be interest due for the time between your last statement being produced and the date you made a payment.

    • What is the minimum amount due on credit cards?

      Minimum amount due is the amount which you pay to avoid late payment fee. Remember, you will still be charged interest on the remaining unpaid amount. Just that late fee won't be applied. Total amount due is the total money you owe.

    • What is Payment due date

      Payment Due Dates: Payment is due on either 25th/30th/5th/10th/5th or 20th of each month depending on the billing cycle set up for client.

    • What's chargeback protection?

      Chargeback is a way of getting your money back if things go wrong on your credit card purchases.

    • What is Grace Period

      A grace period is the period of time you have to pay an amount due, without having to pay interest on the balance. The grace period runs from the due date + 2 days

    • What is my Credit limit?

      Your credit limit is the amount you are allowed to borrow at any one time based on your income and satisfactory credit bureau report

    • Is there a charge if I withdraw cash from my SCB Credit Card via an ATM?

      Yes there is. We charge a cash fee of 3% of the amount withdrawn when you take cash out (with a minimum charge of GHS25.00). You will find all the information you need in the Terms And Conditions on our web site - https://www.sc.com/global/av/gh-cc-tnc.pdf
      Remember – interest rate applies to cash withdrawals. Purchases via POS and Online are free for the stipulated interest free period. So it can be costly to use your credit card to get cash out on a regular basis.

    • How many days before my payment due date will I receive a statement?

      You will receive your statement twenty days before your payment is due. In spite of the option you choose, please make sure your payment reaches us by the due date.

    • If I have a Standing Instruction set up, can I still make additional payments?

      Yes.
      The minimum payment is really a safety net to ensure you don't incur late payment charges. Ideally, you should still make additional payments by other means rather than sticking to the minimum each month.
      If you make an additional payment, your spend or statement balance will be reduced by the amount of the additional payment.

    • When Do I have to pay

      The date your payment is due is printed on your monthly statement. The standing Instruction set up on your account will run on the due date. In case you want to make additional payments, please allow 3 working days for us to receive and process your payment. If your account is not funded within 2 days after your payment due date, you will be charged late payment fees.

    • I have a duplicated transaction on my statement, what should I do?

      If you've made a transaction and it appears on your eStatement twice or more, you'll need to visit the branch to complete a charge back form. It can take up to 45 days for the refund to be credited to your account.

    • How much will I have to repay each month?

      Each month, you will receive an eStatement telling you of your full outstanding balance (everything you have spent plus any interest and charges) and your minimum amount due. You can pay any amount between this minimum amount due and your full outstanding balance.

    • How does the interest free period work?

      You can get up to 50 days interest free on purchases, if you pay off your balance in full each month or by the due date. You will not be charged interest during the interest free period except for cash withdrawals which attract interest from the same day.

    • How many cycles do we have in the bank

      SCB has six billing cycles.

    • What is the Statement Date?

      The statement date on your statement cycle is usually the same day as the last day of the billing period. This is the date your bill is actually issued, and your bill will be due twenty days after that date. The statement date and the due date are not the same.

    • What is the billing cycle?

      A billing cycle is recurring and is most often set to repeat on a monthly basis. For example, you may get your credit card bill on the fifth day of the month for payment or purchases done from the fifth of the previous month

    • How can I Increase my credit card limit

      You can increase your credit card limit by writing to us or completing our Limit/Billing Cycle change form and submitting at the branch. Please note that you can only qualify if:

      • Your Credit Card is active months of issuance
      • with at least one transaction in the last three months
      • repayment ratio over three months period should be ≥ 20%
      • satisfactory bureau report

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Speaking Up

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.

Disclaimer

Please note that this hyperlink will bring to you to another website on the Internet, which is operated by InTouch, an independent company appointed by the Bank to support its Speaking Up programme. Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the additional terms of use of the website that you are going to visit.

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