Gh visa infinite credit card x y
Gh visa infinite credit card x y
  1. Credit Cards
  2. Visa Infinite Credit Card

Visa Infinite Credit Card

When your work or leisure takes you to places, you want your card to be international too

Benefits

Credit Card Features

Get limits of up to GHS100,000 per card.

View transaction details and make payments for your credit card via online banking, Cash Deposit Machines and ATMs, SC mobile, via transfers and through our branches.

The Infinite card comes with a dedicated website club.

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Download the loungeKey app to know available lounges and track your visit history.

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Withdraw up to 30% of your credit limit when needed.

You can access up to 5 supplementary cards on your account. You are not charged annual fees on the first 2 supplementary cards.

Your Standard Chartered Credit Card is welcomed in more than 23 million establishments, in more than 200 countries.

Reservation and information for Air travel, hotels, international apartment, chauffeur-driven car service, airport transfer service, car hire service etc.

Full multi-trip travel insurance for 90 days.

Free legal multilingual interpreter and medical referral services.

Emergency cash disbursement, telephone medical advice, inoculation and visa requirement information.

Package holidays information service, rail and ferry information service, travel and health advice, insurance queries and currency advice etc.

Cardholders receive purchase protection and extended warranty guarantees.

International dining, golf course information service, yacht chartering and event ticketing service.

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Application Eligibility

Age Requirement:

  • Primary Cardholder: 21+yrs
  • Supplementary Cardholder: 16+yrs

Criteria:

  • Personal: Salaried Workers and Self Employed Professional (minimum monthly net income of GHS22,500). Client can be either New to Bank or Existing to Bank
  • Priority: Asset Under Management, Self Employed Persons, Self Employed Professionals. Client must be Existing to Bank
  • Secured: All clients (minimum of GHS2,300 to be held as security). Client can be either New to Bank or Existing to Bank and should be in the Priority Segment
  • Corporate Guaranteed: Per nomination from the employer

Documents Required

Existing Account Holder:

  • Application Form
  • Terms of Agreement
  • Proof of income (current)
  • Current Identity Document (where applicable)

New-To-Bank Salaried Client:

  • Application Form
  • Terms of Agreement
  • Proof of income (current)
  • Valid Identity Document
  • Statement from the previous bank

Secured Credit Card Applicants:

  • Application Forms: Duly completed
  • Terms of Agreement
  • Letter of Set-off
  • Authority to place lien

Application Eligibility

Age Requirement:

  • Primary Cardholder: 21+yrs
  • Supplementary Cardholder: 16+yrs

Criteria:

  • Personal: Salaried Workers and Self Employed Professional (minimum monthly net income of GHS22,500). Client can be either New to Bank or Existing to Bank
  • Priority: Asset Under Management, Self Employed Persons, Self Employed Professionals. Client must be Existing to Bank
  • Secured: All clients (minimum of GHS2,300 to be held as security). Client can be either New to Bank or Existing to Bank and should be in the Priority Segment
  • Corporate Guaranteed: Per nomination from the employer

Documents Required

Existing Account Holder:

  • Application Form
  • Terms of Agreement
  • Proof of income (current)
  • Current Identity Document (where applicable)

New-To-Bank Salaried Client:

  • Application Form
  • Terms of Agreement
  • Proof of income (current)
  • Valid Identity Document
  • Statement from the previous bank

Secured Credit Card Applicants:

  • Application Forms: Duly completed
  • Terms of Agreement
  • Letter of Set-off
  • Authority to place lien

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

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.

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).

Remember – interest rate applies to cash withdrawals. Purchases via Point Of Sale (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.

Just complete our limit/billing cycle change request form and 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.

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.

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 Standard Chartered Bank online/mobile;

  • Select ‘Credit Card Payment’/ ‘Pay SC Credit Cards’ under ‘Payments’ in the main menu
  • Select active card
  • Select account from which payment will be made
  • Select payment type – One time or recurring (online)
  • Select payment amount – statement balance due/Minimum due /Others
  • Select date
  • Confirm

2. Cash Deposit Machine (CDM)/ Automated Teller Machine (ATM) Payment
Insert your Credit Card and follow the prompts.
Where the card is not available, make cardless credit card payments with your card number.

3. In-branch payments
Fill a cash deposit form and annotate your Credit Card number. Present to a Teller for payment to be made onto your Credit Card.

4. You may set up Standing Instructions from your account for Credit Card payments on specific days.

5. By a Mandatory 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).

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.

On your account, you have a total cash withdrawal limit of 30% and a daily cash withdrawal limit.

The maximum daily cash withdrawal limit is GHS5000.00 for Platinum and GHS8000.00 for Infinite.

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.

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.

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.

Your interest free period starts from your cycle date. Transactions done within the first 30 days of your cycle are due for payment by the 50th day. 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.

Standard Chartered Bank has six billing cycles: 1st, 5th, 10th, 15th, 20th and 25th.

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.

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.

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

Your Credit Card is active with at least one transaction in the last three months.

Repayment ratio over three months period should be ≥ 20%
Satisfactory bureau report.

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.

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 GLOBAL.E-STATEMENT-MESA@SC.COM.

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

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.

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.

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.

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

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.

Call Us

Call our hotline for further information.

0302 740100

Email Us

Please send us a message and we will be in touch as soon as possible.

Email Us

Locate Us

Visit the branch that is nearest to you.

Find a Branch
Visa Infinite Credit Card An international card that suits best for travel and leisure.

Disclaimer

This is to inform that by clicking on the hyperlink, you will be leaving www.sc.com/gh and entering a website operated by other parties:

Such links are only provided on our website for the convenience of the Client and Standard Chartered Bank does not control or endorse such websites, and is not responsible for their contents.

The use of such website is also subject to the terms of use and other terms and guidelines, if any, contained within each such website. In the event that any of the terms contained herein conflict with the terms of use or other terms and guidelines contained within any such website, then the terms of use and other terms and guidelines for such website shall prevail.

Thank you for visiting www.sc.com/gh

 

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