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EMT credit card promotions

Presenting the Standard Chartered EaseMyTrip Credit Card

Enjoy flat 20% & 10% discount* on hotel* & flight bookings. #SkipToTheTrip

Credit Cards

Credit Card Features

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Credit Card FAQs

  • A credit card is a simple and efficient way to make payments. It negates the need to carry cash or issue checks and is designed to make spending a rewarding experience. It is the perfect way to handle all physical and online payments and has you covered in the event of a cash emergency too.

  • Standard Chartered credit cards provide you with a plethora of additional benefits to enhance your premium lifestyle.
    ● With a Standard Chartered credit card, you earn cashback on making payments for fuel and other utility bills including your phone bill.
    ● For the jetsetters out there, your Standard Chartered credit card can provide you with a number of travel benefits. Enjoy exclusive lounge access at multiple airports around the globe and gain rewards and cashback on your travel expenses and duty-free shopping.
    ● Movie buffs can especially appreciate our credit card rewards on entertainment and movie expenses. Treat yourself with the premium benefits available to you at a multitude of fine dining restaurants too.
    ● Standard Chartered Credit cards allow you to convert any large transaction into an EMI. You can transfer credit card balance and even balance payment on EMI.
    ● Every contactless credit card purchase presents varied redemption options from our vast catalogue of luxury products and services.

  • To apply for a credit card online with Standard Chartered, you will need to meet the following eligibility criteria:
    ● You are between 21 and 65 years of age
    ● You have a stable monthly income
    ● You belong to the credit card sourcing cities/locations of the bank
    ● You agree to all applications being subject to credit and other policy checks of the bank

  • For a Standard Chartered credit card, you can easily apply online and get an instant in-principle decision regarding your application approval.

    ● You can start the process by submitting your application online. Shortly thereafter, our bank representative will get in touch with you to confirm the online credit card approval. You may also be asked for further documents to complete the process.
    ● Your credit card should arrive within 7-15 days from when you submit your application form and documents. During this time, it will be subject to the final policy and verification checks by our bank. Please feel free to contact our bank anytime for an update on your application and our bank representatives will be ready to assist you.

  • Standard Chartered has a credit card for every lifestyle.

    1. Ultimate card –
    a) 5 reward* points per INR 150 spent (1 reward point = INR 1)
    b) Access to airport lounges and golf clubs
    c) Cashback on duty-free purchases

    2. Standard Chartered EaseMyTrip credit card –
    a)20% instant discount* on hotels and 10% off* on flights on EaseMyTrip
    b) 10X accelerated rewards* on standalone hotels and flight websites/apps/outlets
    c) Complimentary Domestic & International Lounge access*.

    3. Rewards Credit Card –
    a) Get 4 reward points on every INR 150 spent on retail categories*
    b) Enjoy additional 4 reward points* on every INR 150 spent on retail categories* for monthly spends above INR 20,000
    c) Enjoy domestic lounge access* once every quarter

    4. Smart Credit Card –
    a) Enjoy 2%* cashback on all online spends and 1%* cashback on other spends.
    b) Attractive interest rate of 0.99%* per month on Kuch Bhi on EMI (KBE)
    c) Extended interest-free credit period for first 90 days*

    5. DigiSmart Card –
    a) 10-20%* off at Grofers, Zomato, Ola, Myntra
    b) Domestic and international travel discounts
    c) Buy One Get One INOX movie tickets

    6. Manhattan Card –
    a) 5%* shopping cashback with 3x bonus reward points
    b) Travel and shopping discounts.

    7. Super Value Titanium Cashback Credit Card –
    a) 5%* cashback on all utility bills and fuel expenses.

    8. Platinum Rewards –
    a) 5x rewards on every Rs150 spent on dining and fuel
    b) Discounts on shopping, travel etc

    9. Visa Infinite –
    a) Priority bank customers exclusive
    b) Priority pass and lounge access

    10. Bandhan Bank Standard Chartered Credit Cards –
    a) Exclusive privileges for Bandhan Bank customers

    *T&C apply

  • ● The customer’s credit limit is calculated, on credit card application, based on real time credit checks conducted by the bank
    ● The criteria that influences credit limits can include credit score, payment history, age of credit accounts, number of lines of credit, income of the applicant and outstanding debt

  • The monthly interest rate is recalculated as an annual rate, to arrive at the Annualized Percentage Rate (APR).

    ● The monthly interest rate of 3.49%pm for all credit cards is annualized to arrive at an APR of 41.88%.
    ● However, for all Priority Visa Infinite, Ultimate and Emirates World credit cards, the monthly interest rate is 3.10% which gives an APR of 37.20%.
    ● Cash transactions also generally attract an interest rate of 3.49% pm which translates into an APR of 41.88%.

  • Once you buy a credit card from Standard Chartered, the minimum amount due every month shall be the higher of the following two :

    a) 5% of statement outstanding or
    b) Sum total of all installments billed, interest, fees, other charges, amount that is over limit and 1% of the principal or INR 250

  • Your credit card outstanding is the sum total of all expenses paid via your credit card during a billing cycle. This amount also includes the interest accumulated and all charges levied.
    You can access your credit card outstanding by simply checking your account summary at the online Standard Chartered Home page. Standard Chartered also ensures that you receive a monthly email statement with information regarding your outstanding amount, the due date of payment and also an account of any unbilled charges or credit incurred post issuing the bill.
    In case of queries about the same, you can always contact us at our Helpline, based on your location or avail our Phone banking services at https://www.sc.com/in/contact-us/ and we will be happy to assist you.

  • Yes, you can apply for an add-on card. There will not be a separate credit limit for add-on cards; the limit on all cards and for the add-on is a combined amount.

  • Yes, since all overseas transactions are levied with a 3.5% transaction fee. However, for our Ultimate credit card users, there is a reduced Forex mark-up of 2%.

  • A grace period is an interest free period for you to pay your credit card balance in full without any interest rate charges. Do keep in mind that the grace period is calculated based on your billing cycle and not from the date of the transaction.

  • Once you have completed your SC online credit card application, you can check your application status anytime at https://apply.standardchartered.co.in/application-status. You will be asked to fill in your application number and your mobile number. After entering these details you will be redirected to a page that will show your application status.

  • A cash limit is the amount within your credit card limit that can be used for withdrawal. This amount is subject to interest charges as well as a cash withdrawal fee. You can discover your cash limit by simply logging into your online banking account and clicking on the card details option. An another alternative is to log in to SC Mobile and select your card, following which you will be able to view your card details and cash limit.

  • Both credit cards and debit cards are effective and convenient ways to make payments, however a few fundamental differences set these two apart.
    ● Credit cards allow you to borrow cash from the card issuer. A debit card, on the other hand, allows you to only withdraw cash from your own savings or current account with the bank.
    ● In the case of a credit card, you are required to return the borrowed amount within the stipulated time to avoid incurring interest charges. The amount withdrawn from debit cards does not have to be repaid to the bank.
    ● With a credit card, your expenditure is not affected by the size of your savings account. This is especially useful when faced with a cash emergency. A debit card however can only let you spend as much as your savings account permits.

  • VKYC, or simply Video KYC, is a feature that allows you to complete your KYC through a video from the comfort of your home while applying online for a Standard Chartered credit card, personal loan, or savings account. With this feature, our application process becomes even simpler and completely contactless. Click here to learn more.