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| Annualized Percentage Rate (w.e.f. 1 May 2021): | The monthly interest rate is annualized to arrive at the annualized percentage rate (APR).
Monthly interest rate of 3.75% pm is annualized to arrive at an APR of 45.00% for all Standard Chartered Credit Cards including Visa Infinite and Emirates World credit cards. However, for all instant credit card variants, the monthly interest rate is 1.99% pm (APR of 23.88%). Cash transactions will also attract an interest rate of 3.75% pm (APR of 45.00%). |
| ATM withdrawals: | INR 100 for statement outstanding balance less than or equal to INR 500.
INR 350 for statement outstanding balance between INR 501 and INR 2,000. INR 500 for statement outstanding balance between INR 2,001 and INR 4,000. INR 700 for statement outstanding balance between INR 4,001 and INR 20,000. INR 800 for statement outstanding balance greater than INR 20,000. |
Subject to documents being complete and accurate, it should take approximately 9 days to get your credit card approved.
The minimum amount due every month shall be higher than the following:
(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
(c) INR 250
In case you have an unpaid minimum amount due from the previous month, the same will be added to the minimum amount due for the current month (as calculated above).
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 that the transactions at merchant establishments that are registered overseas even if the merchant is located in India attract a charge of 1% from Visa / Mastercard which is included as a part of the transaction amount in your statement.
Goods and Services Tax (GST) will be levied at the applicable rates in force on all taxable supplies with effect from 1 July 2017.
₹ 0 for statement outstanding balance less than or equal to ₹ 100. ₹ 100 for statement outstanding balance between ₹ 101 and ₹ 500. ₹ 500 for statement outstanding balance between ₹ 501 and ₹ 5,000. ₹ 700 for statement outstanding balance between ₹ 5,001 and ₹ 10,000. ₹ 800 for statement outstanding balance between ₹ 10,000 and ₹ 25,000. ₹ 1200 for statement outstanding balance greater than ₹ 25,000.
Example: In case there is an outstanding of ₹ 4,000 on your credit card and ₹ 15,000 in your Balance Transfer account and payment is not made by the Payment Due Date. There will be a Late Payment Charge of ₹ 500 in your credit card account and ₹ 800 on your Balance Transfer account. The example above is for illustrative purposes only. All cards and all instalment products such as Instabuy, Balance Transfer, Dial-a-Loan etc. will each attract Late Payment Charges if payment is not made by the Payment Due Date.
The monthly interest rate is annualized to arrive at the annualized percentage rate (APR).
Monthly interest rate of 3.75% pm is annualized to arrive at an APR of 45.00% for all Standard Chartered Credit Cards including Visa Infinite and Emirates World credit cards.
However, for all instant credit card variants, the monthly interest rate is 1.99% pm (APR of 23.88%).
Cash transactions will also attract an interest rate of 3.75% pm (APR of 45.00%).
You must notify us immediately if you become aware that your card has been lost, stolen or misused.
Locations: Ahmedabad, Bangalore, Chennai, Delhi, Hyderabad, Kolkata, Mumbai, Pune
Contact number : 3940 4444 / 6601 4444
Locations: Allahabad, Amritsar, Bhopal, Bhubaneswar, Chandigarh, Cochin / Ernakulam, Coimbatore, Indore, Jaipur, Jalandhar, Kanpur, Lucknow, Ludhiana, Nagpur, Patna, Rajkot, Surat, Vadodara
Contact number : 3940 444 / 6601 444
Locations: Gurgaon, Noida
Contact number : 011 – 39404444 / 011 – 66014444
Locations: Jalgaon, Guwahati, Cuttack, Mysore, Thiruvananthpuram, Vishakhapatnam, Mathura, Proddatur, Dehradun, Saharanpur
Contact number : 1800 345 1000
Locations: Siliguri
Contact number : 1800 345 5000
Visa credit card payment allows you to transfer funds from our existing Standard Chartered account to any Visa credit card within India.
To access this service, click here and just login to online banking.
You can transfer funds to any Visa credit card across India.
Yes, you can pay your Visa credit card bills using Visa credit card payment.
Just enter the card number that you wish to make a payment in the beneficiary card details.
No, you cannot pay your Mastercard credit card bills using Visa credit card payment.
Funds are usually credited within 3-4 working days from the date of receipt of the request.
No , but you need to be a registered user of online banking. There is no separate registration to use the Visa credit card payment service.
You only need to know the 16 digit credit card number of the beneficiary card.
Currently there are no charges levied on this service.
Yes, there is a Minimum Limit of INR 100/- and a Maximum Limit of INR 49,999/- per transfer. The per day Transaction Limit is INR 100,000.
No, once the transfer has been initiated neither can it be stopped nor can the beneficiary card details or transferred amount be changed.
No, only resident bank accounts can be used to transfer funds.
At the merchant site, enter your card details.
You will then be directed to a Standard Chartered security page where you will be required to enter the OTP (One Time Password) that is sent to your registered mobile number and registered email ID.
Enter the OTP and complete the transaction.
Please note that the OTP will appear in lieu of the verified by Visa / Mastercard secure password.
In case you do not receive the OTP within 30 seconds, you can request for another OTP by pressing the “Resend OTP” number.
If you do not receive the OTP after multiple attempts, please call our phone banking numbers to ensure your mobile number is registered with us.
Yes, you can apply for a virtual card for Platinum Rewards credit card. To know more, click here.
The first year fee is INR 250 and the renewal fee (from 2nd year onwards) is also INR 250.
100% cashback upto INR 500 is applicable on Restaurant spends in the first 90 days. Whereas, renewal fee to be reversed on spending INR 60,000 in the Year.
No, supplementary cards do not attract neither a first year fee nor a renewal fee. Joining offers are also not applicable to Supplementary Cards.
Credit card transactions with Merchant Category Code (MCC) 6513 are covered under Rental Payments.
A Merchant Category Code (MCC) is a four-digit number assigned to a merchant/business by the merchant’s acquiring bank. These are defined by networks e.g. Visa, MasterCard.
A processing fee of 1% (plus taxes) would be applicable to all rental transactions. This fee will be over and above any charges applied by the merchant as communicated to the client at the time of transaction.
For example – If you pay INR 20,000 on a third-party rent payment platform using your Standard Chartered Bank Credit Card, 1% of transaction amount i.e. INR 200 plus taxes will be charged as a processing fee
Processing fee on rental payments will be effective from April 02, 2023.
The processing fee will be levied by 15th of the next calendar month and will have a separate narration in the monthly statement.
Your Priority Visa Infinite credit card offers you complimentary membership to Priority Pass, which gives you access to lounges in international airports across the globe. You can log on to www.prioritypass.com for details on the participating lounges. To know more on the terms and conditions, click here.
Standard Chartered Bank has provided below mentioned complimentary Air Accident Insurance on the Standard Priority Visa Infinite Credit Card and will be governed as per respective Product Terms and Conditions available on www.sc.com/in/credit-cards/priority-banking-visa-infinite/
Air Accident Insurance – HDFC ERGO General Insurance Company Ltd.
Policy Number: 2999204852948401000
Details of Sum Insured/Limit of Liability:
| Section | Section name | Sum insured/ Limit of Liability | Deductible/Excess (if applicable) |
| I | Personal Accident | INR | |
| I (A) | Accidental Death (Air Accidents Only) | 10,000,000 | NIL |
Standard Chartered Bank has provided below mentioned complimentary Travel Insurance on the Standard Priority Visa Infinite Credit Card and will be governed as per respective Product Terms and Conditions available on www.sc.com/in/credit-cards/priority-banking-visa-infinite/
Travel Insurance Policy – HDFC ERGO General Insurance Company Ltd.
Policy Number: 2999204251883002000
Details of Sum Insured/Limit of Liability:
| Section | Section name | Sum insured/ Limit of Liability | Deductible/Excess (if applicable) |
| II | Travel Insurance | USD | |
| II (A) | Baggage Delay Maximum per hour: USD 10 per 8 hours | 100 | 12 Hours |
| II (B) | Loss of Baggage & Personal Documents Single Any One Item Limit: USD 30 | 750 | NIL |
| II (C) | Hijacking Amount Payable for every 6 Consecutive hours period: USD 75 | 100 | 24 hours |
| II (D) | Flight Delay Maximum Per hour USD 10 | 200 | 12 Hours |
| II (E) | Emergency Medical Expenses | 25000 | USD 100 |
For claims, you can call HDFC ERGO’s twenty-four (24) hour, seven (7) Days a week, toll-free emergency telephone assistance service
(International Toll Free – accessible from outside India) / 01204507250 (Chargeable)
You can reach out to Standard Chartered Phone banking services for any help and support on Travel Insurance or Air accident Insurance claim.
