TARIFFS AND CHARGES

Table Of Fees

Fee Details* (in Rupees)			Annual Fee (Year 1)	Annual Fee (Year 2 Onwards)**	Supplementary card Joining/Annual Fee	View Details
EaseMyTrip			350	350	350	View Details »
Smart Card			499	499	Nil	View Details »
DigiSmart			49 (monthly)	49 (monthly)	49 (monthly)	View Details »
Platinum Rewards			250	250	Nil	View Details »
Manhattan Platinum			999	999	Nil	View Details »
SuperValue Titanium			750	750	Nil	View Details »
Visa Infinite			Nil	Nil	Nil	View Details »
Ultimate			5000	5000	Nil	View Details »
Rewards Credit card			Nil	1000	1000(Year 2)	View Details »
Beyond Credit card			15,000	25,000	Nil	View Details »

*Charges may vary as per the prevailing promotional offers. These would be informed to the Cardholder at the time of application for the card and will be directly charged to the account and would appear in the monthly credit card statement.

**Annual fee waiver may be applicable for certain credit card variants. Please visit the respective page of the credit card variant for details.

Table Of Other Financial Charges

Other Financial Details Charges	Details
Late Payment Charges (w.e.f. 1 May 2024)	₹ 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. ₹ 1200 for statement outstanding balance greater than ₹ 10,000. Additionally, late fee of ₹100 will get debited if the Minimum Amount Due is not received for 2 or more consecutive months. Example:In case there is an outstanding of INR 12,000 on your Credit Card Account and payment is not made by the Payment Due Date, there will be a Late Payment Charge of INR 1200 in your Credit Card Account. The example above is for illustrative purposes only. Late payment fee shall be levied only on the net outstanding amount (adjusted for payments / refunds / reversed transactions as and when credited) after the payment due date and not on the total amount due. Your Credit Card Account will consist covering all primary and supplementary cards and any installment facility (EMI or loan availed on your credit card) linked to this credit card account. Separate payment will need to be made for each Credit Card account.
Rewards Handling Charges	₹ 99 will be charged towards handling and courier charges for redemption of reward points. for their exclusive rewards program.
Cash Advance Fee	ATM withdrawals: 3% of cash withdrawal amount subject to a minimum of ₹ 300.
Overseas Transactions	All overseas transactions are levied with a 3.5% transaction fee^^. This includes charges paid out to Visa/ Master for converting overseas transactions into INR. Please Note: Transactions at merchant establishments that are registered overseas, even if the merchant is in India attract a charge of 1% from Visa/ MasterCard which is included as a part of the transaction amount in your statement. Standard Chartered is committed to comply with economic sanctions that are imposed by relevant regulatory authorities. As such, we do not allow our products and services to be used directly or indirectly in countries that are subject to such sanctions and will not process transactions which involve these countries. Please note that you will not be able to contact us via phone banking, facsimile transmission, or emails, or access our website and online banking, and we will not be able to provide you with financial services if you are in these countries. We will also not process payment or trade transactions that involve these countries. Please refer to our website at https://www.sc.com for a current list of countries that are subject to economic sanctions.
Surcharges	₹ 25 or 2.5% of transaction (whichever is higher) on Railway transactions. ₹ 10 or 1% of transaction (whichever is higher) on Petrol transactions. The rate of surcharge may vary depending on acquiring bank.
Rental payments	1% processing fee on transaction amount + applicable taxes
Goods and Services Tax	Goods and Services Tax ('GST') at prevailing rates is applicable on all taxable supplies.
Cheque/ Cash Pick up Fee	For overdue card accounts, charge of ₹ 100 will be levied for payments collected by authorized representatives.
Cash Repayment Fee	₹ 299 /- will be charged for making payment of credit card bills by depositing cash at any Standard Chartered Bank branch. These charges will be reflected in the next month’s statement.
Cheque Bounce Charges	₹500 will get debited towards cheque bounce charges
Paper Statement	There will be an applicable fee of INR 99/- per month for paper statement in case the customer opts for both, a paper statement and an electronic statement.
Service Handling Charges	Charges as mentioned in Schedule of charges will be levied only for those services that are available through online banking but are requested by a customer through Phone banking (Non IVR) / Branch banking. For a list of the services that will be charged, please refer the below details.

^^Except overseas transactions on Ultimate Credit Card which are levied with 2% transaction fee.

Service handling charges

Applicable charges - Effective 1st Jan 2019	Charges
BRANCH SERVICE HANDLING CHARGES
Service Requests at the branch	INR 199/-**
PHONE BANKING SERVICE HANDLING CHARGES
Self Service IVR calls	FREE
Non IVR calls attended by Phone Banking Officers	INR 49/-**

** Applicable for all Credit Card variants except Visa Infinite & Ultimate, only for those services that are available through online banking but are requested by a customer through Phone banking (Non IVR) / Branch banking.

GST will be levied at the applicable rates over and above the mentioned charges.

Charges applicable on Personal Segment clients except Visa Infinite & Ultimate.

Please refer to the Schedule of Service Charges (SOSC) for more details.

Services at branch & phone banking (Non IVR) to be charged - Credit Cards	Services at branch & phone banking (Non IVR) to be charged - Savings Account
Outstanding balance / Transaction details	Available balance / Transaction details / Statement details
Product features enquiries	Credit Card status enquiry
PIN no enquiry / reset	PIN No. enquiry / reset
Statement query / details	Request - status (except deliverable status)
Fund transfer / bill payment / Online payment related	Online banking registration / re-registration
Request - status (except deliverable status)	Branch / ATM address / IFSC code
Reward points enquiries / redemption	Reward points enquiries / redemption
Available credit / Cash limit	Fund transfer / bill payment / Online payment related
Branch / ATM address / IFSC	Cheque clearance related / Fund transfer

Minimum Amount Due (MAD) :

The minimum amount due every month shall be higher of 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) Rs 250. Incase 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).

In case of default or if the statement balance is less than Rs 250 the entire outstanding amount may have to be paid. If you spend Rs 10,000 and pay back exactly the MAD every month, it will take approximately 6.5 years to pay back the complete amount. We therefore suggest that whenever your cash flow allows you, do pay back substantially more than your minimum payment due.

Annualised Percentage Rate (APR)

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%).

Interest-free (Grace) Period :

The Payment Due Date on your Card can be between 18 and 25 days after the Statement Date (Please check your statement for your exact Payment Due Date). Therefore, the interestfree credit period can range from 18-48 days to 25-55 days depending on your Payment Due Date. The interest-free period does not apply for cash advances and revolving balances. For these, interest is charged fromthe date of the transaction.We reserve the right to change this interest-free period by giving you notice.

Assume that your Statement Date is 2 Nov (covering transactions billed between 3 Oct and 2 Nov) and your Payment Due Date is 24 Nov. You have paid the total amount due by 24 Nov (making you eligible for interest-free period). In this case, the Payment Due Date is 22 days after the Statement Date and the interest-free period will range from 22-52 days.

For a transaction billed on 3 Oct, the interest-free period is 52 days (from3 Oct to 24 Nov)

For a transaction billed on 2 Nov, the interest-free period is 22 days (from2 Nov to 24 Nov)

Levy of Interest :

In case a cardholder makes partial payment or does not clear the total amount due within the payment due date, interest free credit period will be lost, and interest may be levied from the date of transaction on the daily outstanding amount (adjusted for payments / refunds / reversed transactions as and when credited) and not on the total amount due. Interest shall be charged from the date of transaction to the date of payment.

(Please note that monthly payments will be applied first towards clearing the old outstanding balances.)

Illustrative Example:

Scenario 1: If full payment of total outstanding is made every month before Payment Due Date No Interest will be charged

Scenario 2: If partial payment of total outstanding is made for the first time and hence cardholder choses to avail the revolving facility, then Interest to be levied as below

• Statement Cycle – 5th to 4th of every month
• Statement Generation Date – 4th of every month
• Interest Rate – 3.75% per month

Statement 1: 5th Jan to 4th Feb (Payment due date: 26th Feb)

Assuming all the outstanding till 4th Jan is paid in full and the cardholder is availing the part payment facility for the first time.

Date	Transaction	Amount (INR)
10th Jan	Purchase transaction	10,000.00
17th Jan	Purchase transaction	6,000.00
18th Jan	Fuel Transaction	5,000.00
18th Jan	Fuel Surcharge	50.00
19th Jan	GST on Fuel Surcharge	9.00

Total Amount Due (TAD): INR 21,059.00

Minimum Amount Due (MAD): INR 1,1109.00

Statement 2: 5th Feb to 4th Mar (26th Mar)

Date	Transaction	Amount (INR)
5th Feb	Purchase transaction	21,059.00
12th Feb	Payment received	4,000.00
18th Feb	Purchase Transaction	7,000.00
4th Mar	Purchase Interest	1,322.87

Total Amount Due (TAD): INR 19,381.87

Minimum Amount Due (MAD): INR 1,843.46

Purchase Interest: [daily outstanding amount * 3.75% * 12 * (no. of days/365)]

Transaction on 10th Jan (from 10th Jan to 11th Feb) – 10,000 * 3.75% * 12 * 33/365 = INR 406.85

Transaction on 10th Jan (from 12th Feb to 4th Mar) – 6,000 * 3.75% * 12 * 21/365 = INR 155.34 (adjusted for Payment of INR 4,000 on 12th Feb)

Transaction on 17th Jan (from 17th Jan to 4th Mar) – 6,000 * 3.75% * 12 * 47/365 = INR 347.67

Transaction on 18th Jan (from 17th Jan to 4th Mar) – 5,000 * 3.75% * 12 * 46/365 = INR 283.56

Fuel surcharge on 18th Jan = INR 0

GST on Fuel surcharge on 19th Jan = INR 0

Transaction on 18th Feb (from 18th Feb to 4th Mar) – 7,000 * 3.75% * 12 * 15/365 = INR 129.45

Statement 3: 5th Mar to 4th Apr

Date	Transaction	Amount (INR)
5th Mar	Previous Balance	19,381.87
5th Mar	GST on Purchase Interest	238.12
15th Mar	Purchase transaction	1,000.00
18th Mar	Payment received	19,381.87
4th Apr	Purchase Interest	388.34

Purchase Interest: [daily outstanding amount * 3.75% * 12 * (no. of days/365)]

Transaction on 10th Jan (from 5th Mar to 17th mar) – 6,000 * 3.75% * 12 * 13/365 = INR 96.16

Transaction on 17th Jan (from 5th Mar to 17th mar) – 6,000 * 3.75% * 12 * 13/365 = INR 96.16

Transaction on 18th Jan (from 5th Mar to 17th mar) – 5,000 * 3.75% * 12 * 13/365 = INR 80.13

Transaction on 18th Feb (from 5th Mar to 17th mar) – 7,000 * 3.75% * 12 * 28/365 = INR 112.19

Transaction on 15th Mar (from 15th Mar to 17th mar) – 1,000 * 3.75% * 12 * 3/365 = INR 3.70