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Important Customer Information Calculation of minimum amount due for Credit Cards.

Calculation of Minimum Amount Due for Credit Cards
  • We have made changes to the minimum repayment amount required on Credit Cards. Under the new methodology for calculating the minimum amount due, the minimum amount due will include:
    • Fees and charges.
    • Interest in full (to avoid charging interest on interest).
    • Over-limit amount (if any).
    • Instalment (if an installment loan has been set up on the Card).

    Please note that this new minimum amount due computation came to effect on 1st June 2012.

    An illustration of how the minimum amount due will be calculated is given below:

    • If your current balance is less than KES 1,000, you will need to pay the balance in full.
    • In case the current balance amount is more than or equal to KES 1,000, the minimum amount due will be equivalent to KES 1,000 or 1% of your principal balance amount of your statement balance, whichever is higher plus fees and charges (if applicable) as mentioned below.
    • In addition to the above stated amount, the following fees and charges (all or those as applicable) will also be a part of the minimum payment amount:
      • Instalment (if an instalment loan has been set up on the Card)
      • Annual fee
      • Supplementary annual fee
      • Interest charges
      • Late payment fee
      • Over-limit fee
      • Credit life insurance premium
      • Any amount used over and above the Credit limit of the Credit Card
      • Amount of the unpaid / outstanding minimum payment amount due in the previous month(s)
      • Fixed monthly instalment (if you are subscribed to an instalment plan)

Please note that this new minimum amount due computation came to effect on 1st June 2012.

An illustration of how the minimum amount due will be calculated is given below:

  • If your current balance is less than KES 1,000, you will need to pay the balance in full.
  • In case the current balance amount is more than or equal to KES 1,000, the minimum amount due will be equivalent to KES 1,000 or 1% of your principal balance amount of your statement balance, whichever is higher plus fees and charges (if applicable) as mentioned below.
  • In addition to the above stated amount, the following fees and charges (all or those as applicable) will also be a part of the minimum payment amount:
    • Instalment (if an instalment loan has been set up on the Card)
    • Joining fee
    • Annual fee
    • Supplementary annual fee
    • Interest charges
    • Late payment fee
    • Over-limit fee
    • Credit life insurance premium
    • Any amount used over and above the Credit limit of the Credit Card
    • Amount of the unpaid / outstanding minimum payment amount due in the previous month(s)
    • Fixed monthly instalment (if you are subscribed to an instalment plan)

Credit Card FAQ

    • Access M-PESA on the Safaricom Sim Tool Kit on your mobile phone.
    • Select “Lipa Na M-PESA” on the M-PESA menu.
    • Select “Pay Bill”, then press “Enter Business no” and enter 329 110 then press OK
    • Select “Enter Account no.” which is the number on your Credit Card and press OK.
    • Key in the amount you wish to pay then press OK.
    • Enter your M-PESA PIN and press OK

  • An OTP is a One Time PIN which you will receive on the mobile number that we (Standard Chartered Bank Kenya) hold in our systems. It is a temporary PIN that will be used to change your PIN to a PIN of your choice at a Kenya Standard Chartered Bank ATM.

  • You will receive your credit card within the next 7-14 days, please keep the OTP in a safe place, you will need the OTP to change your PIN to a number of your choice. If you receive your card later than 14 days, please call the client centre on +254 20 329 3900 / +254 722 203666 / +254 732 143900 and request for a new PIN.

  • PIN creation for a new card is a 2 step process:

    1. Once your credit card application is approved and the card is created, a one-time password (OTP) is generated and sent to the phone number you provided in the credit card application. The OTP is valid for 14 days from the day you receive it. You will need the OTP to create a PIN of your choice.
    2. Upon receiving your new credit card, you need to go to an SCB ATM in Kenya1
      • Insert your credit card
      • You will be prompted to enter the OTP
      • From the menu options select the option for PIN change
      • Enter the 4 digit combination you want as your PIN

  • Yes, you can change your PIN at a SCB Kenya ATM1 before activating your card although we recommend you call our call centre to activate your card first. This will give you an opportunity to get any clarification you may need on the PIN change process.

  • You can change your existing credit card PIN at an SCB ATM in Kenya1

    • Visit an SCB ATM in Kenya and insert your credit card
    • You will be prompted to enter your existing PIN to access the menu
    • From the menu options you should select the option for PIN change
    • Enter the 4 digit combination you want as your PIN
    • Call the SCB call centre at +254 20 329 3900 / +254 722 203666 / +254 732 143900
    • When you get to an agent, request to change your credit card PIN. Please note you will be taken through various questions to confirm your identity. This is for your protection.
    • SCB will immediately send them an OTP on the mobile number we hold in our records, it is valid for 14 days
    • You should go to an SCB ATM in Kenya and insert your credit card
    • You will be prompted to enter the OTP
    • From the menu options you should select the option for PIN change
    • Enter the 4 digit combination you want as your PIN

  • The OTP will be valid for 14days

  • OTPs expire after 14 days. Please call the contact centre at +254 20 329 3900 / +254 722 203666 / +254 732 143900 to request a new OTP. The OTP will be sent to the mobile number we hold in our systems.

  • No. The client can only use SCB ATMs in Kenya to set your PIN. In Kenya, there are 10 ATMs which do not allow for PIN Change, the list of ATMs where PIN Change is possible, is provided below.

  • There is no limit to the number of times you can change your credit card PIN

  • Yes you can set your own PIN on replaced cards. Replaced credit cards will follow the same process as that of a new credit card. Refer to point 3 above.

  • For renewed credit cards the PIN on the expired card will continue to work on the renewed card. Should you wish to change this PIN you can visit the nearest SCB Kenya ATM use the PIN on your expired card to change to a PIN of your choice.

  • The OTP will be sent to your mobile number held in our records.

  • No, the One Time PIN is a temporary PIN. The one time PIN is meant to facilitate a secure way for you to set up a PIN of your choice and then use this for POS and ATM transactions going forward.

  • As soon as you have changed your PIN at the ATM to a PIN of your choice, you can use your credit card at a point of sale to purchase goods.

  • Locations Locations Locations Locations
    Bungoma branch Kericho Old Mutual Intercontinental Hotel
    Buru Buru Kiambu Ongata Rongai Junction
    Chiromo Kisii Branch Prestige Plaza Kakamega
    City Mall Kisumu Ruaraka Karen
    Diani Kitale Sarit Centre Kenyatta Ave
    Digo Road Kitengela Branch South C – Total (K) Nakuru
    Donholm-Caltex Koinange Street T.Square Nanyuki
    Eldoret Machakos Thika Ngong Rd.
    Eldoret Veecam hse Malindi T-Mall branch Nyali Plaza
    Enterprise Rd. Maritime Total Argwings Kodhek Nyeri
    Galleria Meru TRM Branch Waiyaki Way Mobil
    Greenspan Moi Avenue United Mall Kisumu Warwick Centre
    Gulf Jogoo Road Muthaiga United Nations Westlands
    Harambee Avenue Nakumatt Embakasi Upper Hill
    Hurlingham Yaya Nakumatt Likoni Village Market

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