Loan on Card

Enjoy no-frills, easy loan facility just using your Standard Chartered Credit Card with 'Loan on Card'.

How it works
Cash emergencies are never pre-planned. No matter how prosperous you may be, there may be times when cash in kind is never around. That's why with Standard Chartered 'Loan on Card' we offer you an easy loan facility to get the cash you need in quick time and with no documentation. You also have the benefit of settling the loan in easy instalments at preferential rates. Simply call the Bank and state your requirement. Your request will be processed in two working days.

Key benefits
  • No paper work
  • Easy instalment billing
  • Lower interest rates
  • Quick delivery of pay order

Key features
  • Minimum loan amount: Rs. 50,000
  • Maximum loan amount: up to 70% of the available balance on your Credit Card
  • Loan repayment: Refer to illustration below for a Rs. 50,000 loan,

Tenure 3 6 12 15 24 36
Monthly instalment (Rs.) 16,666.67 8,333.33 4,166.67 3,333.33 2,083.33 1,388.89
One off processing fee (Rs.) 2,875 (5.75%) 3,375 (6.75%) 4,375 (8.75%) 4,950 (9.90%) 6,750 (13.50%) 9,375 (18.75%)
Monthly interest (%) 0% 0% 0% 0% 0% 0%
  • Please call 0112480777 or speak to your relationship manager for updated Loan on Card Processing fee rates and Tenures.
    • You may also request for a Loan on Card by making a request on SC Mobile Banking Application.
  • 360° Rewards Points/Miles will not be awarded for this facility.
  • General Retail credit card Terms & Conditions apply.

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Speaking Up

Standard Chartered Bank (the “Bank”) is committed to maintaining a culture of the highest ethics and integrity, and in compliance with all applicable law, regulation and internal policy. As part of this commitment, the Bank has a ‘Speaking Up’ programme through which genuine concerns in this regard can be raised. Members of the public can securely raise Speaking Up concerns through this hyperlink, which is hosted on behalf of the Bank by a third party ‘InTouch’. Examples of concerns that can be raised through this website are concerns that relate to accounting, internal accounting controls or auditing matters and concerns relating to bribery or banking and financial crime. Concerns received will be forwarded to the Bank’s investigations team for review. Complaints relating to SCB banking services should not be raised through this site in the first instance, but through the SCB branch network, contact centres, Relationship Managers or the ‘Contact Us’ webpage.


Please note that this hyperlink will bring to you to another website on the Internet, which is operated by InTouch, an independent company appointed by the Bank to support its Speaking Up programme. Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the additional terms of use of the website that you are going to visit.