The Most Powerful Credit Card in Pakistan.
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Special Features

Complimentary PIA Awards +Plus Membership
PIA Awards +Plus

A distinctive frequent flyer program greets air travelers to a world of exceptional travel privileges and rewards. Whether you are looking for free tickets, class upgrades, excess baggage options, business lounge access, or privileged check-in counters, PIA Awards + Plus is the right travel companion for you.

And you earn this privilege by flying on PIA's network of 52 destinations around the globe. The PIA Awards +Plus Program offers you an Emerald Membership, a Sapphire Membership, or a Diamond Membership. The more you travel, the more you get to enjoy the benefits of PIA Awards +Plus Program.

Awards +Plus Cards
  • PIA CoBrand Credit Cardmembers will get an Awards +Plus card within 4 weeks of activation of PIA CoBrand Credit Card
  • 1,000 bonus Airmiles upon becoming an Awards +Plus Member
  • Sapphire Awards Plus Card is valid for a period of 3 years
  • Emerald Awards Plus Card has no validity period
  • PIA Awards +Plus Terms and Conditions will apply

The Emerald Awards +Plus Card is issued with PIA CoBrand Classic Credit Card. As an Emerald Member, you are entitled to the following benefits:

  • 10% bonus Airmiles for traveling in Economy Plus Class
  • 25% bonus Airmiles for traveling in Business Class
  • Check-In at Awards +Plus counter where available

The Sapphire Awards +Plus Card is issued with PIA CoBrand Gold Credit Card. As a Sapphire Member, you will enjoy the following value added benefits:

  • 25% bonus Airmiles on all PIA trips
  • 10% bonus Airmiles for travel in Economy Plus Class
  • 25% bonus Airmiles for travel in Business Class
  • 10kg Extra baggage allowance in addition to entitlement as per ticket (not applicable on journeys to / from US & Canada)
  • Check-In at Awards +Plus counter (Business Class counter in the absence of Awards +Plus counter)

PIA Awards +Plus Membership Status Terms & Conditions:

  • Sapphire card tier validity for a period of 3 years (PIA Gold CoBrand card members will enjoy the benefits of complimentary membership of Sapphire Award plus card for a period of 3 year from the date of issuance of Sapphire card)
  • Sapphire Award plus membership tier will be downgraded after completion of 3 years. To retain or upgrade the membership level, card member has to fulfil the PIA criteria
  • PIA Criteria: Minimum 25 trips within a calendar year or 30,000 Airmiles to be earned on Sapphire Card (Excluding Bonus Airmiles & Credit Card points)
Spend and Fly

Your PIA CoBrand Credit Card helps you accumulate Airmiles at an incredible rate; every time you shop, and every time you fly. Here's how:

  • You will earn 1 Air mile on every Rs. 50 spend on your PIA CoBrand Credit Card which is automatically transferred to your PIA Awards +Plus Card once in a month
  • Whenever you purchase your ticket from PIA booking office, you will get Airmiles on your PIA Awards +Plus Card by presenting your PIA Awards +Plus Card / Frequent Flyer Number when booking your ticket. For More details, please log onto
Upgrade Check-In

What's more, as an Emerald Cardmember, you may check in at Awards +Plus counter where available and as a Sapphire Cardmember, you may check in at Awards +Plus counter and Business Class counter in the absence of Awards +Plus counter.

Redeeming Airmiles is as easy as earning them. When you are ready to reward yourself or your family, you can redeem your Airmiles for any of the following:

  • Free Tickets
  • Excess Baggage
  • Class Upgrade

Click here to view Airmile redemption catalogue

More Features & Benefits

Global Acceptability

Your Standard Chartered PIA CoBrand Credit Card can be used at more than 30,000 establishments in Pakistan and over 24 million locations worldwide. This gives you convenience, recognition and security wherever you are. With the Standard Chartered PIA CoBrand Credit Card, you can pay for shopping, meals, travel, entertainment; virtually anything that money can buy. Whether you spend in dollars or in any other currency, all your billings will be in Pak Rupees.

Buy Now, Pay Later

With your Standard Chartered PIA CoBrand Credit Card, you have a free credit period of upto 51 days to pay for your purchases. Standard Chartered PIA CoBrand Credit Cards give you the option of paying the minimum amount, which would be only 5% of your outstanding balance or Rs 500 (whichever is greater) by the payment due date.

Cash Advance

You do not need to carry cash any more, if you have a Standard Chartered PIA CoBrand Credit Card. Any amount up to 30% of your credit limit is available to you as cash. You can obtain cash advance at ATMs and financial institutions worldwide displaying the Visa logo.

Standard Chartered PIA CoBrand Cardmembers can obtain cash advance at ATMs displaying the PLUS logo which is also printed on the back of the Visa Card.

Supplementary Cards

Share the experience with your loved ones! You can gift family members, employees, or absolutely anyone with a PIA CoBrand Supplementary Card and let them enjoy the benefits and privileges PIA CoBrand Credit Cards have to offer. Avail up to 5 Supplementary Cards and have them made for anyone who is more than 18 years of age. All your Supplementary Cardmembers share your basic credit limit. The Supplementary Cards will carry a separate account number so that incase of loss or theft, only the affected cards need cancellation. The unaffected Card(s) continue to enjoy uninterrupted Card usage. All charges incurred on the Supplementary Cards will be reported on your monthly statement.


It's always our priority to provide our customers with more and more convenience. Standard Chartered offers you the facility to have your Credit Card statements emailed to you so you can stay updated, yet have the freedom to be absolutely anywhere.

SMS Banking

Our free Internet Banking Service gives you the ability to manage your Credit Card and Bank Account 24 hours a day, 7 days a week.

24-Hour Customer Service

Our 24-hour, well-trained and qualified team of Customer Service experts are there to help you with your requests. They will be able to assist you by:

  • Answering your queries
  • Registering and resolving your complaints
  • Reporting a lost or stolen card

Standard Chartered's 24 hour Customer Services is on call at UAN 111 002 002. Similarly, you may reach PIA's Customer Services on UAN 111-786-786. You may e-mail the bank on or e-mail PIA on

Zero Loss Liability

Isn't it comforting to know that if you lose your Card you would have nothing to worry about? You are covered for all fraudulent charges made on your Credit Card as soon as it has been reported lost to Standard Chartered Bank. So make sure you report the loss immediately upon discovery.

Travel Accident Cover (International Travel)

In case of death due to an accident while travelling on any common carrier (provided the tickets are purchased on your PIA CoBrand Credit Card) is valid for cover up to Rs. 3.5 million on a PIA CoBrand Visa Classic Card and up to Rs. 7 million on a PIA CoBrand Visa Gold Card.

Travel Inconvenience Cover (International Travel)

If your flight / baggage is delayed by more than 6 hours, then you may enjoy refreshments and meals and have then charged to your PIA CoBrand Credit Card. Charges made up to Rs. 15,000 may be claimed for reimbursement. Furthermore, in the event that your baggage is lost, please use your PIA CoBrand Credit Card to buy the necessary items lost in the baggage and claim reimbursement up to Rs. 30,000.


    • What is a Standard Chartered PIA CoBrand Credit Card and how is it different from the other Credit Cards?
      Standard Chartered Bank and Pakistan International Airline have, once again, joined hands to re-introduce the first ever Frequent Flyer CoBrand Credit Card in Pakistan.
      This powerful card combines the global privileges of Standard Chartered Credit Cards with the unique features of the Awards +Plus Frequent flyer Cards promising you unparallel value.

    • What is the PIA CoBrand Credit Card Rewards Program?
      The PIA CoBrand Credit Card Rewards Program allows you to earn Airmiles at an incredible rate; you can earn 1 Airmile on every Rs. 50 that you spend on your PIA CoBrand Credit Card and against every mile that you travel on PIA.

    • How can I enroll myself in PIA Awards +Plus Program?
      You will automatically get enrolled in PIA Awards +Plus Program once you activate your Standard Chartered PIA CoBrand Credit Card.

    • Do I have to pay a fee for becoming a PIA Awards +Plus Cardmember?
      No, you will receive your PIA Awards +Plus Membership Card absolutely free within 4 weeks of activation of your PIA CoBrand Credit Card.

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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. Compliants 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.