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Special Features & Benefits

Global Acceptability

Your Standard Chartered Credit Card can be used at more than 50,000 establishments in Pakistan and millions of locations worldwide. This gives you the convenience, recognition and security wherever you are. With the Standard Chartered 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

Cash Advance Facility

With your Standard Chartered Credit Card you do not need to carry cash any more. You can withdraw cash up to 30% of your available credit limit at any Visa / MasterCard ATM across the globe. Cash can also be withdrawn 'Over-the-Counter' at financial institutions worldwide or at any of the Standard Chartered branches and all other Visa / MasterCard member banks in Pakistan.

Supplementary Cards

Gift your family members, friends, employees or absolutely anyone, with exclusive Standard Chartered Visa / MasterCard Supplementary Cards and let them enjoy the privileges these Cards have to offer. You can have up to 5 Supplementary Cards made for anyone who is more than 18 years of age.

Foreign Transactions

When you use your Credit Card abroad, the transaction amount will be converted from the transaction currency to US Dollars, based on the international exchange rate prevailing on that date. In order to assist Card members, all transactions will be converted into Pak Rupees for payment.


Now you can receive your Credit Card statements through email anywhere in the world – absolutely free. And if you do not have an email address then till such time that you do, you will continue to receive your Credit Card statements by courier.

Revolve Your Credit

Standard Chartered gives you the option of paying the minimum amount, which would only be 1% of your principal balance amount or Rs 500 (which ever is greater) by the payment due date. Service charges are levied on the balance unpaid and balance amount is carried forward. The following month either pays the full amount or if you wish pay only the minimum amount due and revolve again.

Auto Debit

You have the convenience of making minimum or 100% payment as specified on the monthly statement, through your Standard Chartered Bank account. If you wish to use this facility, please contact our Customer Services Staff at least 2 days before your statement date.

Balance Transfer Facility

Transfer any credit cards outstanding balance to Standard Chartered Credit Cards and receive Reward points as a result. These points can be used for exciting gifts that you will find in our Rewards Catalogue.


The most comprehensive rewards program for Visa Credit Card members packed with more style, variety and unbeatable value than ever before. For every Rs. 50 you spend on your Credit Card, earn 1 Reward Point. So the more you spend, the more points you gain. Then simply exchange the accumulated Rewards Points from a range of exciting gifts present in our Rewards Catalogue.

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. So make sure you report the loss immediately upon discovery.

Credit Cover

In the unfortunate event of an illness, injury or death Standard Chartered will always be there to cover your payments. The entire outstanding amount on your Standard Chartered Credit Card will be waived without causing any inconvenience to your near and dear ones. These waivers also include any Supplementary Credit Card transactions made on your Credit Card.


    • How and where can I use my Standard Chartered Credit Card?
      Your Standard Chartered Credit Card can be used in Pakistan and as well as globally for any transaction at any merchant outlet accepting Visa and/or MasterCard Credit Cards.

    • Is there a cash withdrawal limit with my credit card?
      Cash withdrawal is limited to 30% of your available credit limit.

    • Will I be charged any cash withdrawal / cash advance fee?
      For cash withdrawals through ATM's or over the counter transactions, a nominal fee will be charged as per the Schedule of Charges.

    • Can I transfer the outstanding balance from another bank's Credit Card to my Standard Chartered Credit Card?
      Yes, you can transfer your other Credit Card's outstanding balance to your Standard Chartered Credit Card at a nominal financial charge of 3.25% per month (MasterCard) and 3.25% per month (Visa). When you transfer balances on to your Standard Chartered Credit Card, you will also earn Treasure points, which you can redeem for exciting gifts from our Treasures Catalogue.

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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.