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Understanding Late Payment Charge on Credit Cards

Learn about credit card late payment charge and how to avoid incurring late payment charges.

Please note that a late payment charge of S$100 will be charged if the minimum payment due, as indicated on your statement, is not received by us by the due date. For the avoidance of doubt, this late payment charge also applies to Credit Card Funds Transfer and CashOne instalment loan accounts.

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How to avoid a late payment charge?

Simply ensure your payments are credited to your account by the payment due date which is indicated in your statement.

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Are there ways to remind me of my payment due date?

Subscribe to eStatement or register for payment related alerts and notifications via Standard Chartered Online Banking or Mobile Banking App.

What are the available modes of payments?

Listed are the convenient payment methods.

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Instant payment channels:
Payment Channel
How to make your payments
Standard Chartered Online Banking ·Log-in to your Standard Chartered Online Banking

·Select “Pay SC Credit Cards”

·Select the credit card you are making payment to and follow onscreen instructions to complete the payment.

Standard Chartered Mobile Banking App ·Log-in to your Standard Chartered Mobile Banking App

·Select “Pay SC Credit Cards”

·Select the credit card you are making payment to and follow onscreen instructions to complete the payment.

Fast and Secure Transfers (FAST) ·Log-in to your other bank’s internet banking

·Make a local transfer to the other Bank Account

·Add your Standard Chartered Credit Card account(s), if you have not

·Pay into your Standard Chartered Credit Card account(s)

Cash Deposit Machines (CDM) ·No card required. Just key in your 16-digit credit card number

·Please note that repayment of credit cards via CDM will be capped based on your card’s outstanding balance (rounding up to the nearest SGD 1,000) or a maximum repayment limit of SGD 65,000

Other payment channels:

Please note that payment is effective only when cleared funds are received in your Standard Chartered account.

Payment Channel
How to make your payments
GIRO Arrange for your Credit Card or Personal Loan payments to be debited automatically each month from your designated bank account. Simply download the Interbank GIRO form here to apply. If the debiting account is from Standard Chartered Bank (Singapore) Limited, this may take up to 2 weeks for processing. For all other banks, it may take 4 to 6 weeks.

FAQs

  • Late payment charge is levied once the minimum payment due is not received by the bank by the due date indicated on your statement.

  • You may submit your requests for waiver of late payment charges through:

    SC Mobile or Online Banking

    • Step 1: Login to SC Mobile or Online Banking
    • Step 2: Select “Help & Services”
    • Step 3: Select “Card Management”
    • Step 4: Select “Credit Card Fee Waiver”
    • Step 5: Select eligible card for fee waiver

    Automated phone banking system

    • Step 1: Call the bank’s hotline
    • Step 2: Press 2 for Fee Waivers
    • Step 3: Press 2 for Credit Card Late Fee Waiver
    • Step 4: Enter 16-digit Credit Card number
  • Your waiver request was reviewed against your repayment history together with any past waivers provided. As a gesture of goodwill, we will offer all clients one late payment charge waiver across all their eligible account(s) with the Bank (where the account is valid and is in good standing; not delinquent for more than 30 days or more) within a period of 12 months. As you have received a waiver in the past 12 months, we are unable to grant any further waivers. Please pay your outstanding bill promptly to avoid further charges.

  • The one late payment charge waiver given within the period of 12 months will only be based on the latest charge found on your current or unbilled statement.

  • Merchant refunds are not considered as payments to your card account. Please ensure payments are made to your account by the payment due date which is indicated in your statement, to avoid any late payment charges.

  • We understand that challenging situations may arise, such as major medical emergencies or other unfortunate situations. The Bank can offer options to assist you with timely repayments, including instalment payment plans and a review of the finance charges on your account. You may submit your appeal via the secured mailbox option via your Standard Chartered Online Banking or Mobile App. Please select “Cards” and “Inquiry” under Message Category and provide the following mandatory information in your request along with the subject title: “Appeal for Credit Card Fee Waiver”: so we may proceed to review your appeal request:

    • Appeal reason
    • Relationship to the client (based on appeal reason; if applicable)
    • Details or description of your appeal
    • Date of occurrence

    Please allow 5 working days for the bank to review your appeal. Do note that the Bank will not be able review any appeals that has been submitted with incomplete information.