The monthly interest rate is annualized to arrive at the annualized percentage rate (APR).

Monthly interest rate of 3.75% pm is annualized to arrive at an APR of 45.00% for all Standard Chartered Credit Cards including Visa Infinite and Emirates World credit cards.

However, for all instant credit card variants, the monthly interest rate is 1.99% pm (APR of 23.88%).

Cash transactions will also attract an interest rate of 3.75% pm (APR of 45.00%).

You must notify us immediately if you become aware that your card has been lost, stolen or misused.

Locations: Ahmedabad, Bangalore, Chennai, Delhi, Hyderabad, Kolkata, Mumbai, Pune

Contact number : 3940 4444 / 6601 4444

Locations: Allahabad, Amritsar, Bhopal, Bhubaneswar, Chandigarh, Cochin / Ernakulam, Coimbatore, Indore, Jaipur, Jalandhar, Kanpur, Lucknow, Ludhiana, Nagpur, Patna, Rajkot, Surat, Vadodara

Contact number : 3940 444 / 6601 444

Locations: Gurgaon, Noida

Contact number : 011 – 39404444 / 011 – 66014444

Locations: Jalgaon, Guwahati, Cuttack, Mysore, Thiruvananthpuram, Vishakhapatnam, Mathura, Proddatur, Dehradun, Saharanpur

Contact number : 1800 345 1000

Location: Siliguri

Contact number : 1800 345 5000

1. Bill Desk
   From different bank accounts directly to your card account. Click here for more details.
2. NEFT / IBFT
   From your bank account directly to your card account by quoting the IFSC code SCBL0036001 and the address as MG Road, Mumbai.
3. Visa money transfer
   In case of Visa franchisee credit cards, pay through your bank account using Visa money transfer.
   Fees for Visa money transfer may be levied by the initiating bank.
4. Standard Chartered online banking
   Standard Chartered account holders can pay through an account transfer.
5. NACH
   National Automated Clearing House facilitates standing instructions from your account to the credit card.
   This can be initiated by submitting an NACH form authorizing transfer of funds.
   This form needs to be attested by the bank from where the payment needs to be made.
   You are responsible for ensuring that the debit instruction is honored.
6. Cheque / Draft payment
   Dropping a cheque or a draft in favour of your Standard Chartered bank card no. xxxx xxxx xxxx xxxx (your 16 digit card number) into any of our cheque collection boxes.
   Visit here  for the complete list of the locations of cheque collection boxes.
   The cheque or draft should be complete in all respects. Any material alteration must be duly counter signed.
   Make your payments at least 3 days in advance of your payment due date to facilitate the timely credit of the funds into your card account. Note that your credit limit will only be increased by the amount you have repaid after our receipt of your funds. In case we do not receive payment by the payment due date, we reserve the right to levy interest and late payment charges. If you hold multiple cards or EMI accounts with us, please give us clear instructions on the allocation of payment to these various card accounts on the reverse of your cheques. If you are issuing separate cheques for each card account, then you should clearly specify not to allocate on the reverse of the cheque.In the absence of any specific information on this front, we will apply the funds first towards clearance of the minimum amount due in respect of all card accounts you hold with us.Thereafter, the excess payment will be allocated sequentially towards payment of the card account with highest balance.If any of your card account is overdue, we reserve the right to prioritize payments to overdue accounts first as per our internal policy.For cash payments, funds transfer and payment through online banking, individual payment should be made against each of the accounts.
7. Cash
   Cash payments can only be deposited at our branches using teller facilities. INR 100 will be charged per payment transaction for card payment made by depositing cash at any Standard Chartered branch. The same will reflect in the next month’s statement.

Visa credit card payment allows you to transfer funds from our existing Standard Chartered account to any Visa credit card within India.

To access this service, click here and just login to online banking.

You can transfer funds to any Visa credit card across India.

Yes, you can pay your Visa credit card bills using Visa credit card payment.

Just enter the card number that you wish to make a payment in the beneficiary card details.

No, you cannot pay your Mastercard credit card bills using Visa credit card payment.

Funds are usually credited within 3-4 working days from the date of receipt of the request.

No , but  you need to be a registered user of online banking. There is no separate registration to use the Visa credit card payment service.

You only need to know the 16 digit credit card number of the beneficiary card.

Currently there are no charges levied on this service.

Yes, there is a Minimum Limit of INR 100/- and a Maximum Limit of INR 49,999/- per transfer. The per day Transaction Limit is INR 100,000.

No, once the transfer has been initiated neither can it be stopped nor can the beneficiary card details or transferred amount be changed.

No, only resident bank accounts can be used to transfer funds.

At the merchant site, enter your card details.

You will then be directed to a Standard Chartered security page where you will be required to enter the OTP (One Time Password) that is sent to your registered mobile number and registered email ID.

Enter the OTP and complete the transaction.

Please note that the OTP will appear in lieu of the verified by Visa / Mastercard secure password.

In case you do not receive the OTP within 30 seconds, you can request for another OTP by pressing the “Resend OTP” number.

If you do not receive the OTP after multiple attempts, please call our phone banking numbers to ensure your mobile number is registered with us.

Yes, you can apply for a virtual card for Platinum Rewards credit card. To know more, click here.

The first year fee is INR 250 and the renewal fee (from 2nd year onwards) is also INR 250.

100% cashback upto INR 500 is applicable on Restaurant spends in the first 90 days. Whereas, renewal fee to be reversed on spending INR 60,000 in the Year.

No, supplementary cards do not attract neither a first year fee nor a renewal fee. Joining offers are also not applicable to Supplementary Cards.