| Min Age | |
| Max Age | |
| Min Salary | |
| Resident Status | |
| Others |
| Type | Charges |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Annual fee for 1st year Rs 499 & 2nd year onwards Rs 499 to 900 |
| Add-on Card Joining Fee | |
| Add-on Card Annual Fee | |
| Card Replacement Fee (lost or stolen or re -issue) | |
| Cash Payment Fee | Rs 100 |
| Duplicate Statement Fee | |
| Chargeslip Retrieval Fee or Copy Request Fee | |
| Outstation Cheque Fee | |
| Mobile Alerts for Transactions | |
| Hotlisting Charges | |
| Balance Enquiry Charges | |
| Finance Charges (Retail Purchases & Cash) | |
| Cash Withdrawal Fees | |
| Overdue Penalty or Late Payment Fee | Rs 100 for statement outstanding balance(SOB) less than or equal to Rs 500. Rs 350 for SOB between R |
| Over Limit Penalty | Rs 500 per instance or 2.5% of the Overlimit amount. (Minimum Rs 500) |
| Cheque return or dishonour Fee or Auto-debit Reversal | |
| Surcharge on purchase or cancellation of Railway Tickets | Railway transactions. Rs 10 or 2.5% of transaction |
| Foreign Currency Transaction Fee | |
| Service Tax | 15% for all service charges |
| Min Age | |
| Max Age | |
| Min Salary | |
| Resident Status | |
| Others |
| Type | Charges |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Nil |
| Add-on Card Joining Fee | |
| Add-on Card Annual Fee | |
| Card Replacement Fee (lost or stolen or re -issue) | |
| Cash Payment Fee | Rs 100 |
| Duplicate Statement Fee | |
| Chargeslip Retrieval Fee or Copy Request Fee | |
| Outstation Cheque Fee | |
| Mobile Alerts for Transactions | |
| Hotlisting Charges | |
| Balance Enquiry Charges | |
| Finance Charges (Retail Purchases & Cash) | |
| Cash Withdrawal Fees | |
| Overdue Penalty or Late Payment Fee | Rs 100 for statement outstanding balance(SOB) less than or equal to Rs 500. Rs 350 for SOB between R |
| Over Limit Penalty | Rs 500 per instance or 2.5% of the Overlimit amount. (Minimum Rs 500) |
| Cheque return or dishonour Fee or Auto-debit Reversal | |
| Surcharge on purchase or cancellation of Railway Tickets | Railway transactions. Rs 10 or 2.5% of transaction |
| Foreign Currency Transaction Fee | |
| Service Tax | 15% for all service charges |
| Min Age | |
| Max Age | |
| Min Salary | |
| Resident Status | |
| Others |
| Type | Charges |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Annual fee for 1st year Rs 499 & 2nd year onwards Rs 750 |
| Add-on Card Joining Fee | |
| Add-on Card Annual Fee | |
| Card Replacement Fee (lost or stolen or re -issue) | |
| Cash Payment Fee | Rs 100 |
| Duplicate Statement Fee | |
| Chargeslip Retrieval Fee or Copy Request Fee | |
| Outstation Cheque Fee | |
| Mobile Alerts for Transactions | |
| Hotlisting Charges | |
| Balance Enquiry Charges | |
| Finance Charges (Retail Purchases & Cash) | |
| Cash Withdrawal Fees | |
| Overdue Penalty or Late Payment Fee | Rs 100 for statement outstanding balance(SOB) less than or equal to Rs 500. Rs 350 for SOB between R |
| Over Limit Penalty | Rs 500 per instance or 2.5% of the Overlimit amount. (Minimum Rs 500) |
| Cheque return or dishonour Fee or Auto-debit Reversal | |
| Surcharge on purchase or cancellation of Railway Tickets | Railway transactions. Rs 10 or 2.5% of transaction |
| Foreign Currency Transaction Fee | |
| Service Tax | 15% for all service charges |
| Min Age | |
| Max Age | |
| Min Salary | |
| Resident Status | |
| Others |
| Type | Charges |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Annual fee for 1st year Rs 399 & 2nd year onwards Rs 750 |
| Add-on Card Joining Fee | |
| Add-on Card Annual Fee | |
| Card Replacement Fee (lost or stolen or re -issue) | |
| Cash Payment Fee | Rs 100 |
| Duplicate Statement Fee | |
| Chargeslip Retrieval Fee or Copy Request Fee | |
| Outstation Cheque Fee | |
| Mobile Alerts for Transactions | |
| Hotlisting Charges | |
| Balance Enquiry Charges | |
| Finance Charges (Retail Purchases & Cash) | |
| Cash Withdrawal Fees | |
| Overdue Penalty or Late Payment Fee | Rs 100 for statement outstanding balance(SOB) less than or equal to Rs 500. Rs 350 for SOB between R |
| Over Limit Penalty | Rs 500 per instance or 2.5% of the Overlimit amount. (Minimum Rs 500) |
| Cheque return or dishonour Fee or Auto-debit Reversal | |
| Surcharge on purchase or cancellation of Railway Tickets | Railway transactions. Rs 10 or 2.5% of transaction |
| Foreign Currency Transaction Fee | |
| Service Tax | 15% for all service charges |
| Min Age | |
| Max Age | |
| Min Salary | |
| Resident Status | |
| Others |
| Type | Charges |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Annual fee for 1st year Rs 499 & 2nd year onwards Rs 999 |
| Add-on Card Joining Fee | |
| Add-on Card Annual Fee | |
| Card Replacement Fee (lost or stolen or re -issue) | |
| Cash Payment Fee | Rs 100 |
| Duplicate Statement Fee | |
| Chargeslip Retrieval Fee or Copy Request Fee | |
| Outstation Cheque Fee | |
| Mobile Alerts for Transactions | |
| Hotlisting Charges | |
| Balance Enquiry Charges | |
| Finance Charges (Retail Purchases & Cash) | |
| Cash Withdrawal Fees | |
| Overdue Penalty or Late Payment Fee | Rs 100 for statement outstanding balance(SOB) less than or equal to Rs 500. Rs 350 for SOB between R |
| Over Limit Penalty | Rs 500 per instance or 2.5% of the Overlimit amount. (Minimum Rs 500) |
| Cheque return or dishonour Fee or Auto-debit Reversal | |
| Surcharge on purchase or cancellation of Railway Tickets | Railway transactions. Rs 10 or 2.5% of transaction |
| Foreign Currency Transaction Fee | |
| Service Tax | 15% for all service charges |
| Min Age | |
| Max Age | |
| Min Salary | |
| Resident Status | |
| Others |
| Type | Charges |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Annual fee for 1st year Rs 399 & 2nd year onwards Rs 750 |
| Add-on Card Joining Fee | |
| Add-on Card Annual Fee | |
| Card Replacement Fee (lost or stolen or re -issue) | |
| Cash Payment Fee | Rs 100 |
| Duplicate Statement Fee | |
| Chargeslip Retrieval Fee or Copy Request Fee | |
| Outstation Cheque Fee | |
| Mobile Alerts for Transactions | |
| Hotlisting Charges | |
| Balance Enquiry Charges | |
| Finance Charges (Retail Purchases & Cash) | |
| Cash Withdrawal Fees | |
| Overdue Penalty or Late Payment Fee | Rs 100 for statement outstanding balance(SOB) less than or equal to Rs 500. Rs 350 for SOB between R |
| Over Limit Penalty | Rs 500 per instance or 2.5% of the Overlimit amount. (Minimum Rs 500) |
| Cheque return or dishonour Fee or Auto-debit Reversal | |
| Surcharge on purchase or cancellation of Railway Tickets | Railway transactions. Rs 10 or 2.5% of transaction |
| Foreign Currency Transaction Fee | |
| Service Tax | 15% for all service charges |
| Min Age | |
| Max Age | |
| Min Salary | |
| Resident Status | |
| Others |
| Type | Charges |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Rs 3000 to 13999 |
| Add-on Card Joining Fee | |
| Add-on Card Annual Fee | |
| Card Replacement Fee (lost or stolen or re -issue) | |
| Cash Payment Fee | Rs 100 |
| Duplicate Statement Fee | |
| Chargeslip Retrieval Fee or Copy Request Fee | |
| Outstation Cheque Fee | |
| Mobile Alerts for Transactions | |
| Hotlisting Charges | |
| Balance Enquiry Charges | |
| Finance Charges (Retail Purchases & Cash) | |
| Cash Withdrawal Fees | |
| Overdue Penalty or Late Payment Fee | Rs 100 for statement outstanding balance(SOB) less than or equal to Rs 500. Rs 350 for SOB between R |
| Over Limit Penalty | Rs 500 per instance or 2.5% of the Overlimit amount. (Minimum Rs 500) |
| Cheque return or dishonour Fee or Auto-debit Reversal | |
| Surcharge on purchase or cancellation of Railway Tickets | Railway transactions. Rs 10 or 2.5% of transaction |
| Foreign Currency Transaction Fee | |
| Service Tax | 15% for all service charges |
| Min Age | |
| Max Age | |
| Min Salary | |
| Resident Status | |
| Others |
| Type | Charges |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Annual fee for 1st year Rs 4995 & for 2nd year onwards Rs 6000 |
| Add-on Card Joining Fee | |
| Add-on Card Annual Fee | |
| Card Replacement Fee (lost or stolen or re -issue) | |
| Cash Payment Fee | Rs 100 |
| Duplicate Statement Fee | |
| Chargeslip Retrieval Fee or Copy Request Fee | |
| Outstation Cheque Fee | |
| Mobile Alerts for Transactions | |
| Hotlisting Charges | |
| Balance Enquiry Charges | |
| Finance Charges (Retail Purchases & Cash) | |
| Cash Withdrawal Fees | |
| Overdue Penalty or Late Payment Fee | Rs 100 for statement outstanding balance(SOB) less than or equal to Rs 500. Rs 350 for SOB between R |
| Over Limit Penalty | Rs 500 per instance or 2.5% of the Overlimit amount. (Minimum Rs 500) |
| Cheque return or dishonour Fee or Auto-debit Reversal | |
| Surcharge on purchase or cancellation of Railway Tickets | Railway transactions. Rs 10 or 2.5% of transaction |
| Foreign Currency Transaction Fee | |
| Service Tax | 15% for all service charges |
"Standard Chartered PLC is a British multinational banking and financial services company headquartered in London. It operates a network of more than 1,700 branches and outlets (including subsidiaries, associates and joint ventures) across more than 70 countries and employs around 87,000 people. It is a universal bank with operations in consumer, corporate and institutional banking, and treasury services. Despite its UK base, it does not conduct retail banking in the UK, and around 90% of its profits come from Asia, Africa and the Middle East. Standard Chartered Bank is India's largest international bank with 99 branches in 42 cities, and this bank is been operating in India since 1858 In 1858, it opened its first branches in Calcutta, Bombay and Shanghai. Standard Chartered Bank is offering Credit Cards, Accounts & Deposits, Personal Loans, Against Securities, Against Term Deposits, Home Loan, Balance Transfer, Loan against Property. Standard Chartered bank is Home Saver is a unique home loan that enables you to pay your home loan in half the time, at half the cost. A linked Transaction Account will be associated with your Home Loan. The surplus money in your Linked Transaction Account will be used to offset the principal of your home loan, which will result in faster closure of your loan. Effectively, interest will be paid only on the difference between the outstanding loan amount and your surplus funds."
Best Foreign Bank 2012 - Bloomberg Financial Leadership Awards
Financial Advisor of the Year Award 2012 - UTI CNBC
Best Private Bank in India by the Asian Private Banker at the Awards for Distinction 2012
Asia Cup - official partner of the bi-annual cricket tournament
The Economic Times Awards for Corporate Excellence - title sponsor from 2012 to 2016
Liverpool Football Club - our four year sponsorship started in June 2012.
When you apply for a credit card, you apply to borrow money from the card issuer, usually a bank. The issuer will look at your credit history before it accepts your application - and if you have a low credit score you could be refused credit. If you have good credit score and having satisfactory trade records, Banks Generally provides up to 5 times of your monthly Salary.
If all is well, the bank will set a credit limit, which is the maximum amount you can spend on the card. The card company will send you a statement every month, detailing the transactions on the card, plus the amount owing. It should also give the minimum payment and the payment due date.
Increased Spending As per research on the whole, credit card customers spend 2½ time more money than cash-carriers, making larger purchases that are as simple as upsizing their meal at a fast food restaurant.
More Frequent Purchases Because credit cards afford shoppers more flexibility, they go out and buy items as soon as they need them. Conversely, cash-only shoppers buy when their wallets are full — paydays and holidays.
Extraneous Purchases Businesses that receive credit and debit card payments, as opposed to cash-only establishments, reap the benefits of unintended purchases. Because credit card payers are not confined to what they have in their wallets, these buyers frequently purchase items on impulse — like that cute pair of shoes that are on sale.
Additional Credit Perks for Businesses - Knowing how varied payment options affect consumer behaviour, you may wonder how this translates to benefits for your business. Indeed, merchants experience a number of advantages when incorporating credit card payments into their business model.
Unexpected fees - Typically, you'll pay between 2 and 4 percent just to get the cash advance; also cash advances usually carry high interest rates.
Hidden costs - The interest rate is not the only cost of a credit card. A fee will be charged if you are late making your monthly payment, or miss it altogether. You'll also pay a penalty if you exceed your credit limit. So make sure you keep track of your spending and always pay your bill on time.
And don't be tempted to withdraw cash on your credit card. Most card firms charge a fee to withdraw cash from an ATM, typically about 2%. You will also start to rack up interest immediately as there is no interest-free period on cash withdrawals.
Clearly, there is a lot to know about credit cards, and it is not all bad. Here is a list of do's and don'ts that will help you maintain a good credit experience: