Standard Chartered Bank Credit Card Process Made Easy (2025 Guide)

By Abdul Wasay ⏐ 1 month ago

Standard Chartered offers a range of credit cards in Pakistan, known for their lifestyle benefits, reward programs, and global acceptance. This guide provides detailed and accurate information to help you understand their offerings and application process.

Standard Chartered Credit Card: Eligibility Requirements

To apply for a Standard Chartered credit card, you need to meet the following general criteria:

Age: Minimum 21 years for salaried individuals or 25 years for self-employed individuals.
Residency: Pakistani citizen with a valid CNIC.
Account Status: No prior SCB account is strictly required, but proof of income is essential.
Credit History: Must have a clean credit record without defaults.

Income Requirements

Standard Chartered Bank sets varying minimum income criteria depending on the card tier. You will need to provide verifiable proof of income.

Salaried Individuals:
- For cards like Mastercard Titanium, the minimum gross monthly income is typically PKR 50,000.
- For Mastercard Platinum, the minimum gross monthly income is PKR 300,000.
- For Mastercard World, the minimum gross monthly income is PKR 500,000.
Self-employed / Professionals: Income requirements also vary by card type, generally starting higher than for salaried individuals for the same card tiers.

Standard Chartered Credit Card Application Methods

You can apply through multiple convenient channels:

Online / Mobile App: Complete the digital form via SC’s website or the SC Mobile App.
Helpline / Branch Visit: Call 111‑002‑002 or visit any SCB branch to apply in person.

Required Documents

Prepare these documents before applying:

CNIC copy
Salary certificate or proof of income (e.g., latest salary slips for salaried individuals)
Professionally signed income proof (e.g., bank statements, tax returns) for self-employed applicants

Standard Chartered Credit Card: Approval and Activation

Approval Timeline: Online/Submittal: Typically within 3–5 business days, sometimes faster for eligible applicants. Branch/Helpline: May take up to one week.
Card Delivery: Your credit card is couriered to the registered address.
Activation Process: Activate via SC Mobile App, website, helpline (111‑002‑002), or ATMs. Set your PIN securely before usage.

Benefits of Standard Chartered Credit Cards

Standard Chartered cards are packed with features catering to diverse needs:

1. Mastercard Titanium

Cashback: Enjoy instant 5% cashback on your supermarket transactions. Earn PKR 500 on a spend of PKR 10,000.
Lounge Access: Complimentary CIP lounge access at domestic airports in Karachi, Lahore, and Islamabad.
Worldwide Acceptance: Redeemable across millions of Mastercard networks globally.
Cash Withdrawal: Up to 40% of your credit limit can be withdrawn as a cash advance.

2. Mastercard Platinum

Reward Points: Earn 1 point per PKR 40 spent on retail purchases.
Dining & Retail Discounts: Up to 50% off at partnered outlets.
Lounge Access: Unlimited access at 25+ airport lounges across Middle East, North Africa, Pakistan & more with Mastercard Airport Pass powered by DragonPass.
Concierge Service & Shopping Perks: VIP access to dining, luxury shopping, and golf sessions.

3. Mastercard World

WorldMiles: Earn 1 Mile per PKR 40 spent, which can be redeemed for airline tickets.
Lounge Access: Unlimited access at 1000+ airport lounges around the world with Mastercard Airport Pass powered by DragonPass.
Premium Perks: Deals at over 2300+ brands across Pakistan with Mastercard Priceless Specials, dedicated concierge services, and more.

4. Saadiq Mastercard Platinum (Shariah-compliant)

Islamic Structure: Commodity Murabaha–based financing, ensuring Shariah compliance.
Cashback: Get a cashback of 5% on your grocery, dining, and e-commerce transactions.
Credit Limits: Offers high credit limits based on eligibility.
Benefits: Similar lounge access, reward points, and concierge services as the conventional Platinum card, all without Riba.

Frequently Asked Questions (FAQs)

Can I get supplementary cards?

Yes. SCB allows supplementary cards. Eligibility and terms can be confirmed with customer care. For the Mastercard World, up to 5 supplementary cards can be availed.

What annual fee waivers are available?

Standard Chartered offers annual fee waivers based on spending. For instance, for the PIA CoBrand Platinum, you can get No Annual Fee when you spend PKR 100,000 within 6 months from activation. For Mastercard Cashback and Saadiq Islamic Credit Cards, the waiver requires a spend of PKR 20,000 within 6 months. For subsequent years, specific spend tiers (e.g., points required for waiver) are detailed in the Credit Card Rewards section.

What is the cash advance limit?

You can withdraw up to 40% of your credit limit in cash.

Are international transactions supported?

Absolutely. Visa, Mastercard, and WorldMiles cards work at international ATMs and online portals.

What should I do if I lose my card?

Immediately call 111‑002‑002 to block the card. SCB offers 24/7 customer support for emergencies.

Final Thoughts

Think it’s complicated? Not even close. Getting a Standard Chartered credit card is as simple as ordering a chai from your favorite food app. Just head over to their website, pick a card that matches your vibe and apply in a few quick taps.

With fast approvals and strong backing from one of the world’s most trusted banks, you’re all set to unlock real benefits that pay off every single day. Don’t settle for basic banking. This is your cue to level up with Standard Chartered.