Are you looking to learn more about the most popular features of Standard Chartered credit cards? Look no further! In this article, we will break down the key features of these credit cards, giving you a comprehensive understanding of what makes them so popular. Whether you’re a credit card expert or just starting out, this friendly guide will provide all the information you need to make the most of your Standard Chartered credit card. So, grab a cup of coffee, sit back, and get ready to delve into the exciting world of credit card features!
Most Popular Standard Chartered Credit Card Features Explained
1. Cashback Rewards
Earn cashback on everyday purchases
When it comes to credit card benefits, one of the most popular features is cashback rewards. With a Standard Chartered credit card, you have the opportunity to earn cashback on your everyday purchases. Whether you’re buying groceries, paying bills, or shopping online, every swipe of your card can earn you some extra money.
Percentage of cashback varies with different credit cards
Different credit cards offer different percentages of cashback, so it’s essential to choose the right card that aligns with your spending habits and preferences. Some cards may offer a higher cashback percentage on specific categories like dining or fuel, while others provide a flat rate for all purchases.
Cashback can be redeemed as statement credit or vouchers
Once you’ve accumulated enough cashback, you have the flexibility to redeem it in various ways. One option is to apply the cashback as a statement credit, reducing your outstanding balance. Alternatively, you can convert the cashback into vouchers that can be used at partner merchants, giving you even more purchasing power.
Cashback rewards are applicable at selected merchants
It’s worth noting that cashback rewards are applicable at selected merchants, which means you can enjoy the benefits of your cashback when shopping at specific stores or dining at partner restaurants. Be sure to check the list of participating merchants to maximize your cashback rewards.
2. Travel Benefits
Enjoy complimentary airport lounge access
If you’re a frequent traveler, you’ll appreciate the travel benefits that come with a Standard Chartered credit card. One of the most coveted perks is complimentary airport lounge access. Instead of waiting in crowded airport terminals, you can relax and unwind in luxurious lounges, complete with comfortable seating, refreshments, and even business facilities.
Get travel insurance coverage for flight delays, luggage loss, etc.
When you embark on a journey, unexpected events can sometimes disrupt your plans. However, with a Standard Chartered credit card, you can have peace of mind knowing that you’re covered with travel insurance. Coverage typically includes protection against flight delays, luggage loss, medical emergencies, and more.
Earn air miles with every qualifying purchase
Another exciting feature for avid travelers is the opportunity to earn air miles with every qualifying purchase. Every time you use your Standard Chartered credit card, you’ll earn air miles, inching you closer to free flights or other travel-related rewards. So even your everyday expenses can contribute to your dream vacation.
Redeem air miles for flights, hotel stays, or other travel-related expenses
Once you’ve accumulated a sufficient number of air miles, you can redeem them for a variety of travel-related expenses. From flights and hotel stays to car rentals and travel experiences, the possibilities are endless. Treat yourself to a well-deserved getaway or save your air miles for that dream destination.
3. Dining Privileges
Access to exclusive dining promotions and discounts
Food enthusiasts will delight in the dining privileges that come with a Standard Chartered credit card. As a cardholder, you’ll have access to exclusive dining promotions and discounts at a wide range of restaurants. Whether you’re craving a sumptuous fine dining experience or a quick bite at a local cafe, you can enjoy significant savings on your culinary adventures.
Enjoy complimentary welcome drinks or desserts at partner restaurants
The perks don’t stop at discounts. When you dine at partner restaurants, you may also be treated to complimentary welcome drinks or desserts. It’s the perfect way to start or end your meal on a sweet note, adding a touch of indulgence to your dining experience.
Priority reservations at popular dining establishments
With a Standard Chartered credit card, you’ll have an advantage when it comes to securing reservations at popular dining establishments. Enjoy priority access to the best tables in town, even during peak hours. Whether it’s a special occasion or a casual gathering, savor every moment without the worry of being turned away due to unavailability.
Earn additional rewards or cashback for dining expenses
If you’re a foodie at heart, you’ll be delighted to know that you can earn additional rewards or cashback for every dining expense made with your Standard Chartered credit card. So whether you’re trying out a new restaurant or indulging in your favorite cuisine, every meal becomes an opportunity to earn even more savings.
4. Shopping Benefits
Special discounts and deals at partner retail outlets
Shopping enthusiasts can take advantage of the special discounts and deals available at partner retail outlets with a Standard Chartered credit card. Enjoy exclusive savings on your favorite brands, from fashion and electronics to home decor and accessories. Keep an eye out for regular promotions and seasonal sales to make the most of your shopping experience.
Additional rewards or cashback for shopping expenses
In addition to the savings from discounts and deals, your shopping expenses can also earn you additional rewards or cashback. Every swipe of your Standard Chartered credit card brings you one step closer to redeeming exciting rewards or accumulating cashback that you can use for future purchases.
Exclusive access to private sales and previews
As a privileged cardholder, you’ll have exclusive access to private sales and previews. Be among the first to discover new collections, enjoy early access to promotions, and complete your shopping spree without the rush and competition. It’s a coveted benefit that allows you to stay ahead of the fashion curve and make the best selections.
Flexible payment options like installment plans for large purchases
If you have your eye on a big-ticket item, you’ll appreciate the flexible payment options available with a Standard Chartered credit card. Instead of paying the full amount upfront, you can convert your large purchases into manageable monthly installments. It’s an excellent way to ease the financial burden while still enjoying the things you love.
5. Rewards Program
Earn reward points for every dollar spent
With a Standard Chartered credit card, you have the opportunity to earn reward points for every dollar spent. Whether you’re grocery shopping, filling up your car, or treating yourself to a shopping spree, your purchases can contribute to a growing pool of reward points. The more you spend, the more points you accumulate.
Redeem points for a variety of rewards like merchandise, vouchers, or experiences
Once you’ve accumulated a substantial number of reward points, it’s time to reap the benefits. Redeem your points for a variety of rewards, including merchandise, vouchers, or even once-in-a-lifetime experiences. Treat yourself to a luxury item, spoil your loved ones with a thoughtful gift, or create unforgettable memories with a unique experience.
Priority access to limited edition or exclusive rewards
As a cardholder, you’ll enjoy priority access to limited edition or exclusive rewards. Stay updated on the latest offerings and be the first to secure highly sought-after items. With priority access, you’ll never miss out on the opportunity to indulge in the most desirable rewards.
Accelerated rewards for specific categories like groceries, fuel, or online shopping
Certain categories may offer accelerated rewards, allowing you to earn points at a faster rate. This means that spending on specific items like groceries, fuel, or online shopping can bring you higher reward point earnings. Be sure to take advantage of these accelerated rewards and maximize your points accumulation.
6. Balance Transfer Facilities
Transfer outstanding balances from other credit cards
If you find yourself burdened with outstanding balances on multiple credit cards, a Standard Chartered credit card can offer you a convenient solution. With the balance transfer facility, you can transfer these balances to your Standard Chartered credit card, consolidating them into one single payment.
Enjoy lower interest rates or 0% interest for a specified period
One of the significant advantages of a balance transfer is the potential for lower interest rates or even 0% interest for a specified period. By consolidating your debts, you can take advantage of more favorable terms, making it easier to manage your finances and pay off your outstanding balances.
Consolidate multiple debts into one credit card
Keeping track of multiple credit card debts can quickly become overwhelming. By consolidating your debts into one credit card, you simplify your financial obligations and streamline your payments. This allows you to focus on paying off your balances without the hassle of juggling multiple statements and due dates.
Flexible repayment options with longer tenure
To ensure that you have the flexibility to manage your payments, a balance transfer offers various repayment options, including longer tenures. This means that you can choose a payment schedule that best suits your financial situation, ultimately making it easier to create a repayment plan that works for you.
7. Easy Payment Plans
Convert large purchases into affordable monthly installments
Making significant purchases shouldn’t strain your budget. With a Standard Chartered credit card, you have the option to convert large purchases into affordable monthly installments. This allows you to spread out the cost over a specified period, making expensive items more accessible and manageable.
Low or 0% interest rates for selected tenure
To make the Easy Payment Plans even more enticing, Standard Chartered offers low or even 0% interest rates for selected tenure periods. This means that you can enjoy the convenience of paying in installments without incurring hefty interest charges. It’s a win-win situation that allows you to enjoy your purchase while keeping your finances in check.
No processing fees or upfront charges
In addition to attractive interest rates, Standard Chartered also waives processing fees and upfront charges for Easy Payment Plans. This ensures that you can make your purchase without any unexpected costs. Simply select the repayment tenure that suits you, and you’re ready to enjoy your new purchase hassle-free.
Convenient repayment options through auto-debit or online banking
Repaying your Easy Payment Plan installments is hassle-free and convenient. Standard Chartered offers various repayment options, including auto-debit from your bank account or online banking transfers. This allows you to choose the most convenient method that works with your lifestyle and financial management preferences.
8. Contactless Payments
Tap and pay for small transactions without entering a PIN
Gone are the days of fumbling for cash or dealing with the hassle of entering a PIN for small transactions. With the contactless payment feature offered by Standard Chartered credit cards, you can simply tap your card on the payment terminal to complete your transaction. It’s quick, convenient, and saves you valuable time.
Quick and efficient payment method
Contactless payments provide a quick and efficient way to make purchases on the go. Whether you’re grabbing a coffee, picking up lunch, or paying for public transportation, simply tap your card for seamless and hassle-free transactions. Enjoy the ease and speed that contactless payments bring to your daily life.
Enhanced security features to protect against fraud
Contactless payments are not only convenient but also secure. Standard Chartered credit cards are equipped with enhanced security features to protect against fraud. Your card is embedded with advanced technology that encrypts your information, keeping it safe and secure during every transaction.
Accepted at various merchants and service providers
Contactless payments are widely accepted at various merchants and service providers, making it convenient to use your Standard Chartered credit card for everyday purchases. Whether you’re shopping at your local grocery store, dining at a restaurant, or filling up your car at the petrol station, you’ll likely find contactless payment terminals ready to process your payment.
9. Interest-Free Period
Enjoy a grace period for interest-free purchases
One of the appealing features of a Standard Chartered credit card is the interest-free period. This grace period allows you to enjoy interest-free purchases for a specified period, giving you the ultimate flexibility to manage your finances. Take advantage of this feature by maximizing your usage during the interest-free period.
Pay off your credit card bill within a certain period without incurring interest charges
During the interest-free period, you have the opportunity to pay off your credit card bill within a specific period without incurring any interest charges. It’s an excellent way to manage short-term borrowing or smooth out any temporary cash flow gaps without the worry of accumulating additional interest expenses.
Applies only if the full outstanding amount is paid by the due date
To qualify for the interest-free period, it’s essential to pay the full outstanding amount by the due date. By doing so, you can enjoy the benefits of interest-free purchases, making it easier to manage your credit card expenses and maintain financial discipline.
Convenient for short-term borrowing or managing cash flow
The interest-free period on a Standard Chartered credit card is not only beneficial for making purchases but also for short-term borrowing or managing cash flow. Whether you need some extra funds for a specific period or want to smooth out your finances between paychecks, the interest-free period offers flexibility and convenience.
10. Online and Mobile Banking
Manage credit card transactions and payments online
With the ease and accessibility of online and mobile banking, managing your Standard Chartered credit card transactions and payments has never been easier. You can conveniently access your account information, review your credit card statements, and make payments from the comfort and convenience of your own home or through a mobile app on the go.
Access account information and statements anytime, anywhere
The power of online and mobile banking lies in the ability to access your credit card account information and statements anytime, anywhere. Whether you’re traveling, at work, or simply relaxing at home, you can stay up to date with your credit card activity with just a few clicks or taps on your device.
Set up alerts and notifications for due dates or unusual activity
To keep track of your credit card usage and to stay on top of payment due dates, Standard Chartered offers the option to set up alerts and notifications. You can receive reminders for upcoming due dates, avoid late payment fees, and even be notified of any unusual activity on your credit card, ensuring the security of your account.
Easily track and control credit card usage
Online and mobile banking allows you to easily track and control your credit card usage. You can review your transaction history, categorize expenses, and set spending limits to stay within your budget. By having a clear overview of your credit card activity, you can make more informed financial decisions and achieve better financial management.
In conclusion, Standard Chartered credit cards offer a wide range of attractive features and benefits that cater to various lifestyles and preferences. From cashback rewards and travel benefits to dining privileges and shopping perks, there’s something for everyone. Take advantage of these features to enhance your financial journey, make the most of your purchases, and enjoy a seamless banking experience with Standard Chartered.
