Standard Chartered Credit Cards, Loans & Savings Accounts 2026
This page brings together every Standard Chartered product we track — 2 credit cards, 1 loans. Use it to see how Standard Chartered's interest rates, fees and eligibility stack up before you visit the bank's official website.
Standard Chartered Credit cards
| Credit Cards | Annual Fee | Best For | CardKhoj rating |
|---|---|---|---|
| SC Ultimate | ₹5,000 + GST | Luxury Travel | 4.7 |
| SC DigiSmart | Lifetime Free | Online Shopping | 4.3 |
Standard Chartered Personal loans
Standard Chartered Personal Loan
- Interest Rate
- 10.49% - 16.00%
- Loan Amount
- ₹1,00,000 - ₹30,00,000
- Tenure
- 12 - 60 months
- Processing Fee
- Up to 2.25%
SC's same-day disbursal for existing customers and zero-documentation pre-approved process set it apart from competitors. The top-up facility lets you borrow additional amounts on your existing loan without fresh paperwork or processing. Best for SC banking customers who have a strong, established relationship with the bank.
Standard Chartered: frequently asked questions
Which is the best Standard Chartered credit card?
Among the 2 Standard Chartered cards we review, the SC Ultimate has our highest rating (4.7/5) and is best for luxury travel. The right card depends on your spending, so compare annual fees and reward categories before applying.
Does Standard Chartered offer a lifetime free credit card?
Yes. SC DigiSmart has no joining or annual fee.
What is the Standard Chartered personal loan interest rate?
Standard Chartered personal loans are offered at 10.49% - 16.00% per annum for amounts of ₹1,00,000 - ₹30,00,000 and tenures of 12 - 60 months. The processing fee is Up to 2.25%. Your exact rate depends on your credit score, income and employer.