Are you looking for a credit card that lets you enjoy exclusive privileges all over the world? By applying for a Standard Chartered Bank Credit Card, you can avail of this benefit and many more. Read on to find out how you can order a Standard Chartered Bank Credit Card.
As a SCB cardholder, you can use your credit card for many different things. Powered by Visa, SCB credit cards allow you to make online and offline transactions both within and outside the country. You can also use your card to make travel reservations in almost all tourist destinations worldwide and to top it all off, you can get cash advances and earn generous rewards.
Let’s take a look at the features and benefits of a Standard Chartered Bank credit card in the article below!
Standard Chartered Bank Credit Card Features
Standard Chartered Bank offers two credit cards in Nigeria. You can select either the Standard Chartered Bank Visa Gold or the premier Standard Chartered Bank Visa Platinum. Each card has its exclusive set of perks and benefits.
To give you a glimpse of how a Standard Chartered Bank Credit Card works, let’s focus on the entry-level Standard Chartered Bank Visa Gold.
The Standard Chartered Bank Visa Gold is great for your daily purchases and financial transactions. What’s more, it comes with tons of privileges such as 5% cashback on dining.
Standard Chartered Bank Visa Gold Benefits
Once you receive your Standard Chartered Bank Visa Gold card, you can use it for up to 50 days without interest. This is Standard Chartered Bank’s way of welcoming you as their esteemed cardholder.
You can also enjoy insurance coverage for the purchases you make using this credit card. The items you buy are insured against breakage, damage, loss, or theft for 90 days after the incident. The insurance also covers a 12-month extended warranty.
Moreover, you can make hassle-free payments of your credit card bill using Standard Chartered Bank’s secure internet banking and mobile banking platform. This way, you don’t need to drop by any of the bank’s branches just to settle your balances.
What’s more, the card comes with reliable and advanced security features such as Chip and PIN technologies as well as the Verified by Visa feature. These safety measures prevent other frauds and hackers from unauthorized use of your card.
interested in applying for a Standard Chartered Bank Visa Gold Credit Card? Here are the qualifications and requirements…
Standard Chartered Bank Credit Card Application Process
You can apply for Standard Chartered Bank Credit Card by simply filling out the online form on the SCB website.
For the Standard Chartered Bank Visa Gold, you need to present proof of identity (you must be 21-65 years old). The bank may also request you to present proof of income showing that you are earning at least ₦600,000 every year.
Once approved, the bank will give you a credit limit of up to ₦2 million, which may be higher or lower depending on your credit history and financial capacity.
Fees and Interest Rates
Each Standard Chartered Bank credit card has its unique set of fees and interest rates. As for the Standard Chartered Bank Visa Gold, there is an issuance fee of ₦1,000.
Moreover, you should be mindful of the cash advance fee of 4% of the total transacted amount and the late payment fee of 1% of the amount due.
This credit card comes with a negotiable interest rate, that will likely be based on your earnings and credit history. There is also a fee for using your card abroad that is between 3% – 6% of the transaction value.
In addition, if you go over your card’s limit, you will have immediately have to pay the difference. If you cannot do so, you will have to pay 10% of what is due, instead of the normal 1% the next month.
How to Contact the Bank
If you have more questions about this offer, you can contact the bank by calling +234 800 123 5000. You can also reach the bank at their main office, which is located at 142 Ahmadu Bello Way, Victoria Island, Lagos, Nigeria.
In summary, with a Standard Chartered Bank Credit Card, you have the privilege of purchasing anywhere in the world with ease and peace of mind. If you think this is the right card for you, apply now to begin enjoying these features.
Note: There are risks involved when applying for and using loans. Consult the bank’s terms and conditions page for more information.