By Kartik Kanwar
Updated On May 23, 2024

The Standard Chartered Bank has launched credit cards providing benefits to the holders in many categories including, shopping, travel, dining, and much more. With an Add-on card facility you can get a credit card offering the same benefits and at zero cost for your family members. The add-on credit cards work exactly the same as the primary card against which it is issued. With a supplementary card in hand, your family members can enjoy the privilege of having a credit card, also, they will enjoy all the benefits that you enjoy with the primary credit card. Keep reading to know more about the Standard Chartered add-on credit cards.

Standard Chartered Add-on Credit Cards

Features of Standard Chartered Add-on Cards

The add-on cards offer great benefits to the holders at zero cost. These cards work more or less similar to the primary credit card. However, there are some features of the additional cards that one should know about:

  • The add-on cards are issued at zero cost and they do not have any annual fee, making them free for a lifetime (except the Digismart card)
  • The benefits of the card are similar to the primary card along with the reward rate. Therefore, for every transaction with the additional cards reward points will be earned.
  • The credit limit for the add-on credit card is shared with the primary card. The primary cardholder, however, can change and set the desired limit on the cards anytime.
  • The primary cardholder will receive the consolidated statement for all the add-on cards and will be responsible to settle the same.
  • All the benefits having capping or limits will include the benefits availed by both the primary as well as the add-on card holders.

Fees and Charges for SCB Add-on Credit Cards

The fee structure for the Standard Chartered Add-on cards is similar as the Primary credit card. For example, if you apply for Standard Chartered Manhattan Credit Card then the same fee would be applicable as shown below, on the additional cards.

Charges Amount
Finance Charges 3.75% p.m. (45% p. a.)
Cash Advance Fee 3% of the amount withdrawn or Rs. 300 (whichever is higher)
Rewards Redemption Fee Rs 99 per redemption request
Foreign Currency Markup 3.5% of the transaction amount3

Eligibility Criteria for SCB Add-on Credit Cards

Following are the Eligibility Criteria you must keep in mind before applying for the Add-on card:

– The applicant for the Add-on card must be above 18 years of age.
– The applicant must be related to the primary cardholder.
– The Primary cardholder must maintain a good credit score.
– The applicant must have the consent of the Primary cardholder.

Documents Required for SC Add-on Credit Cards:

Following are the documents that the bank may ask to apply for an Standard Chartered Bank add-on credit card:

– ID Proof: PAN Card. Passport, Voters ID, Ration Card, Aadhaar Card, or Driving License.
– Address proof: Passport, Ration Card, Driving License, Copy of Utility Bills, Bank account statement, or any other valid government-issued address proof.

How to Apply for Standard Chartered Add-on credit card

Following is the procedure if you are interested to apply for the Standard Chartered add-on credit card:

Online Procedure:

– Visit the Bank’s additional card application portal.
– Fill in the details carefully.
– Attach the documents asked.
– Review your application and submit it.

Offline Procedure:

– Download the Application form.
– Fill in the details carefully.
– Attach the necessary documents
– Submit the form along with the documents in the nearest branch.

Standard Chartered Add-on Credit Card PIN generation

You can change the PIN for your add-on card:

Through Online Banking:

– Login to your account.
– GO to Credit card management and click on Credit card PIN Change
– Generate a PIN by following the instructions given.

Best Standard Chartered Bank Add-On Credit Cards

Following are the Standard Chartered add-on cards that offer great benefits and must be considered:

Card Fee Structure Main Features
Standard Chartered Ultimate Credit card Interest Rate: 3.75% per month (or 45% annually)

Forex Mark-up Fee: 2% of the transaction amount.

Cash Advance Charges: 3% (minimum Rs. 300)
Complimentary Dreamfolks membership.

Complimentary access to airport lounges.

Air accident Insurance up to Rs. 1 crore.

Complimentary golf lesson and game every month.
Standard Chartered Manhattan Credit Card Interest Rate: 3.75% per month (45% annually)

Forex Mark-up Fee: 3.5% of the transaction amount.

Cash Advance Charges: 3% of the transaction amount, subject to a minimum charge of Rs. 300.
5% cash back on groceries, departmental stores, and supermarkets.

Spend-based annual fee waiver.

Welcome benefit of 5,000 reward points.
Standard Chartered Super Value Titanium credit card Interest Rate: 1.99% per month (or 23.88% annually)

Forex Mark-up Fee: 3.5% of the transaction amount.

Cash Advance Charges: 3% of the withdrawn amount (subject to a minimum charge of Rs. 300)
Zero Annual fees for premium customers.

100% cashback on fuel transactions for the first 90 days.

Complimentary priority pass membership

Spend-based annual fee waiver.
Standard Chartered Emirates World Credit card Interest Rate: 3.75% (45% per annum)

Forex Mark-up Fee: 3.5% (plus applicable taxes)

Cash Advance Charges: 3% of the withdrawal amount subject to a minimum amount of Rs. 300.
Complimentary Domestic lounge access.

Complimentary International lounge based on monthly spending.

A complimentary gold lesson every month and discounts on golf games.

Bottom Line

There are plenty of benefits of using an add-on credit card as it offers the same benefits and reward rate as the primary credit card but is also free of cost. Students and elders enjoy the most out of the additional cards as they have little or no income to get a credit card on their own. Though the add-on credit cards are great they also carry a risk for the primary credit cardholder. As the monthly statements for these cards are shared with the primary holder and they are liable to make the payments and settle the debt. Therefore, add-on cards should be used with care.


Finance charges can also be called interest rates or charges. They are applied by the bank on the amount you have used and have not paid by the grace or interest-free period. These charges are applied to the outstanding amount which has exceeded its payment due date and as per the rules and regulations of the bank.
Yes, all the benefits on the primary credit card, and add-on credit cards will get the same amount of benefits.
Yes, a primary credit card holder can limit the add-on credit card. They can but a constraint on how much the add-on credit cards can make transaction through online, offline even the cash advance limit.
Initially, the primary credit card shares the limit with the add-on credit card so it can be divided in half. But the primary credit card holder can change the limit according to their preference.