Opening standard chartered Bank account. Please share your experience.

But problem is something else.

Anyone having standard chartered account?

RunZone wrote:
No need to open a bank account and wait for pre-approved offers. Should easily be able to get SC card, apply directly on the website. I applied for SCB DIGISMART card and it was approved within a few days. Just after a month I applied for the ultimate card, it was also approved. I applied as a salaried individual. Also, there is no physical verification. Since my location was unserviceable, I gave my friend's address to receive the card. Doesn't matter whatever is present on your adhar card, they won't ask for any address proof of the current address that you mention in the application.

shraaj wrote:
is it asked for ITR? I am salaried too!

RunZone wrote:
No need to open a bank account and wait for pre-approved offers. Should easily be able to get SC card, apply directly on the website. I applied for SCB DIGISMART card and it was approved within a few days. Just after a month I applied for the ultimate card, it was also approved. I applied as a salaried individual. Also, there is no physical verification. Since my location was unserviceable, I gave my friend's address to receive the card. Doesn't matter whatever is present on your adhar card, they won't ask for any address proof of the current address that you mention in the application.

The card is chargeable, right ?

@nimod I had opened their 25K savings bank account last year; it's fully online process, and delivery address can be any address; branch address will be based on aadhar address though. I opened in the hope of getting a LTF pre-approved CC, but haven't got any LTF offer till now. Getting a pre-approved (at least that's what it says) for smartearn CC, but it's chargeable, so didn't go for it yet.

BlueFlash wrote:

The card is chargeable, right ?

@nimod I had opened their 25K savings bank account last year; it's fully online process, and delivery address can be any address; branch address will be based on aadhar address though. I opened in the hope of getting a LTF pre-approved CC, but haven't got any LTF offer till now. Getting a pre-approved (at least that's what it says) for smartearn CC, but it's chargeable, so didn't go for it yet.

In how many days did they show you pre approved offer? 

Did you face / know any incident of unexpected deductions in savings account?

BlueFlash wrote:

The card is chargeable, right ?

@nimod I had opened their 25K savings bank account last year; it's fully online process, and delivery address can be any address; branch address will be based on aadhar address though. I opened in the hope of getting a LTF pre-approved CC, but haven't got any LTF offer till now. Getting a pre-approved (at least that's what it says) for smartearn CC, but it's chargeable, so didn't go for it yet.

BlueFlash wrote:

The card is chargeable, right ?

@nimod I had opened their 25K savings bank account last year; it's fully online process, and delivery address can be any address; branch address will be based on aadhar address though. I opened in the hope of getting a LTF pre-approved CC, but haven't got any LTF offer till now. Getting a pre-approved (at least that's what it says) for smartearn CC, but it's chargeable, so didn't go for it yet.

btw, I would suggest you to take the paid card (smart cc) and negotiate/wait for other ltf offers. 

nimod wrote:

In how many days did they show you pre approved offer? 

Did you face / know any incident of unexpected deductions in savings account?

It took around 6+ months for me... No unusual charges or anything like that. I hardly use that account, just keeping the 25K mab, and sometimes use the debit card for some bank specific offer if any. My main motive was to get a ltf somehow, but looks like it's difficult to get now; will try once by contacting cc or maybe will just apply for it and then later ask them to convert to ltf.

nimod wrote:

But problem is something else.

Anyone having standard chartered account?

I’ve salary account in scb

chota_chattri wrote:

I’ve salary account in scb

Did they offer you pre approved credit card based on your account? In how many days?

nimod wrote:

Did they offer you pre approved credit card based on your account? In how many days?

They offered smart cc in 4th month but I applied for ultimate and they rejected after all the steps😂

They Rejected My Application Twice 😕

Which Variant Account Is Best In Stand Chartered Bank? 

RunZone wrote:
No need to open a bank account and wait for pre-approved offers. Should easily be able to get SC card, apply directly on the website. I applied for SCB DIGISMART card and it was approved within a few days. Just after a month I applied for the ultimate card, it was also approved. I applied as a salaried individual. Also, there is no physical verification. Since my location was unserviceable, I gave my friend's address to receive the card. Doesn't matter whatever is present on your adhar card, they won't ask for any address proof of the current address that you mention in the application.

Uhtnas4444 wrote:
Bro, if we select salaried option, it is not moving further if we mention Gross Monthly income less than 2 lakhs. 

Is your salary more than 2 lakhs per month or requirements come down if we already have card with them? Thanks in advance. 

Uhtnas4444 wrote:
Bro, if we select salaried option, it is not moving further if we mention Gross Monthly income less than 2 lakhs. 

Is your salary more than 2 lakhs per month or requirements come down if we already have card with them? Thanks in advance. 

RunZone wrote:
No, my salary is not what you have mentioned. Ideally you should be able to proceed with whatever salary you have (should be decent enough like 40k or something).

I applied for SCB DIGISMART as salaried.

On the basis of this SCB DIGISMART, I applied for SCB ULTIMATE wherein nothing was asked for. It was just an authentication using my existing card.

starbearer wrote:
You should be able to get Digismart / Smart / Titanium card easily. They don't have high eligibility requirements. If you need the Ultimate card, either your existing SC card needs to have a limit over Rs. 4 Lakh, or ITR of 24L, or you can apply on a C2C basis with any other card having a limit over 6-7L. Some requirements may be waived off depending on your relationship with the bank.

Uhtnas4444 wrote:
Did you apply in recent times wherein there was bug due to which all Ultimate cards were approved or something. Read it in one of the credit card blog. 

And also what is your credit limit for Digismart?

RunZone wrote:
Yes, I applied in bug time. Limit is just 1.5 L

RunZone wrote:
Yes, I applied in bug time. Limit is just 1.5 L

Uhtnas4444 wrote:
My cousin had 7 lakhs credit limit in CITI Card and his application was rejected. This happened last week and he is self employed. 

SunnyKh wrote:
Is it still live or over

SunnyKh wrote:
Is it still live or over

Any One Recently Applied For Standard Chartered CC? 

Tag Me

RunZone wrote:
No, my salary is not what you have mentioned. Ideally you should be able to proceed with whatever salary you have (should be decent enough like 40k or something).

I applied for SCB DIGISMART as salaried.

On the basis of this SCB DIGISMART, I applied for SCB ULTIMATE wherein nothing was asked for. It was just an authentication using my existing card.

@nimod Opened Account? 

PowerStar wrote:

Any One Recently Applied For Standard Chartered CC? 

Tag Me

Applied for Ultimate card yesterday and got approved message today, waiting for the card now.