How to Pay Standard Chartered Credit Card Bill Payment Using Online & Offline Modes
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Having a credit card provides you with financial backup and optimizes your purchasing power. However, you need to be extremely cautious when it comes to making credit card bill payments. To make the process of Standard Chartered credit card bill payment more convenient and faster, Standard Chartered bank offers multiple platforms. Knowing these platforms will allow you to choose the best suitable option and make the payment easily.
Standard Chartered Credit Card Bill Payment through UAEFTS in the UAE
UAEFTS stands for United Arab Emirates Fund Transfer System. Owned and controlled by the Central Bank of the UAE, UAEFTS is a Real-Time Gross Settlement system that lets you transfer your funds from one bank to the other safely. You can also use this system to make your Standard Chartered credit card Bill payment through an exchange house. Before, making the payment please ensure that the exchange house supports Standard Chartered Credit Card payments.
The exchange house may charge you an additional fee for facilitating the payment.
Advantages and Disadvantages of Using UAEFTS to Pay Standard Chartered Credit Card Bill
Before you use UAEFTS, it may be useful to consider the advantages and disadvantages of using this platform.
Following are the advantages of using UAEFTS:
- UAEFTS payments can be made using an exchange house. If you are not able to locate your bank’s branch or you are facing problem in making online payment, UAEFTS mode allows you to make your credit card bill payments on time
- UAEFTS is a wider platform and the payment made through it is accepted by all banks in the UAE.
- Since UAEFTS accepts payments through foreign currency as well, you would not require exchanging the currency into AED before paying.
- Once the amount is debited from your bank account, you will receive a notification on your registered mobile number. Besides, when the payment is transferred to another account, you will receive confirmation.
While UAEFTS is a flexible platform to make your payments across banks, there are several disadvantages you should know before using it:
- You may need to pay an additional fee to avail of this facility at an exchange house.
- The payment transaction may take up to 48 hours.
- You may require finding an exchange house that accepts Standard Chartered Bank’s payment since every exchange house will not accept payment for every bank’s credit card. This may consume some of your time and energy.
Standard Chartered Credit Card Bill Payment Options in UAE
To simplify Standard Chartered Credit Card payment, Standard Chartered bank provides you with a wide range of options. Using these options you can choose to make your Standard Chartered Credit card bill payment online or offline.
Procedure to Pay Standard Chartered Credit Card Payment Offline in UAE
You can make your Standard Chartered Credit Card payment offline by locating the nearest Standard Chartered bank branch. The offline platform provides you with options to make credit card payments i.e. cheque and cash.
Standard Chartered Credit Card Payment by Cheque
You can make Standard Chartered Credit Card payments offline conveniently using a cheque. To write a cheque in your bank’s favour:
- Mention your bank and credit card details
- Specify the payment amount
- Sign your cheque
- Fill the deposit slip mentioning account and credit card details along with your name and contact number
- Do not forget to write your account number and contact number behind the cheque
- Deposit the cheque Credit and Cash Deposit Machine (CDM)
Please note that it may take 24 hours to clear your Standard Bank account cheque. In case it is a non-Standard Chartered Bank cheque, it may take up to 3 working days for the bank to receive the payment. To prevent late fees and penalties, deposit the cheque at least 3 days before the due date.
Standard Chartered Credit Card Payment by Cash
Paying Standard Chartered Credit Card bills via cash is one of the most preferred methods when it comes to offline payments in the UAE. You can visit the bank and deposit the cash in CDM This type of payment is cleared instantly and you will be confirmed by the bank right away.
Procedure to Pay Standard Chartered Credit Card Payment Online in UAE
As a Standard Chartered Credit Card owner, you also receive the facility to make your credit card payment online instead of visiting the bank branch every time. Multiple platforms will let you make your Standard Chartered Credit Card Bill payment in few minutes. Besides, opting for online payment methods provides you with the convenience of paying your credit card bill outside the working hours and days. These are some platforms you can use to make the Standard Chartered credit card bill payment in the UAE:
- SC Mobile App
- Online Banking
- Auto Debit
- Account transfer from another bank
- Phone Wallet
How to Pay Your Credit Card Bill Standard Chartered Mobile App
To let you make your Standard Chartered Credit Card bill payment at your convenience, the bank allows you to make the credit card bill payment using SC mobile app. You can avail of this facility following these steps.
- Step 1: Log in to your banking account via the SC Mobile Banking app
- Step 2: Select tab “Menu” and go to “Payments”
- Step 3: Select the “Pay Credit Card” option.
- Step 4: Enter the required details and preferred payment account.
- Step 5: Enter the ETAC sent to your registered mobile number to verify the payment
- Step 6: Confirm the payment
Menu -> Payments -> Pay Credit Card->Details->Next->Pin->Confirm payment after verifying the card number and the amount
Standard Chartered Credit Card Payment by Online Bank
If you are making the payment from your desktop or you do not want to use the app, you can:
- Visit http://sc.com.vn/ In Menu, Select “Credit Cards” and choose the credit card payment option
- Fill in the required information
- Enter the ETAC sent to your registered phone number to verify the transaction
- Confirm the payment
Menu -> Credit Cards -> Credit Card Payment Details->Next->Pin->Confirm payment after verifying the card number and the amount
Standard Chartered Credit Card Payment by Auto Debit
Missing the due dates of payment not only cost you additional penalties but also hampers your credit Score. Standard Chartered Bank ensures that you do not miss out on Standard Chartered Credit Card payment due date by providing you with the auto-debit option. Every month, the bank will automatically deduct a specified amount from your bank account. You can register for the Auto Debit facility at your nearest bank branch, by registering online or through a Mobile Banking app.
To register for this facility:
- Log in to your online banking account at sc.com/vn/en/ or Mobile Banking app
- Select tab “Menu -> Credit Cards -> Credit Card Payment -> Choose “Auto Payment Request” from “Payment Type” section
- Enter information as required
- Choose preferred payment account
- Enter the ETAC sent to your registered phone number to verify the transaction
Account transfer from another bank
You can also choose to transfer funds from one bank account to the other.
- Log in to your bank account
- Add payee
- Use your 16 digit credit card number as the payee account number and specify Standard Chartered as the bank name
- Enter the amount that you need to transfer
- Confirm the payment
Since the payment is not facilitated by the Standard Chartered, it may take some time to receive the payment. You can use an alternative method of making instant payment.
- Transfer the money to your Standard Chartered Bank account
- Pay via SC Mobile app or online banking account
Standard Chartered Credit Card Payment by Phone Wallet
Phone Wallet is one of the most convenient methods of making your Standard Chartered Credit Card bill payment online in less than a minute from any bank in the UAE. All you need to is enter your card details and debit card number in the app. Some of the most trusted apps in the UAE are:
- Apple Pay
- EWallet
- Emirates Digital Wallet LLC and Klip
- Google Pay
- PayBy
- Samsung Pay
How to Pay Standard Chartered Credit Card Bill from other Bank’s Credit Card
In case of an emergency where you are not able to make your Standard Chartered Credit Card bill payment online or offline, you may consider paying through another bank’s credit card. However, it is not a suggested mode of payment since it does not clear your debt. While there is no facility to make direct Standard Chartered Credit Card bill payment from another bank’s credit card, you can use these methods to make payments indirectly:
- Cash Withdrawal Facility
- Balance Transfer Facility
Cash Withdrawal Facility
- Borrow cash from an ATM
- Visit Standard Chartered Bank branch
- Deposit the cash into CDM
Balance Transfer Facility
- Call the other bank and request them to avail of this facility
- Verify your Standard Chartered Credit Card details
- Enter the amount
Please note, you can choose to make full payment on your Standard Chartered Credit Card bill or you can also opt to pay the minimum amount due or above. However, it is advised that you make complete payment to avoid additional interest rates levied on the pending balance.
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