Credit Cards & Insurance · Money
Standard Chartered credit card fees from the July–December 2026 schedule: Titanium, Cashback, Platinum and World annual fees, 45% markup, fee reversal rules.
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Standard Chartered Pakistan lists six personal credit cards: Titanium, Cashback, Platinum, World, Easy Credit and Saadiq Platinum. As of its July to December 2026 schedule, annual fees run from Rs 9,000 to Rs 26,000 plus tax, with no joining fee. The Summary Box puts markup at 45% a year on all cards except Easy Credit. Foreign transactions cost Re 1 per US dollar plus up to 6%. The fee can be reversed by spending: 1.5 times your limit within 3 months from the second year.
A Standard Chartered credit card in Pakistan comes in six personal types: Titanium, Cashback, Platinum, World, Easy Credit and the Islamic Saadiq Platinum. As of the bank’s July to December 2026 schedule, the annual fee runs from Rs 9,000 (Easy Credit) to Rs 26,000 (World), plus tax, with no joining fee. Markup on an unpaid balance is 45% a year on every card except Easy Credit, so the right card depends on how you spend and whether you pay in full.
Cost of carrying a balance on a Standard Chartered Mastercard
45% a year
3.75% a month, from the Credit Card Summary Box in the bank's July 2026 Most Important Document. The Schedule of Charges for 1 July to 31 December 2026 sets the ceiling at up to 46%.
The table shows each card’s annual fee from the Schedule of Charges for 1 July to 31 December 2026, and its main perk from the bank’s card pages as of 16 October 2026.
| Card | Annual fee | Supplementary card | Main perk |
|---|---|---|---|
| Easy Credit | Rs 9,000 | Rs 1,000 | Up to 90% of the limit as cash |
| Cashback | Rs 13,500 | Rs 5,000 | 5% back on fuel and groceries, 3% on electronics, up to Rs 1,000 a month |
| Titanium | Rs 14,500 | Rs 7,000 | 5% back at supermarkets, CIP lounges in Karachi, Lahore and Islamabad |
| Platinum | Rs 20,000 | Rs 9,000 | 1 point per Rs 40, 6 lounge visits a year at 25+ airport lounges |
| Saadiq Platinum | Rs 20,000 | Rs 9,000 | Islamic (Murabaha), 5% back on dining, groceries and online, up to Rs 1,000 a month |
| World | Rs 26,000 | Rs 11,000 | 1 mile per Rs 40, 12 visits a year at 1,000+ lounges |
Government excise duties and taxes are added on top of these fees, the schedule says. The schedule also lists a World Elite card at Rs 30,000 a year, but the bank’s website has no page for it as of 16 October 2026.
Most fees went up on 1 July 2026. Platinum rose from Rs 19,000 to Rs 20,000, Titanium from Rs 14,000 to Rs 14,500, Cashback from Rs 13,000 to Rs 13,500 and Easy Credit from Rs 7,500 to Rs 9,000.
None is best for everyone. On the bank’s own published terms, three things decide it:
If you often carry a balance, the perks matter less than the markup. Compare Standard Chartered with other banks in our credit cards compared guide, or with HBL’s cards.
The Cashback card pays 5% on fuel and 5% on groceries, each up to Rs 500 a month, and 3% on electronics up to Rs 500. The total is capped at Rs 1,000 a month, according to the bank’s Cashback page.
Our calculation: the most you can earn is Rs 12,000 a year. The annual fee is Rs 13,500. So the cashback alone never covers the fee. The card only comes out ahead if you also get the fee reversed by spending (see below).
To get the full Rs 1,000 in a month, you’d need about Rs 10,000 of fuel and Rs 10,000 of groceries on the card.
There is no joining fee. The annual fee is charged once you activate the card, and every year after that. You can get it reversed in these ways, as of October 2026:
Only shop and online spending counts. Bill payments and cash withdrawals don’t, except cash withdrawals on Easy Credit.
Our calculation: with a Rs 300,000 limit, you’d need to spend Rs 450,000 in 3 months, about Rs 150,000 a month, to get the second-year fee back.
As of the Credit Card Summary Box in the July 2026 Most Important Document (MID), the rates are:
| Product | Rate a year | Rate a month |
|---|---|---|
| Mastercard credit cards | 45% | 3.75% |
| Easy Credit (Employee Banking or SC Sahar clients) | 30% | 2.50% |
| Easy Credit (other clients) | 36% | 3% |
| Balance transfer and Aasan Instalment | 42% | 3.50% |
| Saadiq Platinum (profit rate) | Up to 45% | Up to 3.75% |
You avoid markup on purchases by paying the full bill by the due date. That gives up to 51 days interest-free, on every card except Easy Credit, where markup starts on the day you spend.
If you pay less than the full bill, markup runs from each transaction date. You also lose the interest-free period while any old balance is unpaid. The minimum payment is 1% of the principal plus interest, fees and any instalments due.
The late fee is Rs 2,000 or 10% of the minimum amount due, whichever is higher. On Saadiq cards, the bank pays the late fee out to charity.
Other Standard Chartered card charges, as of 1 July 2026: card replacement Rs 1,500, card conversion Rs 1,500, returned cheque Rs 1,000, failed direct debit Rs 1,200, and paying off an Aasan Instalment Plan early Rs 1,000 or 5% of the remaining balance (whichever is higher). Closing a card is free, but you must clear the balance first. Cards can’t be used for crypto or forex dealing, which SBP restricts.
As of 1 July 2026, conventional cards charge a spread of Re 1 per US dollar plus up to 6% of the transaction amount. Saadiq Platinum charges Re 1 per US dollar plus up to 5%. QR payments cost up to 6% on all cards.
Payments to foreign merchants that settle in foreign currency count as foreign transactions, even if you pay in rupees. The rupee amount is worked out at the open market buying rate when the charge settles, plus a risk premium.
Tax is added too. Under section 236Y of the Income Tax Ordinance, as of FBR’s rate card updated for the Finance Act 2026, banks collect 0.5% of card payments abroad if you are on FBR’s Active Taxpayer List (ATL) and 1% if you are not. See filer vs non-filer for how filer status works.
The bank sets your limit after checking your income and documents. The sales staff can’t promise a limit. The maximum is Rs 6,000,000, according to the July 2026 Summary Box.
You can withdraw up to 40% of your limit as cash on most cards, and up to 90% on Easy Credit. A cash advance costs Rs 1,200 or 3% of the amount, whichever is higher, as of 1 July 2026. Markup starts on the day you withdraw.
Our calculation: on Rs 20,000 withdrawn, 3% is Rs 600, so you’d pay the Rs 1,200 minimum. The 3% only costs more above Rs 40,000. Saadiq Platinum charges a flat Rs 1,200 per withdrawal.
According to the bank’s card pages as of 16 October 2026, you need to be:
You need your CNIC and proof of income. The bank asks for a monthly income above Rs 50,000 for Titanium and Easy Credit. It doesn’t publish a minimum income for Platinum, World or Saadiq Platinum.
Titanium also needs you to have had a credit card or loan from any bank for more than 1 year. You don’t need a Standard Chartered bank account to get a card.
For what banks check in general, including your credit record, see how to apply for a credit card.
Saadiq Platinum works on Commodity Murabaha (the commodity named in the MID is plastic resin), and charges a profit rate on your balance instead of interest. The bank may give a discount on profit if you pay within 51 days.
The annual fee is the same as the conventional Platinum: Rs 20,000 a year as of July 2026. For how Islamic banking differs, read Islamic vs conventional banking.
More guides: credit cards compared, HBL credit cards, Bank Alfalah credit cards, best bank in Pakistan, Money.
As of the July to December 2026 schedule, the annual fee is Rs 13,500 for Cashback, Rs 14,500 for Titanium, Rs 20,000 for Platinum and Saadiq Platinum, Rs 26,000 for World and Rs 9,000 for Easy Credit. Government taxes are added on top. There is no joining fee.
Until 31 December 2026, the first-year fee is reversed if you apply digitally. From the second year, the fee is reversed if you spend 1.5 times your credit limit within 3 months of the fee being charged, up to Rs 800,000 of spending (Rs 900,000 on World). Only shop and online spending counts.
The Credit Card Summary Box dated July 2026 lists 45% a year (3.75% a month) on Mastercard credit cards, and 30% or 36% a year on Easy Credit. Purchases paid in full by the due date are interest-free for up to 51 days, except on Easy Credit.
As of 1 July 2026, conventional cards charge Re 1 per US dollar plus up to 6% of the transaction amount. Saadiq Platinum charges Re 1 per US dollar plus up to 5%. Banks also collect advance tax of 0.5%, or 1% if you aren't on FBR's Active Taxpayer List.
The bank sets your limit after checking your income and documents, up to a maximum of Rs 6,000,000. You can take up to 40% of the limit as cash, or 90% on Easy Credit.
Photo: Khigrapher / CC BY-SA 4.0
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