The minimum CIBIL™ score needed for the Standard Chartered credit card is 750. A CIBIL™ score lower than 750 will most likely lead to the rejection of your credit card application. Even if Standard Chartered approves a credit card with a CIBIL™ score lower than 750, chances are that the interest rate would be higher. 

Best Credit Cards Offered by Standard Chartered Bank 

  1. Standard Chartered EaseMyTrip Credit Card – Best suited for travel
  2. Standard Chartered Smart Credit Card – Best suited for cashback
  3. Standard Chartered Manhattan Platinum Credit Card – Best suited for cashback and rewards
  4. Standard Chartered Super Value Titanium Credit Card – Best suited for fuel and utility bill payment
  5. Standard Chartered Ultimate Credit Card – Best suited for travel and golf

All the above credit cards require a CIBIL™ score of 750+ for smooth and quick approval of the credit card application.

Tips to Maintain a High CIBIL™ score

  1. Pay your bills on time - Late payments can have a negative impact on your credit score, so it's important to make all of your payments on time.
  2. Keep your credit utilization low - Your credit utilization ratio is the amount of credit you're using compared to your credit limit. Try to keep this ratio below 30% to maintain a good credit score.
  3. Don't apply for too much credit at once - Applying for multiple lines of credit in a short period of time can be seen as a red flag by lenders and can lower your credit score.
  4. Monitor your credit report regularly - Check your credit report at least once a year to ensure that all of the information on it is accurate.
  5. Keep old accounts open - The length of your credit history can impact your credit score, so it's generally a good idea to keep old accounts open, even if you're not using them.
  6. Use credit responsibly - Only use credit when you need to, and make sure you can pay it back on time. Avoid carrying balances on credit cards, as high levels of debt can negatively impact your credit score.