Standard Charted Visa Gold Credit Card – Learn About How to Get Approved

If you need a card that’s going to give you something back for the money you spend, then check out the Standard Chartered Visa Gold Credit Card. It offers rewards for shopping, travel, holidaying, and dining experiences, among others. 

So if you spend a lot on those aforementioned things, then this card might be up your alley. Standard Chartered and Visa are both reputed players in their respective markets so you get the benefit of both with this card. 

You can reach a dedicated 24-hour helpline number if you run into issues with your card. We’ve looked a little deeper into this card and have compiled information on fees, eligibility requirements, and more up next. 

Standard Charted Visa Gold Credit Card - Learn About How to Get Approved

Features of the Card

The Standard Chartered Visa Gold Credit Card offers a plethora of benefits. Under the 360 Degree Rewards Program, cardholders are rewarded one point for every Rs 300 spent using the card. 

You can then redeem these points for holidays, shopping, and dining experiences. Additionally, on the purchase of a return air ticket with the card, the primary cardholder and family members get complimentary travel insurance. 

There is also a ‘Loan on Card’ offer that provides easy loan facilities in times of crisis with zero documentation required. There is also smart cheque, smart wallet, easy pay, credit ease, SMS banking, and i-Banking facility available. 

How to Apply

To apply for a Standard Chartered Visa Gold Credit Card, applicants need to visit the bank’s website and hover the mouse over the ‘Credit Cards’ tab on the top of the page. 

This will lead open a sub-menu showcasing the various credit card options offered by the bank. Select the ‘Visa Gold Credit Card’ option. You will be taken to the credit card page. 

If you want to apply you can hit the ‘Apply Now’ button. This will lead to the online application form. Applicants will need to fill in the required details and will receive a call from a bank representative if the application is accepted.

Interest and Other Charges

Cardholders will incur the following charges on their Standard Chartered Visa Gold Credit Card.

  • Joining fee: Rs 500
  • Annual fee – Primary card: Rs 2500
  • Annual fee – Secondary card: Rs 2500
  • Cash advance fee: Rs 900
  • Late payment fee: Rs 900
  • Over limit fee: Rs 900
  • Interest Rate (Retail and Cash Advances): 24 % p.a.
  • Interest-free period: 48 days
  • Payment due date: 18 days from the statement date
  • Cash advance available: 50 % of credit limit (maximum) 

Eligibility Criteria

The applicant should be at least 18 years of age. They should have a minimum net income of Rs 30,000. Based on the source of income, the applicant will need to furnish the following documents.

For Salaried Individuals

Salaried individuals will need to produce a copy of identification such as the National Identity Card (NIC), passport, or driving license. 

They will also need to produce a certified salary slip confirming the salary, proof of variable income for the past three months, and proof of any other fixed allowance. 

For Self-Employed Individuals

Self-employed individuals will need to produce a copy of identification similar to salaried individuals, i.e., National Identity Card, Passport, or driving license. 

For proof of income, self-employed individuals will require to produce a letter from an auditor confirming the annual income for the last two years. 

You will also need to provide a business registration certificate and bank statements for the previous six months (company and personal).

The bank may contact the applicant for more information as required.

Contact Information

If you need additional information regarding the Standard Chartered Visa Gold Credit Card, contact any bank representative using any of the details mentioned below.

Main Office: 37 York Street, Colombo 1, Sri Lanka

Tel: 2480 000 – Fax: 5450 007

Wellawatte: 585 Galle Road, Colombo 6, Sri Lanka

Tel: 2581 225, 2581 335, 2364 457 – Fax: 2508 933 

Helpline number +94 112 480 480

Standard Charted Visa Gold Credit Card - Learn About How to Get Approved


The Standard Chartered Visa Gold Credit Card is good for people who spend a lot on holidays, shopping, and dining. If you don’t spend so much on those things then this is just an average card. 

The perks are for the spenders, and the interest rate is middle-of-the-road. Check out a bunch of cards before deciding on which one best suits your lifestyle. 

Disclaimer: Credit cards have multiple risks involved. Please refer to the bank’s terms and conditions page before agreeing to anything.