Jun 27, 2005 10:48 PM
3880 Views
(Updated Jun 27, 2005 11:06 PM)
Dear MS users,
I have been using the Standard chartered Gold card since an year now and its been a WONDERFUL EXPERIENCE with them. I never had to call them till date for any issues whatsoever.
When you choose a credit cart, you would be choosing it depending upon your needs. Basically as we all know, the Silver cards would be having a less credit limit compared to GOLD cards. Obviously when you are going for a GOLD card, it is always better to buy the one which would give you the THE VALUE FOR YOUR MONEY. Correct?
Here are the details about WHAZ UP WITH SCB GOLD CARD:
Free Health Check-up at the best hospitals
Good Credit Limit,
Higher credit limits & higher cash advance facility
Balance transfer at 1.75 %
Photo card ( I understand, most of the Banks give you this facility)
Highest Credit free period- 52 days( As far as my knowledge is concerned, this is the highest among all the Credit cards)
Cheque collection boxes -- Almost in every area in B'lore they have the Drop boxes
Insurance benefits -- Free and there are range of Insurance covers to safe guard you
Instabuys -- pay back in easy installments for high value purchases
Travel CASH BACK -- you have 3% off on national and 4.5% on international ticketing for air tickets
Cash back on Petrol purchase in ANY PETROL BUNK -- 5 % cash back
The above are the few of the WONDERFUL options that you get along with your SCB GOld card.
Customer care: This is one aspect which is very very important and believe me even if you call them at midnight they would respond you in a very good manner and all your questions are answered in a very good manner as well.
Billing: I see lot of reviews in this MS site complaining about the billing issues in various Credit card. But let me tell you, till date I have not faced any such issues with Standard chartered Bank. They are just wonderful. I mean, you get the Statement in time and you get all the details and mind you even the POINTS that they give you on your purchases are always according to the purchases UNLIKE CITIBANK which would always give you SOME explanation on not crediting the correct points!
Online banking This option from SCB is also a very good and FAST one. You could see all your Credit card details here. You could even e-mail to Customer care and get the reply in two days.You have the option to pay your due online ( as with most of the banks) if you have the Savings account with them.
Credit limit enhancement: This is one of the good thing that they have. They would review your transactions and payments details and accordingly increase your credit limit every 6 months. This one I found very good one. Though after certain credit limit you wont look for more. As in my case :-)
Miscellaneous: Well, this is strictly between you and m... do not say this to SCB :-)
quite some times (may be 3-4 times) I have paid the Due amount late by 1-2 days(I usually forget the due dates, but now a days have become carefull and keep the reminders on, on my cell phone) but they have accepted it with out much fuss
UNLIKE CITIBANK.....:-)
The negative which I could list now is the LACK of SMS ALERTS about your ACCOUNT.
I have written my personal experience about Stan Chart( this is what I call with affection) so dont think that they have paid me hefty amount to write this review !! I wish that was true :-)
I have had Cards from Citi bank ( The worst ever Credit cards -- some day I would come up with my story on Citi bank aswell, do keep an eye on this section!), SBI, ICICI and HSBC( New one, nothing much to write about) and I found Stan chart is the BEST
All in all what I can say is '' When you are paying money to have something, then why not go for the best possible thing available ?''
Do let me know your responses. I would be glad to correct myself.
PS: This review is purely based on my experience with them. No offence. :-)
Chill out...
Amith
