Who can apply for the Standard Chartered Mastercard Platinum?
The bank’s stated eligibility is short: you must be a Pakistani resident aged at least 21 if you are salaried or 25 if you are self-employed, with a valid and active e-mail address and a Pakistani mobile number. Income and credit history are assessed during processing, and the MID makes clear that the sales representative cannot tell you the limit in advance; it is set only after your documents are reviewed, up to a maximum of PKR 6,000,000.
Employee Banking customers, whose salary is paid into a Standard Chartered account, and Priority or Premium clients get better fee terms. Priority account holders keep the annual fee waived for as long as they meet the Priority criteria; SC Sahar account holders get a preferential rate on personal loans, which we cover in the loan section.
Requirements to get the Standard Chartered Mastercard Platinum
✔️ Pakistani resident, aged 21 or above (salaried) or 25 or above (self-employed)
✔️ Valid CNIC
✔️ Proof of income: salary slip or bank statement for employees, business proof for the self-employed
✔️ Active e-mail address and Pakistani mobile number for OTPs and statements
✔️ Signed application and the Declaration/Undertaking required by the State Bank of Pakistan, including disclosure of your existing credit limits at other banks
A piece of advice for you!
Apply through the digital channel if you can. While the promotion lasts, until 31 December 2026, the first-year annual fee is reversed on digital acquisitions for all Standard Chartered cards, which saves you the Rs. 200,000 spending test.
Read the payment allocation rules in the MID before your first statement: payments are applied to instalments, financial charges and fees before retail transactions. If you pay less than the full statement, markup runs from the transaction date on the unpaid part.
And note the foreign transaction cost: up to 6% of the amount plus a spread of Re 1 per US dollar, converted at the open market rate on the settlement date. For frequent purchases in foreign currency, budget for that before you tap.
What are the fees and charges of the Standard Chartered Mastercard Platinum?
From the MID (version SCBCPRMIDV014072026): no joining fee; annual fee Rs. 20,000 for the basic card and Rs. 9,000 per supplementary card, with the first year reversed if you spend Rs. 200,000 or 70% of the limit, whichever is lower, within three months, or on digital applications until 31 December 2026; annual interest rate 45% (3.75% per month) on the standard Mastercard range, 42% on balance transfers and Aasan Installments; interest-free period up to 51 days on retail purchases; minimum payment 1% of principal outstanding plus interest, fees, instalments and arrears; cash advance up to 40% of the limit at Rs. 1,200 or 3% per transaction, whichever is higher; foreign transactions up to 6% plus Re 1 per USD; card replacement or conversion Rs. 1,500; late payment Rs. 2,000 or 10% of the minimum due, whichever is higher; cheque return Rs. 1,000; direct debit failure Rs. 1,200; no cancellation charge.
How to apply for the Standard Chartered Mastercard Platinum?
Start on the product page of the Standard Chartered Pakistan website, where the “Apply Now” button opens the digital form, or call 111-002-002. You submit your CNIC and income proof, sign the declaration, and the bank runs its checks. According to the MID, the standard processing time is two to three weeks and the card is delivered four to six weeks after the application. Activation is done on the website, in the SC Mobile app or through the contact centre.
With your CNIC and income document ready, press the button to go to the official page and begin your application.
Kredua is not a bank, a lender or a financial institution and does not issue cards or loans. We review products offered in Pakistan so that you can decide with better information; every application is made directly with the bank, which alone assesses and approves it.
