Who can apply?
Standard Chartered publishes the criteria on the product page. You need to:
✔️ Be a Bangladeshi resident, at least 19 years old
✔️ Hold a National ID (NID) and an e-TIN certificate (foreign nationals: passport and work permit)
✔️ Have a verifiable income as a salaried employee or as a self-employed person
✔️ Pass the bank’s credit assessment, which includes the Bangladesh Bank CIB report
What are the fees and rates?
Figures from the bank’s consolidated credit card fee schedule effective 1 August 2026; 15% VAT applies to all fees.
✔️ Annual fee: BDT 1,500 (primary card); first and second supplementary cards free, BDT 500 a year from the third
✔️ Interest: 25% a year on unpaid balances; up to 45 interest-free days on purchases when the previous statement is paid in full
✔️ Minimum payment: 1% of the principal plus all fees, charges and instalments, or at least BDT 500
✔️ Cash advance: up to 50% of the limit, fee of 2.5% of the amount (or USD 5 abroad, whichever is higher)
✔️ Late payment BDT 450; over-limit BDT 1,000; card replacement BDT 200; wallet loading via MFS 1%
✔️ InstaBuys 0% at selected merchants; EMI conversion at a flat 9.5% a year (effective 15% to 19%); cash advance EMI with 2% processing fee
What documents do you need?
✔️ Copy of NID and e-TIN certificate
✔️ Salaried applicants: appointment letter or salary certificate, last three months’ bank statement showing salary and pay slips if the salary varies
✔️ Self-employed applicants: trade licence or company documents (MOA, AOA, Form X/XII, board resolution) and last twelve months’ bank statement
✔️ The bank may ask for additional documents during the assessment
A piece of advice for you!
Use the online form rather than a branch visit: the application on the official site is short, and the bank calls you back to collect documents. Have scans of your NID, e-TIN and salary documents ready so the process does not stall.
Set up an auto-debit or a standing payment for the full statement balance. The 45 interest-free days only apply when the previous bill was cleared completely; paying the 1% minimum turns every purchase into a 25% a year loan.
Treat the card cheque and the cash advance as tools for a specific need, not as a habit. Both are charged as cash from day one, and repeated cash withdrawals are also read badly by any bank that later reviews your file.
And decline the third supplementary card unless you really need it: the first two are free, the third costs BDT 500 a year plus VAT.
Apply now on Standard Chartered’s official website!
On the official page, tap “Apply Now”, complete the short form with your name, phone and city, and wait for the bank’s call. You will be asked to submit the documents above; the card is delivered after approval. Tap the button to go there.
Kredua is not a bank or a financial institution licensed by Bangladesh Bank and does not lend money or issue cards. We describe products offered in the Bangladeshi market so that you can decide with more information; every application is made directly with the bank you choose, which alone assesses and approves it.
Photo: Shkuru Afshar · CC BY-SA 4.0 · Wikimedia Commons
