Bandhan Bank Standard Chartered Xclusive credit card

The Bandhan Bank and Standard Chartered Bank have partnered to offer a wide range of exclusive credit cards to their customers. With their credit cards, you can gain rewards and save huge costs for fuel, shopping, dining, fuel movies, and many more.

Some of the well-known Bandhan Bank Standard Chartered Cards are Bandhan bank Standard Chartered Plus Credit Card, Bandhan Bank Standard Chartered One Credit Card, Bandhan Bank Standard Chartered Xclusive Credit Card.

How to Apply for Bandhan Bank Standard Chartered Xclusive credit card?

With Roopya, it’s frickin easy to apply for a credit card. You just need to follow these simple steps.

1. Visit: Credit card application form
2. Just follow simple steps & fill in a few details.
3. Get instant credit approval & we will send the credit card to your address.

If your application is approved, you will receive a confirmation message on your registered number. An executive will call you to further the process accordingly.

Here we will talk about the Bandhan Bank Standard Chartered Xclusive Credit Card, its features, eligibility criteria, application process, and many more. To know more details of this credit card, read below-

Want to compare with other cards? Visit: Compare credit cards

Benefits of Bandhan Bank Standard Chartered Xclusive Credit Card

These are the following benefits that you will gain with this exclusive credit card offered by Bandhan Bank Standard Chartered Credit Card-

Global Acceptance

One of the main benefits of this credit card is that it is accepted internationally. It means, that you can use this card for domestic as well as a foreign e-commerce websites. So now you can do online shopping with this credit card conveniently.

Reward Points Benefit

Just like all other credit cards, you also get to earn reward points. You will earn 3 reward points for every spending of Rs. 150 with this card. Along with that, you will also get 10 additional reward points for the transaction of different purposes such as movie tickets, groceries, dining, purchases from supermarkets, medical emergencies, etc.

Welcome Benefits

Every new customer availing of this card enjoys a welcome or joining benefit. In this category, you can avail of a gift voucher worth Rs. 3,000 as a MakeMyTrip Cashback. Additionally, you will get more reward points as a joining benefit.

Fuel Surcharge Waiver

The users of this card also get a fuel surcharge waiver at every petrol pump across India. The surcharge depends upon the amount of purchase.

Lounge Access

You also get the benefit of lounge access. In this category, you get to enjoy 4 lounge access every year. Furthermore, there is no necessity of minimum spending that you need to claim to earn this benefit.

Milestone Benefit

If you get this credit card, then you can enjoy the milestone benefit. If you spend a minimum amount of Rs. 4,00,000 in the first year, then the annual fees of the upcoming year will be waived off.

In-Built Chip

The credit card is specifically designed with an in-built chip. Hence, it will secure your every transaction. It will also prevent any fraudulent transactions and save your credit card.

Eligibility Criteria to Apply for Bandhan Bank Standard Chartered Xclusive Credit Card

To apply for the Bandhan Bank Credit Card, you need to know the eligibility criteria. So, if you are eligible, then you cannot apply for the Bandhan Credit Card. Read below to know the details-

Resident

Firstly, to be eligible to apply for the Bandhan Bank Credit card, you need to be a citizen of India. If you are a Non-Resident Indian (NRI), then also you can apply for this card.

Age of the Applicant

After that, the age of the applicant is another important factor. For both salaried and self-employed individuals, the minimum age to apply for the Bandhan Bank Credit Card is 21 years. Furthermore, the maximum age to apply for this card is 65 years.

CIBIL Score

Thirdly, you must have a good CIBIL score to avail of this card. So, to get the Bandhan Bank Standard Chartered Credit Card, you must have a CIBIL Score of 750 or above. During verification, the bank will check your credit score. So, if you have a high CIBIL score, then the approval of your application increases.

Documents Required for Bandhan Bank Standard Chartered Xclusive Credit Card

After the eligibility criteria, you need to submit important documents for verification to the Bandhan Bank. The proofs that you need to submit are- Income Proof, Address Proof, and Identity Proof. Here are the documents that you require for these proofs-

Identity Proof

As ID proof, you will need the following for Bandhan Bank Standard Chartered Credit Cards-

• Recent Colour Passport Size Photograph
• PAN Card
• Passport
• Aadhar Card
• Voter ID Card
• Driving License
• Passport

Address Proof

These are important proofs that you need to submit to get a Standard Chartered Credit card-

• Aadhaar Card
• Passport
• Utility Bills
• Driving License
• Ration Card
• Recent Bank Account Statement

Income Proof

read below to know about the important proof to apply for this credit card

For salaried employees-

• Salary Slip of recent months
• Copy of Income Tax Return

For self-employed persons-

• Business Proof
• Financial Report
• Recent Copy of Income Tax Return

Fees & Charges

• Joining Fees– Rs. 2999 along with the GST charges.
• Annual Fees-The annual fee for this card is Rs. Rs. 2999 along with the GST charges.
• Renewal Fees– If you spend Rs. 4,00,000 in the previous year, then the renewal fee is waived off.
• Cash Withdrawal Fees– Minimum amount for cash withdrawal is Rs. 300. The charge is 3% on the total withdrawal amount.
• Markup Fee for Foreign Currency Markup– 3% of the total transaction.
• Finance Charges– You have to pay 3.49% per month as finance charges.

Bandhan Bank Standard Chartered Xclusive Card vs YES First Exclusive Credit Card

The YES First Exclusive Credit Card is a competitor of this credit card. Here we have listed the advantages and disadvantages of both credit cards.

Advantages of YES First Exclusive Credit Card

• The users get a Life Insurance benefit.
• You get 24 reward points for every spend of Rs. 200 on Domestic Airlines, Tours, and Travel Agencies, as well as Dining.
• Earn 12 reward points for spending Rs. 200 on other categories.
• Enjoy access to the golf course

Disadvantages of YES First Credit Card

• The reward rates are low
• The options for reward redemption are fewer.

Advantages of Xclusive Card

• Earn 10 reward points for spending on movies, dining, groceries, supermarkets, etc.
• Get 4 visits or lounge access in a quarter.
• Get more rewards for the whole year.
• Get a cashback worth Rs. 3000 on MakeMyTrip.

Disadvantages of Xclusive Card

• There is no golf course access
• The Renewal Fee is very high
• The interest rate is also high

FAQs

These are some frequently asked questions for Xclusive Credit Card by Bandhan Bank Standard Chartered.

What is the limit for credit card transactions for per day usage?

There is a limit for transactions allowed in a day. You can use the Xclusive Card for a maximum of 5 transactions per day.

What is the maximum amount of transaction that I can avail of per transaction with the Xclusive Card by Bandhan Bank Standard Chartered?

The maximum transaction amount for Bandhan Bank Credit Card is Rs. 2000.

Is there any lounge access with the Credit Card?

Yes, of course, the Bandhan Bank Xclusive Card also offers lounge access to its users. With this credit card, you will get 4 lounge access per calendar year.

How can I earn reward points with Xclusive Card?

You can 3 reward points for every spend of Rs. 150. Also, you will get 10 extra reward points for using the card for movie ticket bookings, dining, groceries, departmental stores, etc.