Standard Chartered Bank Debit Card

Standard Chartered Bank is a leading global financial institution and offers impeccable financial services to individuals and businesses alike. While the bank opened its first branch in the UAE in Sharjah, now Dubai has become its regional office for Africa and Middle East operations. Standard Chartered has established its market with its banking products like bank accounts and deposits, credit cards, financing services, and investment banking services. 

The bank accounts in the UAE come with complimentary Standard Chartered debit cards. All these debit cards are internationally recognised and can be utilised for cashless transactions and more. To know more about Standard Chartered debit cards vis-à-vis their types, features, eligibility criteria, and more, keep reading the article below.

Types of Standard Chartered Debit Cards Available 

Standard Chartered debit cards are complimentary when you open a current or savings account with the bank. Based on this, the following are the types of Standard Chartered debit cards – 

Current Account – Debit Card

With a current account debit card, you can make international purchases in major foreign currencies. This debit card gives easy access to your bank account’s funds via ATM cash withdrawals, online banking, or cashless payments at merchant outlets. You can easily withdraw cash from any ATM in the extensive ATM network or from a UAE Switch ATM.

Saadiq Current Account – Debit Card

This Standard Chartered debit card comes with Saadiq current account, a Shariah-compliant bank account. With this debit card, you can make cashless transactions as you would have access to the funds in your account 24 by 7. The card is internationally accepted and is suitable for online purchases as well as cashless transactions at retail stores. 

For ease of access to the funds, there is a high cash withdrawal limit from any ATM in the bank’s network of ATMs or a Central Bank UAE Switch ATM.

Saadiq XtraSaver Account – Debit Card

This Standard Chartered debit card is globally recognised and can facilitate the withdrawal of cash from your account at any network ATM or a Central Bank UAE Switch ATM. The cardholder can use a Standard Chartered debit card to make online purchases or cashless transactions at retail outlets.

Savings Account – Debit Card

With a Savings Account debit card, you get instant access to the funds in your bank account as well as the option to perform transactions in multiple currencies. With higher cash withdrawal limits, you can easily withdraw funds from your account at any network ATM or Central Bank UAE Switch ATM. Moreover, you can use the card to make cashless payments at retail stores or for online purchases.

Saadiq Savings Account – Debit Card 

This Standard Chartered debit card is complimentary with the Saadiq Savings account. With this debit card, you can make cashless transactions as you would have access to the funds in your account 24*7. The card is globally accepted and is ideal for paying digitally for online purchases or for conducting cashless transactions at retail stores. 

There is a high cash withdrawal limit from any ATM in the bank’s network of ATMs or a Central Bank UAE Switch ATM.

Eligibility Criteria for Standard Chartered Debit Cards 

Since Standard Chartered debit cards are complimentary accessories with the bank account, the eligibility criteria to get one is the same as that for opening a bank account in the UAE. The following are the standards that individuals need to meet to get a Standard Chartered debit card – 

For Current and Saadiq Current Account Debit Cards

  • UAE Nationals and Residents
  • Minimum Age – 21 years

For Savings, Saadiq XtraSaver, and Saadiq Savings Account Debit Cards 

  • UAE Nationals, Residents, and Non-Residents
  • Minimum Age – 18 years

SC Debit Card

Documents Required for Standard Chartered Debit Cards 

The documents required to obtain Standard Chartered debit cards are the same as the ones needed to open an account with the bank. They can, however, differ based on the type of account you open. 

Here is the list of documents required to obtain a Standard Chartered debit card – 

For Current and Saadiq Current Account 

  • A copy of the passport with valid resident visa page
  • A copy and original Emirates ID

For Savings, Saadiq XtraSaver, and Saadiq Savings Account 

  1. For Residents 
    • A copy of the passport with a valid resident visa page
    • A copy and original Emirates ID 
  2. For Non-residents 
    • A copy of the passport
    • Bank statements of at least the last 6 months
    • Address proof like rental agreement or utility bills

How to Apply for Standard Chartered Debit Cards?

As mentioned earlier, the bank issues a complimentary Standard Chartered debit card upon account opening. However, if you need to replace the card owing to damage, loss, or expiration of the 1st card, you would be required to pay the applicable fees. 

For further queries, you can connect with a customer care representative of the bank.

How to Activate Standard Chartered Debit Card?

If you receive a new Standard Chartered debit card, you can generate a PIN using the official mobile banking application of the bank. Once you get the PIN, you can use the card at any Standard Chartered Bank ATM in the UAE. Keep in mind that if you have an old card, it will be automatically disabled. You would need to dispose of it securely.

If the card number of your new Standard Chartered debit card is the same as the previous one, you can use the former at any ATM using the existing PIN. This way, the old card will be disabled. You would need to dispose of it by destroying it.

How to Generate Standard Chartered Debit Card PIN?

If you have a new Standard Chartered debit card, you would be required to generate a PIN by calling on the phone banking number 600 5222 88 (24-hour banking number) or +971 600 5222 88 if requesting a new PIN from abroad. 

If you are a Priority Banking customer and need to generate a PIN for your Standard Chartered debit card, you can connect with the designated service provider on 800 4949 or +971 4 403 96309 (if calling from abroad).

Remember that if your new Standard Chartered debit card number is the same as the previous one, it means that your debit card PIN did not change. You can use the same PIN for the new card.

How to Change Standard Chartered ATM Card PIN?

You may need to change your Standard Chartered debit card PIN if your card is lost or stolen or if you have accidentally disclosed the PIN to a third party. You can change your Standard Chartered debit card PIN using the SC UAE mobile banking application and avoid standing in queues at the ATM or Phone Banking services. 

To change the PIN, follow these steps – 

  • Log in to the mobile application
  • From the Menu tab, tap on the “Help and Services” option 
  • Click on Debit/ATM Card PIN Change
  • Choose the Standard Chartered debit card whose PIN you need to change
  • Provide a new 4-digit PIN for the card you select. Re-enter the PIN and tap on Next. 
  • You will receive an OTP on your registered mobile number – enter the OTP and select Next

A confirmation window stating that the procedure is a success will appear

Cash Limit Per Day Information unavailable on the official website

Fees and Charges 

Tabled below are the charges of Standard Chartered debit card – 

Description Charges Details  Charges (AED)
First Debit Card At the time of opening account  Free
Replacement Debit Card Per Card 26.25
Processing Charges (for transactions in foreign currency) Per Transaction 2% + Foreign Exchange Rates at Visa and Mastercard
Central Bank UAE Switch and ATM Charges Charger Details Charges (AED)
Cash Withdrawal at non-Standard Chartered Bank ATM in the UAE Per Transaction 2.10
International ATM Withdrawals Per Transaction 21

How to Check Standard Chartered Debit Card Balance? 

When you check your Standard Chartered debit card balance, you would be checking the funds in your bank account. For this, you can log into your online or mobile banking account and get a detailed statement of your expenses and income. Another way to check the bank balance is to use your debit card at the nearest Standard Chartered Bank ATM and draw a mini-statement.

What to Do If Standard Chartered Debit Card is Lost?

If your Standard Chartered debit card is lost or stolen, report the same to the bank as soon as possible. You can use the SC UAE mobile banking application to report the stolen Standard Chartered debit card – 

  • Log in to the banking application
  • Tap on the Menu option and choose the “Help and Services” option
  • Click on the Report Lost/Stolen Card tab
  • Pick the reason for reporting the debit card as stolen or lost
  • Select the debit card you want to block
  • Verify the card details and select the “Submit” button 

Your lost Standard Chartered debit card will be reported and blocked. You can view the report status by clicking on the View Status option.

To know more about Standard Chartered debit cards and what people have been asking about them, read the FAQ section.

Frequently Asked Questions

Where can you use your Standard Chartered debit card? 

You can use your debit card in the UAE and abroad in most countries. Most retail outlets accept all Standard Chartered debit cards.

Is there any bonus point scheme on Standard Chartered debit cards?

Some debit cards have a reward point program where the cardholder can gain bonus points if they use the card in the manner mentioned in the brochure. These points are added to their bank accounts. 

When can you not use your Standard Chartered debit card?

You cannot use your Standard Chartered debit card in the following situations –

  • The card has reached its expiry date
  • The date on which the bank informs you about your card getting cancelled or replaced
What are some restrictions on the use of Standard Chartered debit cards?

You cannot use your Standard Chartered debit card for –  

  • Illegal activity
  • Paying off online gambling, betting, or wagering debts
  • Any suspicious transactions
What is the minimum balance to be maintained in your savings account to use your complimentary Standard Chartered debit card?

The minimum balance to be maintained in a regular savings account is AED 3,000.

What are the currencies you do transactions in using your Standard Chartered debit card?

You can make international purchases in USD, EUR, GBP, and more besides AED.

In what ways can you change your Standard Chartered debit card PIN in the UAE?

You can change your Standard Chartered debit card PIN at a network ATM or via online or mobile banking.

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