The Titanium credit card offered by Standard Chartered is a credit card that comes packed with numerous features and benefits. These benefits can range from cash back offers on referrals to 10% cash back when you spend on shopping. It also offers cash back when you spend over AED 10,000 in 60 days. You can even get cash back when you use this card for things like paying the school fee and utility bills. It will even allow you to shop at select outlets and pay back the amount you spend in instalments with 0% interest.
Features of the Standard Chartered Titanium Credit Card
- Annual Fee: The annual fee for this card is AED 300.
- Supplementary cards: The first 3 supplementary cards are issued without any annual fee. From the 4th card onwards, the annual fee is AED 100.
- Interest Rates: The interest rate charged on the retail purchases is 3.25% per month.
- Credit Period: This card offers an interest free credit period of 50 days.
- Cash Advance: You can withdraw a part of your credit limit as cash on which an interest rate of 3.25% per month will be applicable.
- Cash withdrawals: The fee charged for cash withdrawal is the higher of 3% of the amount withdrawan or AED 100.
- International transactions: This card can also be used to conduct transactions in foreign currencies for whcih a fee of 2.15% of the transaction amount will be charged.
Benefits of the Standard Chartered Titanium Credit Card
Apart from these features, the Titanium credit cards also offer some amazing benefits like:
- Credit Shield: Paying 0.89% of the outstanding balance will activate the credit shield that will make sure your due payments don't become a burden on your family if something happens to you.
- Instalment Plan: The card offers a choice of 3 payments plans, smart, easy and fixed that can be used to make payments and paid back in as long as 48 months.
- Special Offers: Some of the special offers that you have access to through this card are:
- If you use this card to pay utility bills then you are eligible for 10% cashback.
- Booking movie tickets at any VOX Cinema in the UAE entitles you to a 50% discount.
- If you go shopping for groceries with this card, then you are eligible for 10% cash back.
- It also provides access to over 100 airport lounges around the world.
- If you spend upwards of AED 10,000 in 60 days then you eligible for AED 500 as cash back.
- If you refer someone for a card and they get selected then you receive AED 200 as cash back.
- The card also offers a 0% instalment plan for 6 months if you transfer the balance from another credit card to this one.
- The card also offers security in the form of a pin and a chip card to protect against fraudulent use of your card.
The rewards that this card offers, coupled with the special offers makes using this card rather enjoyable with that distinct feeling of exclusivity.