Standard Chartered Credit Card Charges 2026 in Pakistan: Annual Fee for All 6 Cards, 46% Markup, Late Fee and Cash Advance (Full List)

We downloaded Standard Chartered's conventional schedule of charges for the second half of 2026 from the bank's own site on 12 November 2026 and read the two credit card pages line by line. We also opened the bank's credit cards page to see which cards it is selling now. Below is every annual fee, every penalty, and the sums that show what each charge costs in practice.

Standard Chartered credit card annual fees run from Rs 9,000 to Rs 30,000

Standard Chartered lists six Mastercard credit cards in its July to December 2026 schedule. The cheapest annual fee is Rs 9,000 for Easy Credit and the dearest is Rs 30,000 for World Elite. A supplementary card for a family member costs Rs 1,000 to Rs 15,000 a year.

The schedule says government taxes may apply on top of these charges. So the amount on your statement can be higher than the figure in the table.

Priority Banking clients who meet the bank's balance rules get the annual and joining fee waived on every card except World and Easy Credit, the schedule says. For everyone else, the full fee applies.

Markup is up to 46% a year on purchases and cash

The schedule sets the service fee, or markup, at up to 46% a year on both shopping and cash withdrawals, for every card. The schedule does not spell out the free period, but on credit cards markup is normally charged on the amount left unpaid after the due date. Confirm the rule for your card with the bank.

At 46% a year, Rs 100,000 left unpaid for one month costs about Rs 3,833 in markup. Leave it for a full year and it is about Rs 46,000. The schedule adds that discounts on rates "may be offered during special promotions", but it gives no lower figure.

Corporate cards have their annual fee waived and carry a flat 46% markup, the same page says.

Late fee, cash advance and other penalties

The late payment fee is Rs 2,000 or 10% of the minimum amount due, whichever is higher. A cash withdrawal costs Rs 1,200 or 3% of the amount, whichever is higher, plus any charge from the ATM's own bank.

When the late fee goes above Rs 2,000

The 10% rule takes over once your minimum due is above Rs 20,000. For example, a minimum due of Rs 30,000 paid late costs Rs 3,000, not Rs 2,000. The late fee is on top of the markup.

When the cash advance fee goes above Rs 1,200

The 3% rule takes over for a cash withdrawal above Rs 40,000. Taking Rs 10,000 in cash still costs Rs 1,200, which is 12% of the amount. That makes small cash withdrawals the most expensive way to use the card.

Foreign spending carries up to 6% extra

Every purchase settled in foreign currency, or made through a foreign merchant, counts as a foreign transaction. The schedule adds a spread of Re 1 per US dollar and up to 6% of the amount. QR payments also carry up to 6%.

So a US$100 online purchase could cost up to US$6 more than the card network rate, plus the Re 1 per dollar spread. The schedule also warns that the conversion rate is taken when the charge settles, which can be days after you buy. Our guide to foreign transaction fees on Pakistani cards compares this with other banks and wallets.

The Re 1 spread does not apply to transactions a foreign merchant bills in rupees, the schedule notes. Those are called DCC, dynamic currency conversion, and they often have their own markup built in by the merchant.

Instalment plans can cost up to 20% of the amount

Standard Chartered's Asaan Instalment Plan lets you split a purchase into monthly payments. The schedule allows booking charges of up to 20% of the booked amount, and service charges up to the card's markup rate. Closing a plan early costs Rs 1,000 or 5% of what is left.

The schedule gives maximums, not the exact rate on each plan. Ask for the total cost in rupees before you agree, and compare it with other banks in our credit card instalment plans comparison.

Here is how to keep the charges down:

1. Pay the full statement balance by the due date.
2. Set up a direct debit, but keep enough in the account. A failed debit costs Rs 1,200.
3. Avoid cash withdrawals on the card. Even Rs 5,000 costs Rs 1,200.
4. Check whether Priority Banking would waive your annual fee.
5. Read your statement each month. Our guide to credit card statement rights explains what the bank must show.

The credit cards page also shows a Saadiq Mastercard Platinum card, which is Islamic. Its charges are not in the conventional schedule we read, so they are not in this guide. For card activation and bill payment, see our Standard Chartered credit card guide.

Frequently asked questions

Last checked: 12 November 2026, in Standard Chartered Pakistan's conventional schedule of charges for July to December 2026 and its credit cards page.