Bill payments · Credit cards
Standard Chartered credit card payment: every official option
Standard Chartered gives its Indian credit card customers six official ways to pay a bill. You can use online banking, BillDesk from any bank, NEFT or IBFT to the card number, auto-debit, a cheque drop box, or cash at a branch. People searching for SCB BillDesk are usually looking for the second option, which lets you pay from another bank's account without adding a payee. This page explains each method, gives the NEFT details from the bank's own page, and covers what we know about paying SC cards through third-party apps on Bharat Connect. It also shows what a balance left unpaid can grow to, so you can see why paying on time matters more than which method you use.
- NEFT IFSC
- SCBL0036001
- Pay from any bank
- BillDesk
- Cash
- Branch teller only
Official ways to pay a Standard Chartered card
These options come from Standard Chartered India’s credit card payment page. Pick the one that matches where your money is.
| Method | How it works | Best for |
|---|---|---|
| Online banking / SC Mobile | Log in and pay from the Payments section | Customers with an SC bank account |
| BillDesk | Pay from any bank through BillDesk | Paying from another bank without adding a payee |
| NEFT / IBFT | IFSC SCBL0036001, MG Road, Mumbai branch; card number as account number | Transfers from any bank’s net banking |
| Auto-debit | Standing instruction for full amount or minimum due | Never missing a due date |
| Cheque | Drop in a cheque collection box, payable to your card number | Those who prefer cheques; allow clearing time |
| Cash | Deposit at a branch teller | Paying in cash; branches only |
Paying by NEFT from another bank
NEFT works from almost any Indian bank account and is the usual choice if you don’t want to use BillDesk. You add your card as a payee once.
- 1In your bank’s net banking or app, add a new payee.
- 2Enter your 16-digit Standard Chartered card number as the account number.
- 3Enter IFSC SCBL0036001 (Standard Chartered, MG Road, Mumbai branch).
- 4Once the payee is active, transfer the amount by NEFT.
- 5Keep the transaction reference and check your card account a day or two later.
BillDesk, BBPS and third-party apps
BillDesk is a payment gateway the bank links from its payment page. You enter your card details there and pay from any bank's net banking or debit card, without adding a payee. That is what "SCB BillDesk" or "Standard Chartered BillDesk" searches refer to.
Third-party apps are less clear. Since July 2024, RBI has required app-based card bill payments to go through Bharat Connect (BBPS). In an August 2024 notice, Standard Chartered said it was working to enable payments through apps under those guidelines, and that payments through such apps might not be supported in the meantime. We couldn't confirm a go-live date. Check whether Standard Chartered appears in the credit card list in the Subspace app; if it doesn't, use one of the bank's own channels above.
What an unpaid balance grows to
Whichever method you use, the deadline is what counts. A balance carried past the due date attracts interest, usually quoted as a monthly rate, and late fees. Standard Chartered's tariffs and charges page states the exact figures for your card.
The chart uses an assumed 3.5% a month, compounding, to show how a ₹50,000 balance grows if nothing is paid. It passes ₹61,000 in six months and ₹75,000 in a year, before GST and late fees. Setting up auto-debit for at least the minimum due is the simplest protection against a missed date.
- Balance at 3.5% a month
Illustrative. Assumes 3.5% interest a month compounding, no payments, and excludes GST and late fees. Your card’s actual rate is in Standard Chartered’s schedule of charges.
| Balance at 3.5% a month, Months 0 | ₹50,000 |
|---|---|
| Balance at 3.5% a month, Months 1 | ₹51,750 |
| Balance at 3.5% a month, Months 2 | ₹53,561 |
| Balance at 3.5% a month, Months 3 | ₹55,436 |
| Balance at 3.5% a month, Months 6 | ₹61,463 |
| Balance at 3.5% a month, Months 9 | ₹68,145 |
| Balance at 3.5% a month, Months 12 | ₹75,553 |
Frequently asked questions
How do I pay my Standard Chartered credit card bill online?
Use SC online banking or SC Mobile if you bank with Standard Chartered, BillDesk if you want to pay from another bank, or NEFT to your card number with IFSC SCBL0036001.
What is SCB BillDesk?
BillDesk is the payment gateway linked from Standard Chartered’s card payment page. It lets you pay your SC card bill from any bank’s net banking or debit card without adding a payee.
Which IFSC do I use for Standard Chartered credit card NEFT?
SCBL0036001, the MG Road, Mumbai branch. Use your 16-digit card number as the account number.
Can I pay my SC credit card bill on Subspace or UPI apps?
App payments must go through Bharat Connect, and Standard Chartered said in 2024 it was still enabling this. Check whether it appears in the credit card list in the app; if not, use BillDesk or NEFT.
Can I pay my Standard Chartered card bill in cash?
Yes, but only at a Standard Chartered branch using the teller facility.
Can I pay my SC credit card from another bank without adding a payee?
Yes. Use the BillDesk option on Standard Chartered’s payment page, which takes payment from any bank’s net banking or debit card.
Should I pay the full amount or the minimum due?
Pay the full amount whenever you can. The minimum due keeps the account in good standing, but interest is charged on whatever you carry, at the rate in Standard Chartered’s schedule of charges.
Can I set up auto-debit for my SC credit card?
Yes. Standard Chartered offers a standing instruction to pay either the full amount or the minimum due each month.
Pay on the web
Pay your Standard Chartered credit card bill by online banking, BillDesk from any bank, NEFT with IFSC SCBL0036001, auto-debit or a BBPS app, with timing tips.
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Facts on this page were last checked on 2026-10-12. Prices and plans change; the final amount shows before you pay.