Standard Chartered Discounts — Official Card Offers
Which SCB card unlocks which discount, cashback, or lounge benefit.
- Up to 50% Off Dining
- 5% Saadiq Cashback
- Reward Program
Standard Chartered discounts run through the bank's Reward Program plus card-specific offers: Mastercard World cardholders get up to 50% off dining, retail, and lifestyle merchants, and Saadiq Mastercard Platinum earns 5% cashback on groceries, dining, and e-commerce.
Standard Chartered discounts in Pakistan are split across a points-based Reward Program and merchant-specific offers tied to individual card products. This page lists the actual active offers by card, sourced from SCB's official promotions and credit-card pages rather than aggregator deal sites.
Card Discounts & Cashback
| Card | Offer |
|---|---|
| Mastercard World Credit Card | Up to 50% off dining, retail, and lifestyle merchants |
| Mastercard Platinum Credit Card | Access to 25+ airport lounges |
| Saadiq Mastercard Platinum | 5% cashback on grocery, dining, and e-commerce transactions |
| Mastercard Titanium Credit Card | Cashback on supermarket transactions |
| Mastercard Cashback Card | Save up to PKR 1,000 per month |
Offers confirmed from Standard Chartered Pakistan's official Credit Cards section on sc.com/pk.
Annual Fees — What Each Card Actually Costs
| Card | Annual Fee |
|---|---|
| Mastercard Easy Credit | Rs 9,000 flat |
| Mastercard Titanium / Cashback | Rs 13,500 – 14,500 |
| Mastercard Platinum | Rs 20,000 |
| Mastercard World | Rs 26,000 |
| Mastercard World Elite | Rs 30,000 |
| Saadiq Mastercard Platinum (Ujrah) | Rs 20,000 |
Weighing a card's annual fee against its discounts and cashback matters — a Mastercard World's Rs 26,000 fee only pays for itself if you're actually using the dining/retail discounts and lounge access regularly; lighter spenders are often better off on a lower-tier card with a smaller fee.
Annual fees confirmed from Standard Chartered Pakistan's official Conventional Schedule of Charges, 1 July – 31 December 2026.
Reward Program
Standard Chartered's Reward Program lets credit cardholders earn points on eligible spend and redeem them toward purchases — separate from the direct cashback and merchant-discount offers tied to specific cards. Details on point accrual rates, redemption catalogue, and expiry vary by card and are confirmed on SCB's official Reward Program page rather than repeated here, since terms are updated periodically.
Beyond Cards: Other Active Promotions
Sohni Dharti Remittance Program
A loyalty program rewarding overseas Pakistanis for routing remittances through SCB.
RAAST
Free, instant end-to-end digital payments through Pakistan's national instant payment system.
Score Your Goals
An investment-linked promotion offering a chance to watch Liverpool FC play at Anfield.
Promotions confirmed from Standard Chartered Pakistan's official Promotions section.
Frequently Asked
Do debit cards get discounts too, or only credit cards?
Most headline discount and cashback offers are tied to credit cards; debit card holders generally get more limited merchant offers, if any.
Do offers change often?
Yes — merchant partnerships and cashback percentages are periodically refreshed, so confirm the current offer directly on SCB's promotions page before relying on a specific figure.
Is the Reward Program the same across all cards?
No — accrual rates and redemption catalogues vary by card tier, with premium cards typically earning points faster.
Good For
- Matching the right SCB credit card to the discount category you actually spend on
- Distinguishing cashback cards from lounge-access and reward-point cards
- Checking active promotions beyond cards, like RAAST and remittance loyalty offers
- Avoiding stale third-party "deal" listings that no longer reflect current offers
Ready to bank with Standard Chartered?
Verify current rates, offers, and terms directly with SCB Pakistan before you apply.
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