Standby Cash

Standby Cash: Revolving Credit for Emergency Use

Standby Cash Card

We’re always ready to offer you cash accessibility to get you prepared for special occasions in life or in time of spending needs.

• You will not miss your opportunities in life when a prompt decision is needed.
• You will have emergency money reserved for you at all times in case of unforeseeable circumstances.
• Your special moments / occasions will be impressively fulfilled.

For more information, please call 02 724 9000 on Monday – Friday during office hours
from 8.30 am – 5.30 pm

Benefits

Get lowest interest rates at 22% p.a. The 22%-28% p.a. interest rate applies for the spending amount on your credit limit as specified in the table below:

Monthly income THB 15,000-19,999	28% p.a. (MRR* + 16%)
Monthly income THB 20,000-29,999	26% p.a. (MRR* + 14%)
Monthly income THB 30,000 and up	22% p.a. (MRR* + 10%)

*MRR (Minimum Retail Rate) is a floating rate and subject to change according to periodic Bank Announcements. (For your reference, MRR = 12% p.a. as of May 4, 2011 till present.)

Maximum credit limit up to 3 times of monthly income but not exceeding THB 1,000,000.
No collateral or guarantor required.
Flexible repayment at only 4% of the total outstanding balance or THB 500 in minimum, whichever is higher or full repayment

24-hour Cash withdrawal accessibility from ATMs with ATM Pool and PLUS marks nationwide and worldwide with up to THB 100,000 daily limit with no cash withdrawal fee (for domestic cash withdrawal only). Interest will be charged only on the amount drawn.

Convenient and easy repayment only using barcode on the reverse side of Standby Cash Card, no pay-in slip needed. Payment can be made at the following pay service centers:

	Counter Service: Payment limit THB 30,000 / time or as specified by service providers
	Pay at Post: Payment limit THB 50,000 / time or as specified by service providers
	Just Pay (TOT): Payment limit THB 30,000 / time or as specified by service providers
	Pay Station (AIS / Telewiz) : Payment limit THB 50,000 / time or as specified by service providers

Qualification

Thai nationality
20 – 60 years old
Minimum monthly income: THB 15,000

Documents Required
Fixed-income Earners

Standby Cash application form, completely filled with consent for data verification

Certified true copy of ID Card

Certified true copy of house registration

Income source evidences

4.1	Original or certified true copy of most recent pay slip
4.2	If that mentioned in 4.1 is not available: employment letter indicating title, service years, and most recent bonus, along with certified true copy of statement of the bank account used for salary deposit of the past 3 months (if payroll account is not available)
4.3	For applicants who get salary in cash: certificate of tax withholding (bis 50), income tax receipt, and certified true copy of statement of the bank account of the past 3 months

In case of balance transfer:

5.1	Most recent, original statement of Credit Card / Revolving Card / Personal Loan Accounts
5.2	Certified true copy of first page of passbook of the account intended for balance transfer

Self-Employed / Business Proprietors

Standby cash application form, completely filled with consent for data verification

Certified true copy of ID Card

Certified true copy of house registration

Income source evidences

4.1	Certified true copy of company limited/partnership registration certificate (issued not over 1 year)
4.2	Certified true copy of bank statement of the past 6 months
4.3	Certified true copy of shareholder list and shareholding proportion (issued not over 6 months)

Application Process

1.	Complete the application form.
2.	Certify true copies of all documents.
3.	Submit the application form and all the documents to the third party sale agent with whom you are in contact, or the Personal Financial Consultant at all branches of Standard Chartered Bank (Thai) PLC, nationwide.

Fees

Click here to see in detail.

For more information, please call 0 2724 9000, Monday – Friday during office hours
from 8.30 am – 5.30 pm