I have been holding a stan chart Master Card for the last 3 years. I had a little bit problems regarding late payment and fine. Mainly when I do the payment through NEFT on the bill date, the bank says the payment is late and lays a fine, but when I call up the customer care and explain with proof regarding the date, they immediately reverse the same.
They charge a late payment fee of Rs. 750/-. But other than that so far I have not faced any problems related with the card. The customer care is also quite helpful. The card gives so much discounts on purchases. Also EMI option is available. They also give card based loans without any documents, which is hassle free.Many persons whom I know have faced difficulties regarding the payment, but in my case I have not faced much problems.