If you really want to live happily and pain free, then please avoid using Standard Chartered bank ever in life.
Just go by my words never ever think of having a credit card from standard chartered Bank even if they are claiming to give you cash backs. You will end up paying interests even when you are paying on time. You will have to pay to multiple accounts even though you have just one credit card.
If you pay to the primary card that you have, they will charge huge interest and you have no option other than paying interests because you won’t be able to call as there lines are always busy. And anyhow even if your call get connected you won’t be able to complete and resolve your query as they will hung up the call. So cutting short, do not even think of having a standard chartered credit card.