For all Standard Chartered Credit Cards, the monthly interest rate is up to 3.49% pm, accounting to APR 41.88%. However, for Visa Infinite and Emirates World credit cards, the monthly interest rate is up to 3.10% pm (APR of 37.20%); and for all instant credit card variants, the monthly interest rate is 1.99% pm (APR of 23.88%). Cash transactions will have an interest rate up to 3.49% pm (APR of 41.88%)