
Standard Chartered Smart Credit Card
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
None.
Cashback Rate
2% cashback flat on online spends.
1% cashback on all other spends.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
Users will get a grace period of 90 days from the date of card issuance on paying just the minimum amount due.
Lounge Access
None.
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
None.
Cashback Rate
2% cashback flat on online spends.
1% cashback on all other spends.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
Users will get a grace period of 90 days from the date of card issuance on paying just the minimum amount due.
Lounge Access
None.
Fees & Charges
Joining Fee
INR 499 + GST waived as a Special Offer (Not applicable for existing SCB credit card holders).
Annual Fee
Nil
Cash Advance Fee
Cash advance fee:2.5% of the amount withdrawn, with a minimum of ₹100.
Interest rate
3.75% per month (45% per annum)
Late Payment Fee
Late payment fee:1% of the outstanding balance, with a minimum of ₹100 and a maximum of ₹500.
Foreign Currency Transactions Fee
Foreign currency transaction fee:3.5% of the transaction amount.
Other Fees
Joining / First Year Fee of INR 499 + GST waived as a Special Offer (Not applicable for existing SCB credit card holders). | Cheque bouncing charges:₹500 per cheque. | Lost card replacement fee:₹250.
Fees & Charges
Joining Fee
INR 499 + GST waived as a Special Offer (Not applicable for existing SCB credit card holders).
Annual Fee
Nil
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
3.75% per month (45% per annum)
Late Payment Fee
Late payment fee:1% of the outstanding balance, with a minimum of ₹100 and a maximum of ₹500.
Foreign Currency Transactions Fee
Foreign currency transaction fee:3.5% of the transaction amount.
Other Fees
Joining / First Year Fee of INR 499 + GST waived as a Special Offer (Not applicable for existing SCB credit card holders). | Cheque bouncing charges:₹500 per cheque. | Lost card replacement fee:₹250.
Special Features
Enjoy an Extended interest-free credit period for the first 90 days post-credit card issuance by paying only the minimum amount due.
Eligibility Criteria
You must be between 18 and 65 years old.
You must have a stable monthly income.
You must have a current/permanent residential address in India.
You must be living in a city where a Standard Chartered Bank branch is located.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Visit Standard Chartered website or mobile app: Find the "Smart Credit Card" section and click "Apply Now."
Fill in basic information: Name, address, date of birth, contact details.
Provide financial details: Income, employment, PAN number.
Review and submit application: Carefully review all details before submitting.
Document verification: Standard Chartered may request document verification for income and address proof.
Approval and card issuance: You'll receive a notification about your application status within a few days. If approved, your card will be mailed within a week.
Contact Details
Account Opening and Procedure
The Standard Chartered Smart Credit Card is a good option for those who want a simple and affordable cashback card with no frills. It's a good choice for everyday spending, but it might not be the best option for those who travel frequently or who want to earn rewards that can be redeemed for travel or merchandise.
The Standard Chartered Smart Credit Card is a good option for those who want a simple and affordable cashback card with no frills. It's a good choice for everyday spending, but it might not be the best option for those who travel frequently or who want to earn rewards that can be redeemed for travel or merchandise.

Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai