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Standard Chartered Smart Credit Card

Product Details
Credit Card Name : 

Standard Chartered Smart Credit Card

Bank Name :

Standard Chartered Bank

Type :

Regular Credit Card

Interest Rate : 

3.75% p.m. (45.00% p.a.)

Eligibility :

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.

Standard Chartered Smart Credit Card
Pros
  • Welcome Benefit: None.

  • Reward System: 2% cashback flat on online spends. 1% cashback on all other spends.

  • Get a grace period of 90 days from the date of card issuance on paying just the minimum amount due. This can help manage cash flow.

Cons
  • No free movie tickets.

  • No free lounge visits.

  • No welcome benefits.

  • No milestone benefits.

Pros & Cons
Welcome Benefits

None. 

Rewards System

Reward System: 2% cashback flat on online spends. 1% cashback on all other spends.

International Forex Markup

Up to 3.5%

Welcome Benefits and Reward System
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.

Benefits
  • Cashback on online spends.

  • Low interest rate. 


Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  1. Visit Standard Chartered website or mobile app: Find the "Smart Credit Card" section and click "Apply Now."

  2. Fill in basic information: Name, address, date of birth, contact details.

  3. Provide financial details: Income, employment, PAN number.

  4. Review and submit application: Carefully review all details before submitting.

  5. Document verification: Standard Chartered may request document verification for income and address proof.

  6. 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.

Account Opening and Procedure
Standard Chartered Smart Credit Card

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

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

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Fees & Charges
  • Joining / First Year Fee of INR 499 + GST waived as a Special Offer (Not applicable for existing SCB credit card holders).

  • Cash advance fee: 2.5% of the amount withdrawn, with a minimum of ₹100.

  • Late payment fee: 1% of the outstanding balance, with a minimum of ₹100 and a maximum of ₹500.

  • Foreign currency transaction fee: 3.5% of the transaction amount.

  • Cheque bouncing charges: ₹500 per cheque.

  • Lost card replacement fee: ₹250.

Fuel Surcharge

1% fuel surcharge. No waiver. 

Billing Cycle

30 Days

Fees & Charges
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