Standard Chartered Smart Credit Card

Rewards & cashback

• 2% cashback flat on online spends
• 1% cashback on all other spends

More benefits & features

• Enjoy an Extended interest-free credit period for the first 90 days post-credit card issuance by paying only the minimum amount due
• Users will get a grace period of 90 days from the date of card issuance on paying just the minimum amount due

Fees & charges

Joining fee

₹499 + taxes waived as a Special Offer (Not applicable for existing SCB credit card holders)

Annual fee

Nil

Foreign currency markup

Up to 3.5%

Interest rate

3.75% per month (45% per annum)

Late payment

1% of the outstanding balance, with a minimum of ₹100 and a maximum of ₹500

Cash advance

2.5% of the amount withdrawn, with a minimum of ₹100

Fuel surcharge

1% fuel surcharge. No waiver

Billing cycle

30 Days

Other fees

Joining / First Year Fee of ₹499 + GST waived as a Special Offer (Not applicable for existing SCB credit card holders). | Cheque bouncing…

Pros and cons

Who can apply

• 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

How to apply

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
7. If approved, your card will be mailed within a week