Standard Chartered Smart Credit Card
MyRupaya Ratings
उत्पाद विवरण
क्रेडिट कार्ड का नाम
Standard Chartered Smart Credit Card
Bank Name :
Standard Chartered Bank
प्रकार
Regular Credit Card
ब्याज दर
3.75% p.m. (45.00% p.a.)
पात्रता
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.
पेशेवरों
Reward System: Users will get 2% cashback flat on online spending. 1% cashback on all other spends.
Users will get a grace period of 90 days from the date of card issuance on paying just the minimum amount due.
दोष
No free movie tickets.
No free lounge visits.
No welcome benefits.
No milestone benefits.
पक्ष विपक्ष
Welcome Benefits
None.
पुरस्कार प्रणाली
2% cashback flat on online spends. 1% cashback on all other spends.
अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
Up to 3.5%
स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
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.
फ़ायदे
Cashback on online spends.
Low interest rate.
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
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.
सम्पर्क करने का विवरण
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
Pros:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
Cons:-
Reward System: Users will get 2% cashback flat on online spending. 1% cashback on all other spends.
Users will get a grace period of 90 days from the date of card issuance on paying just the minimum amount due.
No free movie tickets.
No free lounge visits.
No welcome benefits.
No milestone benefits.
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.
Standard Chartered Smart Credit Card
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
उत्पाद समीक्षा
फीस एवं प्रभार
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.
ईंधन अधिशुक्ल
1% fuel surcharge. No waiver.
Billing Cycle
30 Days