Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Standard Chartered Smart Credit Card

  • We found 1 Standard Chartered Smart Credit Card
    Card
    1st Year Fee
    Rewards
    Joining Perks
    PA PL OTP
    499
    What you'll love
    You'll also love
    Think about
    Fee Details

    The Standard Chartered Smart Credit Card comes at a joining fee of Rs.499. With the credit card, you earn cashback every time you swipe the card. These cashback points can be redeemed online.

    Features and Benefits of the Standard Chartered Smart Credit Card

    These are the main features and benefits of the Standard Chartered Smart Credit Card:

    Welcome benefits

    • You get an Amazon Pay voucher of Rs.500 when you activate the Standard Chartered Smart Credit Card.

    Cashback benefits

    • You get 2% cashback when you use the card to make online purchases.
    • Earn 1% cashback on all your offline spends made with the Standard Chartered Smart Credit Card.
    • You earn a maximum of Rs.500 every month as cashback for offline spends you make with the Standard Chartered Smart Credit Card.

    Spend-based benefits

    • The annual fee of Rs.499 will be reversed if you spend Rs.1.2 lakh in the previous year.

    Interest-free period benefits

    • You get an extended interest-free period for the first 90 days with the Standard Chartered Smart Credit Card.
    • This is applicable only for retail purchases.
    • You have to pay the minimum amount due in every statement cycle in order to avail this benefit.
    Statement cycle Retail transaction amount Interest saved
    First statement Rs.1 lakh Rs.3,750
    Second statement Rs.0 Rs.3,750
    Third statement Rs.0 Rs.3,750
    Total Rs.1 lakh Rs.11,250

    Smart Card Kuch-Bhi on-EMI (KBE) benefits

    • You get access to the Smart Card KBE offer which offers a tenure of 3 months at 0.99%.
    • You are not charged any processing fee on the Standard Chartered Smart Credit Card.
    • This is applicable only on transactions that are converted into EMIs via net banking or the bank mobile app.
    • The benefit cannot be availed for EMI conversions that have been made at the point of purchase using the Standard Chartered Smart Credit Card.

    Cashback Redemption for Standard Chartered Smart Credit Card

    These are the key points to keep in mind while redeeming the cashback you earn on the Standard Chartered Smart Credit Card.

    • In order to raise your first cashback redemption request, you should have earned a cashback of Rs.1,000 in your account.
    • After your first redemption, subsequent redemptions of cashback that you earn on the Standard Chartered Smart Credit Card can be made in multiples of 500.

    Eligibility Criteria for the Standard Chartered Smart Credit Card

    The following are the eligibility criteria required for this card:

    • Age a primary cardholder, you should be between years 18 and 65 years.
    • The add-on cardholder should be at least 18 years old.
    • You must have a stable monthly income to be eligible for the credit card.
    • You must belong to the credit card sourcing cities or locations of Standard Chartered Bank.

    Please note that the bank may have additional checks and policies in place other than the ones mentioned above.

    Documents Required to Apply for the Standard Chartered Smart Credit Card

    These are the documents you will have to submit when you apply for the credit card:

    • ID Proof (any one):
      1. Passport
      2. PAN card
      3. Voter ID
      4. Government ID
    • Address Proof (any one):
      1. Aadhaar card
      2. Passport
      3. Driving licence
      4. Election card
      5. Voter’s ID
      6. Job card (NREGA-issued and signed by an officer of the State Government)
      7. A letter by the National Population Register
    • Income Proof:
      1. Salaried:
        • Salary slip of the last one month
      2. Self-employed business persons:
        • Latest IT returns with computation
        • Certified financials
        • Last business continuity proof
      3. Self-employed professionals:
        • Latest IT returns
        • Business continuity proof

    Fees and Charges Standard Chartered Smart Credit Card

    The following table summarises the fees and charges of the Standard Chartered Smart Credit Card:

    Particulars Fee
    Joining fee Rs.499
    Annual fee (second year onwards) Rs.499
    Finance charges 3.75% per month (45% annualised)
    Minimum Amount Due (MAD) Whichever of the following is higher:
    • 5% of the total amount due
    • All installments+ interest fee+ other charges
    • Rs.250
    Late payment fee
    Outstanding amount Late payment fee
    Less than or equal to Rs.100 NIL
    Rs.101 to Rs.500 Rs.100
    Rs.501 to Rs.5,000 Rs.500
    Rs.5,001 to Rs.10,000 Rs.700
    Rs.10,001 to Rs.25,000 Rs.800
    More than Rs.25,000 Rs.1,200
    Cheque bounce fee Rs.500
    Overlimit charges
    • Rs.500 per instance
    • 2.5% of the overlimit amount subject to a minimum of Rs.500
    Card replacement fee NIL
    Rewards handling fee Rs.99
    Cash advance fee 3% subject to a minimum of Rs.300
    Overseas transaction fee 3.5%
    Cheque/cash pick up fee Rs.100
    Cash repayment fee Rs.299
    Paper statement fee Rs.99

    How to Apply for the Standard Chartered Smart Credit Card

    Follow these steps to apply for the credit card if you already have an existing relationship with the bank:

    • Step 1: Visit the website, https://www.sc.com/in/credit-cards/smart-credit-card/
    • Step 2: Click on ‘Apply Now’
    • Step 3: You will be redirected to another page. Here, you can look through the fees and features of the card once again. Now, click ‘Yes’ if you have an existing relationship with the bank.
    • Step 4: Select ‘Next’, and click ‘Yes’ if you have a Standard Chartered Credit Card.
    • Step 5: After you click on ‘Next', a pop up will appear. Fill in the details and click on ‘Proceed to Authenticate’ and follow the instructions on the screen.
    • Step 6: If you do not have a credit card with the bank, select 'No’ and then click on ‘Next’.
    • Step 7: Click on ‘Yes’, if you have a debit card with the bank. A pop up will appear and you should fill in your mobile number, name, email. Pin code, and date of birth. Click on 'Proceed’ and follow the instructions on the page.
    • Step 8: If you do not have a debit card with the bank, click on ‘No’. On the pop up, enter your full name, email ID and mobile number. Click on ‘Next’ and follow the instructions.

    Follow these steps to apply for the credit card if you do not have an existing relationship with the bank:

    • Step 1: Visit the website, https://www.sc.com/in/credit-cards/smart-credit-card/
    • Step 2: Click on ‘Apply Now’
    • Step 3: You will be redirected to another page. Here, you can look through the fees and features of the card once again. Now, choose a card and click ‘No’ if you do not have an existing relationship with the bank.
    • Step 4: On the pop up, enter your name, email ID and mobile number and click on ‘Next’. Follow the instructions on the page to apply for the credit card.

    FAQs on Standard Chartered Smart Credit Card

    1. Do I earn cashback on fuel spends made with the Standard Chartered Smart Credit Card?

      No, you do not earn any cashback on fuel spends or cash withdrawals made with the credit card.

    2. What is the value of the cashback that I earn on the Standard Chartered Smart Credit Card?

      Please note that 1 Cashback point is equal to Re.1.

    3. Is there any fuel surcharge waiver with the Standard Chartered Smart Credit Card?

      No, there is no fuel surcharge waiver with the credit card.

    4. For how many months are my cashback points valid?

      With the Standard Chartered Smart Credit Card, your cashback points never expire.

    5. How much cashback can I earn in one month?

      You can earn a maximum of Rs.1,000 every month as cashback for online spends.

      

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.