Standard Chartered Smart Credit Card Review

The Smart Credit Card provided by the Standard Chartered Bank, offers many exclusive benefits for those who are specially looking for cashback. To know more about it, keep reading!

Features and Benefits

Cashback on all your online spendsEnjoy 2% cashback on  all your Online spends, up to a maximum of Rs 1000 per month.
Cashback for diverse transactionsGet 1% cashback on your other spends, up to a maximum of Rs 500 per month. The benefit is not valid for fuel spends.
Extended Interest-free Credit PeriodEnjoy an extended interest free credit period for the first 90 days post credit card issuance by paying only the minimum amount due.
Special Interest rate for EMI plansConvert your transactions into EMIs at a interest rate of 0.99% per month at Nil processing fees. 

Fees and Taxes

The charges for this card are:

Joining/First year annual feeINR  499 + GST waived as a Special Offer (Not applicable for existing SCB credit card holders).
Renewal fee from second yearINR 499 + GST
Late Payment ChargesFor Statement Balance:Up to Rs. 100 – NilRs. 101 to Rs. 500 – Rs. 100Rs. 501 to Rs. 5,000 – Rs. 500Rs. 5,001 to Rs. 15,000 – Rs. 700Rs. 15,001 to Rs. 25,000 – Rs. 800Above Rs. 25,000 – Rs. 1,200
Finance Charges3.75% per month| 45% per annum

Eligibility Criteria

To apply for this card, consider these criteria:

  • Age: 18 to 65 years.

The required documents are:

  • Proof of Identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID,

     Overseas Citizen of India Card, Person of Indian Origin Card, Job card

issued by NREGA, Letters issued by the UIDAI,

  • Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account,
  • Proof of Income: The latest one salary slip, Latest Form 16, Last 3 months’ bank statement.

Click here to apply!