4.3 Rating • Standard Chartered Bank

Standard Chartered Smart Credit Card

Travel Category Reward Points
Reward Rate
Up to 3%
Annual Fee
₹499
Travel General
Processing: 7-10 days
100% Secure
Standard Chartered BANK
Standard Chartered
VISA
•••• •••• •••• 1234
VALID THRU
12/28
CARDHOLDER
YOUR NAME

Card Summary

If you are new to credit cards, consider the Standard Chartered Smart Credit Card as a great option! For a nominal joining and annual fee of ₹499, this card allows you to earn 2% cashback on all your online spending and 1% cashback on all other spends. In addition, you can enjoy an extended interest-free period of 90 days and other benefits. Keep reading to find out if this card is worth applying for!

Quick Overview

Bestfor Daily Utilities & Essentials
Joiningfee ₹499 \+ Applicable Taxes
Annualfee ₹499 \+ Applicable Taxes
Welcomebenefits NA
Cardnetwork Visa

Expert Review

Key Features

Standard Chartered Smart Credit card offers cashback on all your spending; however, caps it at a maximum of ₹1,000 for online spending and ₹500 for other spending. Thereby, the maximum you can save per year is 12,000 for online and 6,000 for other expenses. In all, you can save up to ₹18,000 per yea...

Key Highlights

Reward Rate

Up to 3%

Annual Fee

₹499

Rating

4.3/5

Category

Travel

Fuel Benefits

1% Fuel Surcharge Waiver

Available at all fuel stations across India

• Min transaction: ₹400 • Max transaction: ₹5,000 • Max waiver: ₹500 per statement cycle

Zero Lost Card Liability

Complete Protection Against Fraud

In the unfortunate event of losing your card, report it immediately to our 24-hour call centre and you have zero liability on any fraudulent transactions made on your Credit Card.

Advantages

The card offers cashbacks on all the spends.

Users can avail of a complimentary credit card with similar benefits as a primary card.

It doesn’t charge any processing fee for EMI conversions.

Users get an option to avail of a loan against a credit card.

Limitations

Welcome Benefits are not offered.

The card doesn’t offer any concierge services.

It doesn’t provide access to airports or railway lounges.

Monthly cashback benefits are capped very low.

No cashback on fuel transactions.

Fee and Charges

Joining Fee

₹499

Annual Fee

₹499

APR

45%

Charge Type Amount
Add-on Card Fee ₹350
Cash Withdrawal Fee 3%
Card Replacement Fee Nil
Foreign Transaction Fee 3.50%
Over Limit Penalty 2.50%
Fuel Transaction Surcharge 1%
Minimum Repayment Amount 5%

Late Payment Charges

Outstanding Balance Late Fee
Below ₹100 ₹0
₹100 to ₹500 ₹100
₹501 to ₹5,000 ₹500
₹5,001 to ₹10,000 ₹700
₹10,001 to ₹25,000 ₹800
More than ₹50,000 ₹1200

Reward Points Structure

Rewards Category Rate Eligibility
Special Categories Up to 3% Based on card category and benefits
General Spends 1X All other purchases and transactions

Partner Merchants:

Online Merchants
Fuel Stations
Restaurants
Airlines

Who Should Opt for This Card?

Frequent Travelers

Perfect for those who travel frequently and need travel benefits

How to Apply

1

Visit the [Standard Chartered Website](https://www.sc.com/in/).

2

Under the “Card” section, “Smart Credit card” will be listed.

3

Click on “Apply Now” and start the application process.

4

Fill in all the required details and upload all the necessary documents to complete the process.

Processing Time

7-10 days

Eligibility Criteria

Age: 21-60 years

Residency: Indian resident

Income: Stable income required

Documents Required

Proof of Identity

PAN Card, Aadhaar Card, Passport, Driver's License

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 Statement, or any other government-approved address proof. *

Proof of Income

Latest one or two salary slips (not more than 3 months old), Latest Form 16, and the Last 3 months’ bank statement. 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>

Expert Review

Charges
4/5
Rewards
4/5
Customer Service
4/5

Detailed Analysis

The Standard Chartered Smart Credit Card stands out as a solid choice for those seeking a credit card with excellent rewards and benefits. With Up to 3% rewards on eligible spends, it makes a compelling option for travel enthusiasts.

The card's comprehensive insurance coverage and lounge access benefits offer added value and convenience for cardholders.

While the card offers numerous advantages, it is essential to consider the annual fee of ₹499 and other associated charges. These factors should be weighed against the benefits offered.

Overall, the Standard Chartered Smart Credit Card is a good option for those who want a travel credit card with excellent rewards and premium benefits. If you are looking for a card that offers good value for money, this is worth considering.

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Quick Stats

Bank Standard Chartered
Category Travel
Rating 4.3
Reward Type Reward Points

Best Suited For

Travel
General

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