Standard Chartered Smart Credit Card
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
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
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:
Who Should Opt for This Card?
Frequent Travelers
Perfect for those who travel frequently and need travel benefits
How to Apply
Visit the [Standard Chartered Website](https://www.sc.com/in/).
Under the “Card” section, “Smart Credit card” will be listed.
Click on “Apply Now” and start the application process.
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
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.
Quick Stats
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