Standard Chartered Smart Credit Card
Standard Chartered Bank Standard Chartered Bank

Standard Chartered Smart Credit Card

cat name Cashback
cat name Reward Points

Best Suited For: Cashback

Joining Fee: ₹499 Plus Applicable Taxes

Renewal Fee: ₹499 Plus Applicable Taxes

cat name Cashback
cat name Reward Points

Best Suited For: Cashback

Joining Fee: ₹499 Plus Applicable Taxes

Renewal Fee: ₹499 Plus Applicable Taxes

Best Feature:- 2% cashback on online spends

credit score

The Standard Chartered Smart Credit Card is an excellent choice for those who love earning cashback on everyday spending. With a nominal joining and annual fee of ₹499, this card offers exceptional value for both online and offline purchases. Earn 2% cashback on all online transactions and 1% cashback on all other spends, ensuring you get rewarded every time you swipe your card. The cashback can be easily redeemed across multiple brands and services, giving you flexibility in how you use your rewards.

The card also offers practical benefits like the option to convert large purchases into easy EMIs and an extended interest-free credit period of up to 90 days, helping you manage your expenses more effectively. The Standard Chartered Smart Credit Card ensures your cashback while shopping online, dining out, or making everyday purchases.

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All You Need To Know

Card Type

Cashback

Cashback Rewards
  • 2% Cashback:
    • On all online purchases (maximum cashback of ₹1,000 per month).
  • 1% Cashback:
    • On offline spends, with a cap of ₹500 per month.
  • Exclusions:
    • Cashback is not applicable on fuel purchases or cash withdrawals.
Interest-Free Credit Period
  • Extended Interest-Free Period:
    • Enjoy an extended interest-free period for the first 90 days after the card issuance for retail purchases.
    • To avail, ensure payment of the minimum amount due in each statement cycle.
EMI Conversion Benefits
  • 3-Month EMI Plan:
    • Convert purchases above ₹2,000 into EMIs with a special interest rate of 0.99% per month.
    • Zero Processing Fee on EMI conversion through net banking or mobile app.
  • Exclusions:
    • EMI conversion at the point of purchase is not eligible for this offer.
Annual Fee Reversal
  • The annual fee of ₹499 will be reversed if you spend ₹1.2 lakh or more in the previous year.
Additional Benefits
  • Supplementary Cards:
    • You can get add-on cards for your family to enjoy the benefits of this card.
  • Contactless Payments:
    • Make secure and quick payments with contactless technology for faster checkouts.
  • Enhanced Security:
    • Transactions are secured with 3D secure OTP verification for added online security.
  • Cashback Redemption:
    • Redeem cashback earned on the 360 Rewards Catalog for various rewards like vouchers or products.
  • Loan Against Credit Card:
    • You can avail a loan up to ₹5 Lakh with a flexible repayment tenure ranging from 12 to 60 months.

Standard Chartered Smart Credit Card Eligibility:

Criteria Details
Age 18 to 65 years
Occupation Available to both Salaried and Self-employed
Minimum Income Required  To be communicated at the time of application
Documents Required Click here  for the list of acceptable documents

Standard Chartered Smart Credit Card: Fees & Charges

Fee Type Amount/ Rate
Joining  Fee Rs. 499
Annual Fee Rs. 499
Finance Charges 3.75% p.m. (45% p.a.)
Late Payment Charges*

For Statement Balance:

  • Up to Rs. 100 – Nil
  • Rs. 101 to Rs. 500 – Rs. 100
  • Rs. 501 to Rs. 5,000 – Rs. 500
  • Rs. 5,001 to Rs. 15,000 – Rs. 700
  • Rs. 15,001 to Rs. 25,000 – Rs. 800
  • Above Rs. 25,000 – Rs. 1,200

Apply for Standard Smart Credit Card

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FAQs

  • Online Transactions: 2% cashback (maximum ₹1,000/month).
  • Offline Transactions: 1% cashback (maximum ₹500/month).
  • Total monthly cashback cap: ₹1,500.

Yes, cashback is not applicable on:

  • Fuel transactions.
  • Cash withdrawals.
  • Return or exchange transactions.

The cashback points earned on the Standard Chartered Smart Credit Card never expire.

You can redeem cashback via the 360 Rewards Portal:

  • Log in to R360.
  • Select the Smart Credit Card (if multiple SCB cards exist).
  • Redeem points, which will be reflected in your credit card account within three working days.

No, there is no redemption fee for cashback earned via the Standard Chartered Smart Credit Card.

An interest-free credit period of up to 90 days is applicable on retail transactions, excluding cash withdrawals, EMI, loans, and balance transfers.

Each cashback point is valued at ₹1, making it simple for redemption.

You can use the following methods to convert your transactions into EMIs:

  • Phone Banking: Call 080 39401166 / 66011166.
  • SMS: Send "KBE" to +91-9223010121.
  • Online/Mobile Banking: Log in and request EMI conversion for eligible purchases.

  • Online Spends: ₹1,000/month.
  • Offline Spends: ₹500/month.
    • Total monthly cashback: ₹1,500 consolidated across all cardholders on the account.

Apply for Standard Chartered Smart Credit Card with MybankingTips

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