Standard Chartered Smart Credit Card Apply Online – Offers, Fees

Apply online for standard chartered smart credit card & get various offers on different shopping portals. Check Fees & charges for the credit card.

Offer – Apply for a new Eligible Standard Chartered Bank Credit Card during the Offer Period and use the credit card to buy goods or services for a minimum amount of Rs. 1000/- (Rupees One Thousand only) within 30 days of credit card issuance.

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Standard Chartered Smart Credit Card Eligibility

  • Minimum income of Rs 50,000 per month

Smart Credit Card – Product Feature

  • 2% cashback for online spend (max of Rs.1,000/month)
  • 1% cashback for offline spend (max of Rs. 500/month)
  • No cashback earn on Fuel purchases
  • Extended Interest- Free Credit Period for 1st 90-Days (retail transactions only) with timely servicing of Min Amount Due (MAD)
  • Exclusive Smart Card KBE offer (3-month tenor @ 0.99% & NIL Processing Fee)

Smart Credit Card – Joining Fees & Annual Fees

Joining Fee – NIL

  • Annual Fee (2nd year onwards) – INR499, reversed with retail spend of INR 120K per year

Benefits of Smart Credit Card

  • 2% CB on all online spends (Max. CB of INR 1000/ calendar month)
  • 1% on all other (offline) spends (Max. CB of INR 500/ calendar month)
  • 90 days Interest – Free credit period on retail balance
  • 0.99% interest charges on EMI txns for 3 months with NIL processing fee; CB available on EMI txns as per  CVP
  • 1 INR CB = 1 INR (adjusted for statement balance)
  • Domestic lounge access not available
  • Fuel surcharge waiver not available
  • No Expiry on Cashback points

Savings from Standard Chartered Smart Credit Card

In the table given below, you can explore the savings you can make from this credit card.

Online Transactions 2% Cashback Offline Transactions 1% Cashback
Bill Payments – INR 10000 INR 200 Electrical Appliances – INR 20000 INR 200
Online Groceries – INR 15000 INR 300 Dining – INR 10000 INR 100
Food Ordering – INR 8000 INR 160 Movies and Entertainment – 5000 INR 50
Online Shopping – 7000 INR 140 Offline Shopping – INR 10000 INR 100
Hotels and Flight Bookings – INR 10000 INR 200 Other Expenditures – 5000 INR 50
Total Savings INR 1000 Total Savings INR 500

You can save up to INR 1500 per month from this credit card and it means that you can save INR 18000 annually.

Standard Chartered Bank Smart Credit Card Fee, Charges, Documents, and Eligibility

Now you must explore the fees of the SC Smart Credit Card and the documents you will need to apply for it. On the other hand, you will have to fulfill certain eligibility criteria before you apply for this credit card.

Fees and Charges

Particular Details
Joining Fee Rs.499 + Taxes (Free for Deal4loans Customers)
Renewal Fee Rs. 499 + Taxes
Interest-Free Period 90 Days
Spend INR 1.2 Lacs in a Year Renewal Fee – NIL
Interest Rate 3.75%
Minimum Transaction for EMI Conversion INR 2000
Interest Rate on EMI Transactions 0.99% per month
Processing Fee on EMI Transactions NIL
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