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.
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 |
