Standard Chartered Smart Credit card - Features, Benefits, Fees & Charges

Standard Chartered Smart Credit Card (4.3)

Cashback Best For: Cashback
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Standard Chartered Smart is an entry-level credit card offered by Standard Chartered Bank in India. It is designed to offer cashbacks and EMI benefits to users on all the spending done across various categories online as well as offline.

Features and Benefits

Aspects that make spending using this card lit as the sun!

Welcome Bonus
Travel
Fuel
Rewards
Shopping
Cashback
Dining
Insurance
Interest
Lounge
Cashback Benefit
  • Flat 2% cashback up to ₹1,000 per month on all online transactions.

  • Flat 1% cashback up to ₹500 per month on all other spends. Note: Fuel transactions are not eligible for this cashback.

EMI Benefit
  • Ease of converting transactions above ₹2,000 into 3-month simple EMIs.

  • Nil processing fee for converting the transactions into EMIs.

Interest-Free Period
  • Interest-free credit period for the initial 90 days post-card issuance.

Note: To avail of the interest-free credit period, the minimum balance due should be paid.

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹ 499

Annual Fee

₹ 499

Annual Percentage Rate

45%

Add-on Card Fee

₹ 350

Minimum Repayment Amount

5%

Cash Withdrawal Fee

3%

Cash Advance Limit

NA

Card Replacement Fee

Nil

Foreign Transaction Fee

3.50%

Over Limit Penalty

2.50%

Fuel Transaction Surcharge

1%

Reward Point Value

NA
Late Payment Charges

balance below ₹100

₹ 0

balance from ₹101 to ₹500

₹ 100

balance from ₹501 to ₹5000

₹ 500

balance from ₹5001 to ₹10000

₹ 700

balance from ₹10001 to ₹25000

₹ 800

balance more than ₹25000

₹ 1200
Pros

Aspects that make this credit card amazing.

  1. The card offers cashbacks on all the spends.
  2. Users can avail of a complimentary credit card with similar benefits as a primary card.
  3. It offers an Interest-free credit period.
  4. It doesn’t charge any processing fee for EMI conversions.
  5. Users get an option to avail of a loan against a credit card.
  6. Choice of transferring card balance from other credit cards up to ₹ 5 lakhs.
Cons

Aspects this credit card lacks.

  1. Welcome Benefits are not offered.
  2. The card doesn’t offer any concierge services.
  3. It doesn’t provide access to airports or railway lounges.
  4. Monthly cashback benefits are capped very low.
  5. No fuel surcharge waiver. Users don’t get reward points on any transaction.
Standard Chartered Smart Rating & Reviews

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

Charges

(3)

Rewards

(3)

Customer Service

(3.5)

Standard Chartered Smart Credit Card Review

The Standard Chartered Smart Credit card is a customer-centric credit card that offers cashback on all the spends and meanwhile, also has the convenience of converting major transactions into EMIs by paying a minimum due amount. However, this card overlooks some other standard perks that users typically receive from other entry-level credit cards, such as access to airport lounges, concierge services, and entertainment perks.

Overview

Best for Daily Utilities & Essentials
Joining Fee ₹499 + Applicable Taxes
Annual Fee ₹499 + Applicable Taxes
Welcome Benefits NA
Card Network Visa

Note: Annual fee is reversed on spending ₹1,20,000 in the preceding year.

Who should get the Standard Chartered Smart Credit card?

The Standard Chartered Smart Credit card is an ideal choice for users who are looking for their first-ever credit card and want to utilize it on a day-to-day basis and earn cashback by making online and offline transactions and also want the option to convert their transactions into simple EMIs. As the card charges a nominal fee for all the benefits it offers, it is an ideal choice for users who want to avail of these benefits and don’t want to pay a hefty fee in exchange.

How to apply for a Standard Chartered Smart Credit card?

Standard Chartered Smart Credit cards can be applied through an online application process. To apply, follow the below-mentioned steps:

  • Visit the Standard Chartered Website

  • 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.

Standard Chartered Smart Credit Card Eligibility

Applicants must be at least 18 years of age and have a steady source of income to be eligible for a credit card.

Documents Required

  • Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
     
  • 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.

Standard Chartered Bank Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

Standard Chartered Bank

Standard Chartered Bank Credit Card Customer Care Number:

1800 425 1000/1800 345 5000

Standard Chartered Bank Card Offers:

View Offers
Standard Chartered Bank Credit Card News

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Standard Chartered Smart Customer Reviews

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Frequently Asked Questions

On cash transactions made using credit cards, the interest-free period cannot be used. For instance, there are fees associated with using your credit card to make an ATM cash withdrawal. These are in effect from the time that the cash withdrawal was made until the whole amount was repaid.

No, you do not earn any cashback on fuel spends or cash withdrawals made with the credit card

Cash withdrawals and the amount spent on fuel are not eligible for cashback on this credit card.

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