About Standard Chartered Smart Credit Card
Standard Chartered Smart Credit Card is an entry-level cashback credit card that rewards you on almost all your spends, both online and offline, regardless of the brand or platform. It covers a wide range of everyday expenses, including utility bills such as water, gas, telecom, and electricity. The only major exclusion is fuel, where cashback is not offered.
However, this card comes with a joining and annual fee and does not provide any welcome or renewal benefits to offset the cost. It also lacks milestone rewards and fuel surcharge waiver, making it a simple cashback-focused card without additional features.
Other Features and Benefits
Cashback & Benefits
- Online Transactions: 2% cashback on online spends (up to Rs. 1,000 per month)
- Other Transactions: 1% cashback on offline spends (up to Rs. 500 per month)
- Extended Interest-free Period: Enjoy up to 90 days interest-free credit from the date of card issuance
- Low-interest EMI Facility: Convert purchases above Rs. 2,000 into EMIs at 0.99% per month with zero processing fee
How to Redeem Cashback
- Log in to your Standard Chartered Online Banking and go to 360° Rewards, or login directly at the 360° Rewards portal.
- Select your Smart Credit Card from the drop-down menu if you have multiple Standard Chartered cards.
- Once redeemed, the cashback will be credited to your credit card account within 3 working days.
Fees and Charges
| Fee Type | Amount |
|---|
| Joining Fee | Rs. 499 + Taxes |
| Annual Fee | Rs. 499 + Taxes |
| Finance Charges | 3.75% p.m. | 45% p.a. |
| Late Payment Charges | | 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. 10,000 | Rs. 700 | | Above Rs. 10,000 | Rs. 1,200 |
|
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Document Required For Standard Chartered Smart Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
Standard Chartered Smart Credit Card Highlights
What do we like about this card?
- 2% cashback on online transactions (up to Rs. 1,000 per month)
- 1% cashback on offline transactions (up to Rs. 500 per month)
- Extended interest-free credit period of 90 days on retail spends
- Low-interest EMI facility: convert purchases above Rs. 2,000 into EMIs at 0.99% per month with zero processing fee
- Cashback redemption via the 360° Rewards portal, credited within 3 working days
- Inclusion of utility bills (Gas, Electricity, Water, Telecom) in cashback program
Things to Know Before you apply
Get this card if:
- You mainly shop online and want cashback without being tied to any specific brand.
- You want rewards on utility bills, gas, electricity, and other everyday spends.
- You prefer a card with a low annual fee.
Pros
- 2% cashback on online transactions
- Cashback earned on all brands, no restrictions
- Low annual fee
- Utility bills (gas, electricity, water, telecom) included in cashback
Cons
- No travel-related benefits
- Low monthly cap on cashback earnings
- Cashback redemption process is not very simple
Standard Chartered Bank Credit Card Contact Details
- Contact Address: Standard Chartered Bank, Crescenzo Building, C-38/39, G Block, Bandra Kurla Complex, Bandra (East), Mumbai – 400051, Maharashtra, India
- Helpline: 6601 4444 / 3940 4444 (prefix STD code) 1800 345 1000 (Toll-Free)
- Simply SMS: SMS CARD to 9980033333 for card details or application
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Frequently Asked Questions
A. The card charges a joining and annual fee of Rs. 499 plus applicable taxes. The fee can be waived by spending Rs. 1.2 lakh or more in a year.
A. Cashback is not earned on fuel transactions, cash withdrawals, or returns/exchange transactions.
A. No, there is no minimum transaction value or spend requirement to earn cashback.
A. No, the 90-day interest-free period is only applicable on retail purchases. Cash withdrawals, loans against credit cards, EMI conversions, and balance transfers are charged separately.
A. No, redeeming the cashback earned via this card does not incur any fees.
A. No, this card does not provide domestic or international lounge access.
