Standard Chartered Smart Credit Card

Cashback benefits

1. You get 2% cashback when you use the card to make online purchases.
2. Earn 1% cashback on all your offline spends made with the Standard Chartered Smart Credit Card.
3. You earn a maximum of Rs.500 every month as cashback for offline spends you make with the Standard Chartered Smart Credit Card.

Spend-based benefits

1. The annual fee of Rs.499 will be reversed if you spend Rs.1.2 lakh in the previous year.

Interest-free period benefits

1. You get an extended interest-free period for the first 90 days with the Standard Chartered Smart Credit Card.
2. This is applicable only for retail purchases.
3. You have to pay the minimum amount due in every statement cycle in order to avail this benefit.

Smart Card Kuch-Bhi on-EMI (KBE) benefits

1. You get access to the Smart Card KBE offer which offers a tenure of 3 months at 0.99%.
2. You are not charged any processing fee on the Standard Chartered Smart Credit Card.
3. This is applicable only on transactions that are converted into EMIs via net banking or the bank mobile app.
4. The benefit cannot be availed for EMI conversions that have been made at the point of purchase using the Standard Chartered Smart Credit Card.

Cashback Redemption for Standard Chartered Smart Credit Card

These are the key points to keep in mind while redeeming the cashback you earn on the Standard Chartered Smart Credit Card.

1. In order to raise your first cashback redemption request, you should have earned a cashback of Rs.1,000 in your account.
2. After your first redemption, subsequent redemptions of cashback that you earn on the Standard Chartered Smart Credit Card can be made in multiples of 500.

Eligibility Criteria for the Standard Chartered Smart Credit Card

The following are the eligibility criteria required for this card:

1. Age a primary cardholder, you should be between years 18 and 65 years.
2. The add-on cardholder should be at least 18 years old.
3. You must have a stable monthly income to be eligible for the credit card.
4. You must belong to the credit card sourcing cities or locations of Standard Chartered Bank.

Please note that the bank may have additional checks and policies in place other than the ones mentioned above.

Documents Required to Apply for the Standard Chartered Smart Credit Card

These are the documents you will have to submit when you apply for the credit card:

1. ID Proof (any one):PassportPAN cardVoter IDGovernment ID
   1. Passport
   2. PAN card
   3. Voter ID
   4. Government ID
2. Address Proof (any one):Aadhaar cardPassportDriving licenceElection cardVoter's IDJob card (NREGA-issued and signed by an officer of the State Government)A letter by the National Population Register
   1. Aadhaar card
   2. Passport
   3. Driving licence
   4. Election card
   5. Voter's ID
   6. Job card (NREGA-issued and signed by an officer of the State Government)
   7. A letter by the National Population Register
3. Income Proof:Salaried:
   1. Salaried:
      1. Salary slip of the last one month
   2. Self-employed business persons:
      1. Latest IT returns with computation
      2. Certified financials
      3. Last business continuity proof
   3. Self-employed professionals:
      1. Latest IT returns
      2. Business continuity proof
4. Salary slip of the last one month
5. Latest IT returns with computation
6. Certified financials
7. Last business continuity proof
8. Latest IT returns
9. Business continuity proof

Fees and Charges Standard Chartered Smart Credit Card

The following table summarises the fees and charges of the Standard Chartered Smart Credit Card:

How to Apply for the Standard Chartered Smart Credit Card

Follow these steps to apply for the credit card if you already have an existing relationship with the bank:

Step 1: Visit the website, https://www.sc.com/in/credit-cards/smart-credit-card/

Step 2: Click on 'Apply Now'

Step 3: You will be redirected to another page. Here, you can look through the fees and features of the card once again. Now, click 'Yes' if you have an existing relationship with the bank.

Step 4: Select 'Next', and click 'Yes' if you have a Standard Chartered Credit Card.

Step 5: After you click on 'Next', a pop up will appear. Fill in the details and click on 'Proceed to Authenticate' and follow the instructions on the screen.

Step 6: If you do not have a credit card with the bank, select 'No' and then click on 'Next'.

Step 7: Click on 'Yes', if you have a debit card with the bank. A pop up will appear and you should fill in your mobile number, name, email. Pin code, and date of birth. Click on 'Proceed' and follow the instructions on the page.

Step 8: If you do not have a debit card with the bank, click on 'No'. On the pop up, enter your full name, email ID and mobile number. Click on 'Next' and follow the instructions.

Follow these steps to apply for the credit card if you do not have an existing relationship with the bank:

Step 1: Visit the website, https://www.sc.com/in/credit-cards/smart-credit-card/

Step 2: Click on 'Apply Now'

Step 3: You will be redirected to another page. Here, you can look through the fees and features of the card once again. Now, choose a card and click 'No' if you do not have an existing relationship with the bank.

Step 4: On the pop up, enter your name, email ID and mobile number and click on 'Next'. Follow the instructions on the page to apply for the credit card.

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