Standard Chartered Smart Credit Card: Features & Benefits

Table of Contents

Summary

The Standard Chartered Smart Credit Card is a loaded credit card for individuals who want a convenient and rewarding spending experience. It rewards the customer with 2% cashback on online transactions and 1% cashback on offline transactions, making it ideal for regular shoppers. The cashback comes in the form of reward points, which can be used later. Cardholders also have a fuel surcharge waiver of 1%, cutting down on fuel charges.

The annual fee and joining is ₹499, although this can be exempt if you spend a minimum of ₹1,20,000 in a year. The Credit card also offers the facility of No-cost EMI options, where customers can transform expensive buys into simple monthly installments. Additionally, the finance charges are 3.75% per month (45% per annum), and the foreign currency markup fee is 3.5% on foreign transactions.

The applicants must be between the ages of 18 and 65, pay least ₹30,000 per month (for salaried clients) or ₹3,60,000 yearly (for self-employed clients), and CIBIL of 700 and above. With little documentation—identity proof, residence proof, income evidence—the application is simple.

Introduction

Standard Chartered Smart Credit Card is an effortless and rewarding option for you who are eager to save on spending. Designed by Standard Chartered Bank, the card provides you with a method to maintain low daily spending with its cashback features. With both online as well as offline transactions, this card provides a chance to get something back from almost every transaction. It’s especially wonderful for newbies or those who do not want to have anything to do with intricate credit card laws.

The best feature of the Standard Chartered Smart Credit Card is its cashback facility. You get 2% cashback on all online shopping, whether it is paying bills, buying tickets, or making purchases, up to Rs. 1,000 monthly. On offline spending, like having a meal out or buying groceries, you get 1% cashback, subject to a cap of Rs. 500 per month. So, in effect, you can earn up to Rs. 1,500 a month—or Rs. 18,000 a year—just by using the card for your everyday expenses.

Another significant benefit is its interest-free period when you are first issued the card. For the initial 90 days, you don’t have to pay any interest on your purchases, if you pay the minimum every month. This gives you some extra time to manage your finances without having to pay extra.

The card also keeps things simple with charges. The joining fee is Rs. 499 (taxes included) but is normally waived for new accounts as a promotion. The first-year renewal charge is also Rs. 499, but you can have it waived if you’ve spent Rs. 1,20,000 or more last year. This spend waiver is a nice advantage for heavy users.

What is the Standard Chartered Smart Credit Card?

The Standard Chartered Smart Credit Card is straightforward and handy and is provided by Standard Chartered Bank. It’s designed for individuals who are looking for an uncomplicated method of saving money when they shop. Using this card, you earn cashback on nearly everything you purchase—whether it’s shopping online, paying bills, or spending at restaurants and shops.

What makes this card unique is that it provides cashback without complex rules. You earn 2% cashback on shopping online, such as clothes or food bought from websites, up to Rs. 1,000 per month. On spending offline, such as dining out or shopping in a store, you receive 1% cashback, up to Rs. 500 per month.

How is the design of the Standard Chartered Smart Credit Card?

The Standard Chartered Smart Credit Card is made to look very sleek and modern. Generally, it features a simple look with a luxurious matte finish that makes it look very chic. On the card, there is the Standard Chartered logo at the top while the name and details of the cardholder are printed there.

It also features a built-in chip for security as well as the contactless payments. The whole design makes it look classy and professional, suitable for those with a preference towards a smart-looking and elegant one in their pocket.

What are the benefits of the Standard Chartered Smart Credit Card?

Here are the key benefits of real reward points:

2% Cashback on Online Spends – You get 2% cashback (in the form of reward points) when you shop online.

Example: When you spend ₹5,000 online, you get 100 reward points (valued at ₹100).

1% Cashback on Offline Spends – You get 1% cashback on all other shopping in stores.

Example: When you spend ₹10,000 in a store, you get 100 reward points (valued at ₹100).

Fuel Surcharge Waiver – You have waived a 1% fuel surcharge on payments between ₹400 and ₹3,000 made at fuel stations in India.

No Cost EMI Offers – You can simply convert big purchases into easy EMIs without another interest charge.

Annual Fee Waiver – When you have spent ₹1,20,000 within a year, the subsequent year’s annual fee is waived.

What are the fees for the Standard Chartered Smart Credit Card?

Here is a simple Standard Chartered Smart Credit Card fee breakup.

Joining Fee	₹499 (one-time)
Annual Fee	₹499 (waived if you spend ₹1,20,000 in a year)
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, 3.75% per month (47% annually) on the outstanding balance.
Cash Advance Fee	3% of the amount withdrawn or ₹300, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a Standard Chartered Smart Credit Card?

1. Age Requirement:

You should be between 18 to 65 years of age.

2. Income Requirement:

Salaried persons: Minimum ₹30,000 per month.
Self-employed persons: Minimum ₹3,60,000 per annum (after tax).

3. Employment Status:

You should have a regular job or business with a fixed income source.

4. Credit Score:

A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

You should be an Indian resident and have a valid address proof.

What documents are required to get a Standard Chartered Smart Credit Card?

The documents that you will have to submit to Get a Standard Chartered Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Standard Chartered Smart Credit Card be used?

Here is the list of places where you can use it:

With the Smart Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

You can use your Standard Chartered Smart Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

The Chartered Smart Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Standard Chartered Smart Credit Card?

The Standard Smart Credit Card limit is different for individuals because it depends on several parameters. Standard Chartered Bank reviews your income, credit history, payment history, and outstanding debt before allocating a limit. The high-credit-score (750+) customers with regular income and good financial track record generally receive a higher credit limit.

If you initially get a lower limit, you may request an increment in the credit limit after some months of proper usage. Timely repayment, low utilization of credit, and a good banking relationship with Standard Chartered Bank can help you get the higher limit. Pre-approved limit hike by the bank from time to time is also given to the eligible customers.

How do you apply for a Standard Chartered Smart Credit Card?

Apply it through both these modes:

Online Application Process

Visit the official website of the Standard Chartered Bank, i.e.

Go to ‘Cards’, followed by ‘Credit Cards’.

On that page, you can see numerous options for credit cards issued by Standard Chartered Bank; for instance, you can choose the Standard Chartered Smart Credit Card.

Just hover your cursor on the Standard Chartered Smart Credit Card, followed by selecting ‘Apply Now‘ from there.

You will be asked to fill out your details including your name, contact information, income details, and employment status.

Be accurate and updated with the information provided.

You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

After filling out the details and uploading the documents, review your application to make sure everything is correct.

Apply online through the application form.

The bank will check your application after submitting it. They can ask for extra documents or information if required.

You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

You can walk into the nearest Standard Chartered Bank branch to apply for the Smart Credit Card.

Request for the credit card application form for the Standard Chartered Credit Card. They will provide you with the form and proceed accordingly.

Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.

Your application will be processed, and your information will be cross-checked at the bank level.

In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

You will receive the Standard Chartered Credit Card by post at the same postal address.

Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Standard Chartered Bank Card website, or mobile app or by calling their customer service.

For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a Standard Chartered Smart Credit Card in 2025 be right?

Yes, getting a Standard Smart Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.

Standard Chartered Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

For someone looking for a quick and lucrative credit card, the Standard Chartered Smart Credit Card is ideal. Cashback on both online and in-person purchases lets you reimburse your normal costs. Once you reach the expenditure level, the card also provides an annual fee waiver, no-cost E MI, and gasoline surcharge waiver.

Also, the card has a decent fee plan and is appropriate for salaried and self-employed individuals having a stable income. If you have a good credit record and are eligible, taking this card can be a sound financial choice.

Overall, this Credit card is ideal for individuals who are frequent online shoppers, make online purchases regularly, and would enjoy a trouble-free cashback. If you seek a low-cost card with average rewards, then the Chartered Smart Credit Card is well worth it!