स्टैंडर्ड चार्टर्ड स्मार्ट क्रेडिट कार्ड
जारीकर्ता बैंक / संस्था: Standard Chartered Bank India
Digital cashback card offering 2% cashback on all online spends, 1% on offline retail, and 0.99% monthly EMI rate.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
Standard Chartered Smart Credit Card is a no-nonsense cashback card engineered for digital consumers. It offers a flat 2% cashback across all online merchant transactions, 1% on offline retail, and a low 0.99% per month promotional interest rate on EMI conversions.
Amazon gift voucher worth ₹500 or fee reversal on spending ₹10,000 within 30 days of card issuance.
No complimentary airport lounge access is included on this entry cashback card.
1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹5,000 (maximum waiver of ₹250 per statement cycle).
Up to ₹18,000 in cashback annually across online and offline retail. Annual fee reversal on ₹1.2 Lakhs spend.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
Salaried Indian individuals aged 21 to 65 with monthly salary exceeding ₹30,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹4,50,000.
न्यूनतम वार्षिक आय आवश्यकता
₹30,000/month (Salaried) / ₹4,50,000/year ITR (Self-Employed)
📂आवश्यक दस्तावेज (Required Documents)
1. PAN Card (statutory requirement) 2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID 3. Proof of Income: Last 3 months' salary slips with bank statement OR Latest ITR with Computation Sheet 4. Passport-size photograph.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden Costs)
Online cashback has a monthly cap of ₹1,000, and offline cashback has a ₹500 monthly cap. No airport lounge access. High 45% annual APR on revolving balances.
🚀आवेदन के चरण (How to Apply)
Step 1: Visit sc.com/in/credit-cards or open SC Mobile India app. Step 2: Enter PAN and mobile number for soft eligibility evaluation. Step 3: Select Standard Chartered Smart Credit Card. Step 4: Enter employer details and monthly salary. Step 5: Complete online Video KYC session with bank official. Step 6: Card is approved and dispatched via courier within 3 to 5 business days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What happens if I miss the minimum payment due on Standard Chartered Smart Credit Card?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹750 for ₹1,001–₹5,000; ₹900 for ₹5,001–₹10,000; ₹1,200 for above ₹10,000 (+ GST).. In addition, revolving finance charges at 3.75% per month (45.00% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on Standard Chartered Smart Credit Card into EMI?
Yes, Standard Chartered Bank India provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on Standard Chartered Smart Credit Card?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into Standard Chartered Bank India's official mobile banking application or web portal. 1 Reward Point = ₹1.00 directly credited as cash against the cardholder's statement balance. Please note: Cashback is credited directly to statement balance and does not expire.
What is the interest-free grace period on Standard Chartered Smart Credit Card and how does it work?
The interest-free period on Standard Chartered Smart Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.75% per month (45.00% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.