Standard Chartered Smart Credit Card Key Highlights

Joining & Renewal FeeRs. 499 + Taxes
Best suitable forShopping
Welcome BenefitsExtended 90 days interest period from the date of the card issuance
Reward RateCashback of 2% on online spends and 1% on offline spends

Features & Benefits of Standard Chartered Smart Credit Card

The SCB Smart Credit Card, a recently unveiled cashback card, offers an array of compelling rewards on both online and offline purchases. Detailed below are the various benefits associated with this credit card:

Welcome Benefits

  • Cardholders receive an extended interest-free period by paying the minimum due amount.This introductory offer is valid for the first 90 days post card issuance.
  • The welcome benefit applies solely to the primary card and excludes supplementary cards.


  • Earn 2% cashback on all online expenditures, with a monthly cap of Rs. 1,000.
  • Receive 1% cashback on all offline purchases, limited to Rs. 500 per month.
  • Cashback does not apply to fuel transactions.

Annual Fee Spend Based Waiver

The annual renewal fee of Rs. 499 is waived from the second year onwards for spending Rs. 1,20,000 or more in the previous anniversary year.

Fee and Charges of Standard Chartered Smart Credit Card

Interest Charge3.75% per month 
Late Payment Charges

Outstanding Balance 

Upto Rs.100 - Nil 

Between Rs.101‑ Rs. 500 – Rs.100 

Between Rs. 501-Rs.1,000 – Rs.350 BetweenRs.1001-Rs.10,000– Rs.550 Between Rs.10,001-Rs.25,000 - Rs.800 Between Rs.25,001-Rs.50,000 - Rs.1100 Above Rs.50,000 - Rs.1300

Add-on Card FeeNil
Cash Advance Charges3% of cash advance subject to a minimum charge of Rs 300
Forex Charges3.5%
Fuel Surcharge1% fuel surcharge or Rs. 10, higher of the two, will be granted as fuel surcharge waiver.

Standard Chartered Smart Credit Card Eligibility Criteria

To qualify for this credit card, applicants must satisfy the following criteria:

  • The age of the primary applicant must range from 18 to 65 years.
  • Any additional cardholder must be at least 18 years old.
  • Applicants must possess a reliable income source.
  • Residency in a city with a Standard Chartered Bank branch is required for eligibility.

Documents Required for Standard Chartered Smart Credit Card

To apply for the Standard Chartered Bank Smart Credit Card, ensure you have the following documents:

  • Identity Verification: Options include Aadhar Card, PAN Card, Passport, Voter ID, or any valid government-issued identification.
  • A recent passport-sized photograph.
  • Proof of Address: Acceptable documents include Aadhar Card, Driving Licence, Passport, Voters’ ID, NREGA Job card, among others.
  • Proof of Income for Salaried Individuals: Recent salary slips.
  • Proof of Income for Self-Employed Applicants: Latest Income Tax Returns and evidence of business continuity.

How to Apply for Standard Chartered Smart Credit Card?

The application process for the Standard Chartered Credit Card is available both online and offline. To apply in person, simply visit the nearest SC bank branch and complete the application form. 

For online applications, follow these easy steps:

  • Select the 'Apply Now' button on this page.
  • Begin your application by entering your name and mobile number.
  • In the subsequent step, provide all necessary details and upload the required documents meticulously.
  • You will receive notification through SMS or email about the status of your application, whether approved or rejected.

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What are the eligibility criteria for the Standard Chartered Smart Credit Card?


Applicants must be aged between 18 and 65 years for the primary card and at least 18 years for additional cardholders. A stable income and residence in a city with a Standard Chartered branch are also required.

What are the cashback benefits of this card?


Cardholders earn 2% cashback on online spends (capped at Rs. 1,000/month) and 1% on offline spends (capped at Rs. 500/month). Cashback is not applicable on fuel transactions.

Why is it called a 90-day interest-free credit card?


The Standard Chartered Smart Credit Card is termed a '90-day interest-free credit card' due to its unique welcome benefit for new cardholders. Upon acquiring this card, cardholders are granted an extended interest-free period for the first 90 days from the date of card issuance. This means that for these initial 90 days, cardholders can make purchases and carry a balance on their card without incurring any interest charges, provided they at least make the minimum payment due. This feature is particularly beneficial for those new to credit or looking to manage their finances more effectively in the short term.

Is there a welcome benefit for new cardholders?


Yes, new cardholders enjoy an extended interest-free period for the first 90 days, provided they pay the minimum amount due. This benefit is applicable only to the primary card.

Can the annual renewal fee be waived?


Yes, the Rs. 499 annual fee is waived from the second year if you spend Rs. 1,20,000 or more in the previous anniversary year.

What documents are required to apply for this card?


Applicants need to provide identity proof (like Aadhar, PAN, Passport), address proof (like Aadhar, Driving Licence), a passport-sized photograph, and income proof (recent salary slips for salaried or IT Returns for self-employed).

How can I apply for this credit card?


Applications can be made online via the 'Apply Now' button on the relevant page, or offline by visiting a nearby Standard Chartered branch.

How will I know if my application is approved or rejected?


Applicants are informed about the approval or rejection of their application through SMS or email.