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  1. Credit Cards
  2. Smart Credit Card

Get cashback up to INR 18,000 annually*

Explore a smarter way to spend with the Smart credit card. *T&C apply

Smarter way to spend
  • Flat
    2%* Cashback

    on online* spends. Flat 1%* Cashback on other* spends

  • Attractive interest rate on 3-month EMI
    0.99% per month

    Convert your eligible transactions into 3-month EMI and enjoy a 0.99% p.m. special interest rate with NIL processing fee

  • Enjoy
    Extended interest-free

    credit period for first 90 days post credit card issuance* by paying only the minimum amount due

Smart Credit Card Benefits

Extended Interest-free Credit Period

Enjoy an extended interest free credit period for the first 90 days post credit card issuance by paying only the minimum amount due.

Special Interest rate for EMI plans with Nil processing fee

Convert your transactions into EMIs at special interest rate of 0.99% per month at Nil processing fees. How to avail

Cashback on all your Online spends

Get 2%* cashback on your Online* spends, up to a maximum of Rs 1000 per month.

Cashback on your other spends

Get 1%* cashback on your other spends, up to a maximum of Rs 500 per month. Fuel transactions are not eligible for cashback

Other Credit Card Features


  •  Applicant’s age should be between 18 and 65 years.
  •  Minimum age for add-on cardholder is 18 years.

Monthly Income

  • Applicants should have a stable monthly income.

Other Requirements

  • Applicants should belong to credit card sourcing cities/locations of the Bank.
  • All applications are subject to credit and other policy checks of the Bank.

You will need

  • Identity Proof (Any One of the following Photo cards): Passport, Voter Id Card, Govt ID, etc..
  • PAN Card
  • Address Proof (Any One of the following documents with current residence address): Aadhaar Card, Passport, Driving License, Election/Voter’s ID Card, Job card issued by NREGA duly signed by an officer of the State Government, The letter issued by the National Population Register containing details of name, address.
  • 1 recent passport-sized Photograph

Financial documents for salaried

  • Latest one month salary slip

Financial documents for self employed

  • Self Employed Businessmen: Latest IT Returns with computation of income /Certified Financials, Last Business Continuity proof.
  • Self Employed Professionals: Latest IT Returns, Business Continuity proof.

Annual Fee (for 1st Year)
Joining / First Year Fee of INR 499 + GST waived as a Special Offer (Not applicable for existing SCB credit card holders)
Renewal Fee (2nd Year Onwards)
INR 499 + GST, The renewal fee will be reversed for clients with spends greater than or equal to INR 120,000 in the preceding year on Smart credit card

Category of Spends Monthly Spend Cashback Earned (Per Month) Annual Cashback (Per Annum)
Online Spends INR 50,000 INR 1,000 INR 12,000
Offline Spends INR 50,000 INR 500 INR 6,000
Total INR 1,00,000 INR 1,500 INR 18,000

For Illustration purposes only, Terms & Conditions apply*

For details, please click here
For details, please click here
For details, please click here

a. KBE via Phone Banking

Call our phone banking team on 080 39401166 / 66011166 and place your request for EMI conversion or SMS KBE to +91-9223010121 to get a call back

b. KBE via SMS

Respond to the SMS received just after you spend on your credit card to convert transactions into easy EMIs. A fast and easy way to avail EMI on your purchases

c.KBE via Online Banking and SC mobile

You can login to Online banking or mobile banking and place a request at your convenience for the eligible transactions.

Platinum Rewards credit card