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Standard Chartered Smart Credit Card: A smart choice for your online and offline spends

smart card

Standard Chartered Smart Credit Card: A smart choice for your online and offline spends

Many people use credit cards to transact given the reward points that they can earn. Moreover, there are other privileges that credit cards provide making them a popular mode of payment.

So, If you are someone who also relies on your credit card for most of your purchases, would you like to earn cashback on all your spends?

If ‘Yes’ then the new Standard Chartered Smart Credit Card is for you. Powered with attractive cashback and exclusive EMI benefits, Standard Chartered’s new Smart Card is simple, yet powerful.

Here’s a look at what the card has in store for you –

1. Cashback on every purchase

Many of us opt for on online shopping while others still rely on  traditional modes of offline purchases. Whatever your shopping preference, you can enjoy cashback on each spend done with the Smart Card. Get 2% flat^ cashback, up to Rs.1000 per month on each online spend and 1% flat^, up to Rs.500 per month, on each offline one. No cashback for fuel purchases.  So, that aggregates to a cashback of Rs.12,000 a year for online transactions and Rs.6000 a year for offline ones culminating in a total of Rs.18,000 annually.

Here’s a look into how cashback work –

Say you splurged Rs.10,000 on Amazon’s Grand Indian shopping Festival. Another Rs.10,000 was racked up on grocery shopping, online. Netflix and other OTT subscriptions were billed at Rs.2000. You also spent Rs.5000, offline, on paying your child’s tuition fee.

Want to know how much cashback did you earn?

Online shopping – 2% of Rs. (10,000 + 10,000 + 2000) = 2% of Rs.22,000 = Rs.440

Offline shopping – 1% of Rs.5000 = Rs.50

Total cashback – Rs.490

What’s more, you can accumulate and redeem the cashback earned and then use them for your credit card bill payment^. To do so, you would have to redeem your cashback before your credit card statement is generated so that you can adjust the cashback in the current statement. The minimum redemption amount is Rs.1000 and you can redeem your cashback in multiples of Rs.500. Could you ask for more?

2. Low joining and annual fee

Wondering about the fee payable to opt for the Smart Card? Don’t. Standard Chartered’s Smart Card comes at a low joining fee and annual fee of Rs.499^. Moreover, you can get the from second year onwards, annual fee reversed if you spend Rs.1.2 lakhs or more in the previous year. Affording the Smart Card is also easy, wouldn’t you say so?

Click here to know more about the Standard Chartered Smart Card.

3. Unique benefits on EMI conversions

We understand that big ticket purchases can cause a financial dent. So, we allow you to convert your purchases into affordable EMIs and that too, with benefits. Pay an interest of only 0.99% per month if you opt for 3-month EMIs^. Moreover, there is no processing fee involved.

4. 90-day interest free credit card on your first bill

You can enjoy a 90-day interest free credit period for the first 90 days post issuance of credit card with payment of minimum due.

Why choose Standard Chartered Smart Card?

Still looking for reasons to choose Standard Chartered’s Smart Card? Well, here are a few more

  1. No partner-based reward system. Get cashback* across l credit card spends, wherever you use it.
  2. Online or offline, whatever you prefer.
  3. No minimum transaction value for earning cashback. Get rewarded, however much you spend
  4. Earn a cashback up to Rs.18,000^ in a year
  5. An extended credit free interest period of 90 days when you join^
  6. 1 cashback point equals Re.1. Redeem accumulated cashback in multiples of Rs.500, with minimum redemption amount of INR 1,000^

Isn’t the card smart?

A simple credit card but packed with benefits, Standard Chartered’s Smart Card can make your shopping fun. After all, who doesn’t like deals and offers?

So, unlock the cashback on all your purchases and get extra benefits whether you splurge or just take care of your monthly bills.


The views expressed in the article are those of Standard Chartered Bank (“SCB”) and do not constitute financial, professional or other advice. SCB, including its Directors, Officers or Employees shall not in any event be liable for any damages or injury arising merely from your reliance on any information provided here. Each bank / financial institution will have its own processes/ fees/ charges and any information contained in this Article is only indicative. Before placing any reliance on any information contained or views expressed in this Article, we would request you take all steps necessary to verify the correctness thereof. The information contained in this Article is only indicative. Each Standard Chartered Bank Product has its own terms & conditions and should be referred to in entirety. We request you to kindly visit “sc.com/in” or visit your nearest Standard Chartered Bank Branch or call on our Customer Care numbers for more details.

^Details of Smart card Terms & Conditions here