If you’re looking for a credit card that rewards you for every swipe, the Standard Chartered Smart Credit Card is a perfect choice. With no joining fee and attractive cashback benefits, this card makes your spending even more rewarding. Whether you’re shopping online or offline, the Standard Chartered Smart Credit Card ensures you get the most value for your money.
Welcome Benefits:
Cashback Benefits:
Spend-Based Benefits:
Interest-Free Period:
Smart Card Kuch-Bhi on-EMI (KBE) Benefits:
Redeeming your cashback is simple and hassle-free:
| Type of Charge | Fee |
|---|---|
| Joining Fee | Nil |
| Annual Fee (from 2nd year) | Rs.499 (waived on Rs.1.2 lakh spend) |
| Finance Charges | 3.75% per month (45% p.a.) |
| Minimum Amount Due | 5% of total due (min Rs.250) |
| Late Payment Fee | Rs.100 to Rs.1,200 (depending on outstanding balance) |
| Cheque Bounce Fee | Rs.500 |
| Overlimit Charges | Rs.500 (2.5% of overlimit amount) |
| Cash Advance Fee | 3% (min Rs.300) |
| Overseas Transaction Fee | 3.5% |
| Cash Repayment Fee | Rs.299 |
| Paper Statement Fee | Rs.99 |
| Rewards Handling Fee | Rs.99 |
| Card Replacement Fee | Nil |
| Cheque/Cash Pick-up Fee | Rs.100 |
Pros:
Cons:
If You Have an Existing Relationship with the Bank:
If You Are New to Standard Chartered:
At FinWitty, we dive deep into the features, benefits, and rewards of various credit cards to bring you honest reviews, comparisons, and recommendations. Whether you’re looking for the best cashback card, travel perks, or fuel savings, we ensure you have all the insights needed to pick the perfect card for your needs.
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