Standard Chartered Smart Credit Card

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3.9

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Beginner

Best For: Shopping

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Standard Chartered Smart Credit Card

Approval Rate:

Elementor Single Post #221

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AU Bank Zenith+ Credit Card

The Standard Chartered Smart Credit Card is an ideal choice for individuals who are savvy consumers and wish to accumulate rewards on their daily purchases. It is particularly well-suited for young professionals and budget-conscious individuals due to its unique selling proposition, which includes cashback on online purchasing, consumables, and dining. The card offers exclusive discounts on e-commerce platforms, special petroleum offers, and rewards points that can be redeemed for a variety of products and services. This option is most suitable for individuals who are interested in maximising their value-driven savings. Additionally, it provides access to appealing offers and rebates on all purchases, thereby improving the purchasing experience.

Card Details

Type of Card

Cashback

Reward %

1-2%

Joining Fees

499

Renewal Fees

499

APR

45%

Welcome Benefit

Renewal Benefits

Renewal Benefits - Renewal fee reversed on spends greater than INR 120,000 in the previous year

USP's:

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

Fees & Charges

Joining & Renewal Fees

499,499

Interest & Charges

Additional Charges

Rs99 per redemption request.

Rewards

Regular Rewards on Eligible Spends

Online

Milestone Benefits

Yearly : Spend 1.2 Lakhs< Renewal Fee Waiver.

Exclusions

Fuel, Jewellery, Rent, Utilities, Wallets

Rewards capping

Redemption modes

Catalouge Products

Additional Features

travel-3d

Lounge Benefits

  • Domestic : No
  • International : No
cashback-3d

Insurance Benefits

  • None
3902003

Other Perks

  • None

Eligibility Criteria

Age

18Y

Min

60Y

Max

Credit Score

720

Ex Min

Other: Card-to-card eligibility requirements.

Pros

2% cashback on online transactions (up to ₹1,000 per month)
1% cashback on offline transactions (up to ₹500 per month)
Extended interest-free credit period for the first 90 days post card issuance
Option to convert purchases above ₹2,000 into 3-month EMIs at a special interest rate of 0.99% per month with zero processing fee

Cons

No cashback on fuel transactions
Monthly cashback caps may limit total rewards for high spenders
Lacks additional benefits such as lounge access or concierge services
Annual fee of ₹499, though it can be offset by cashback earnings

Terms and Conditions *