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This credit card offers a blend of convenience and smart spending. With attractive cashback, 90-day interest-free period and more, there’s something for everyone.

Features and Benefits

With the Standard Chartered Smart Credit Card, you can make your financial experience a joyride:


Get 2%* cashback on online spends and 1%* cashback on offline purchases

Exclusive EMI Offers

Convert your purchases into 3-month EMIs at an interest rate of just 0.99% per month.

Extended Interest-free Period

Enjoy an interest-free credit period that lasts for the first 90 days after the card is issued, with only the minimum amount due to be paid.

Renewal Fee Waiver

Your renewal fee can be reversed if you spend an amount greater than ₹1.2 Lakhs in the previous year

Eligibility Criteria and Documents Required

Eligibility Criteria:

To qualify for this card, you must fulfill the following conditions:

  • Age of Applicant:
  1. For salaried individuals, the age should be between 18 and 65 years

  2. For self-employed individuals, the age should be between 18 and 67 years

  3. For add-on cardholders, the minimum age is 18

  • Income Criteria:A steady income is mandatory.

  • Residential Location: You should reside in an area or city where the bank's credit card services are easily accessible.

Documents Required

Ensure that you have the following documents ready during the application process:

  • Identity Proof (Any One)
  1. Passport

  2. Voter ID Card

  3. Government ID, etc.

  4. PAN Card

  • Address Proof (Any one with Current Residence Address)
  1. Passport

  2. Aadhaar Card

  3. Driving License

  4. Election/Voter’s ID Card

  5. Job card issued by NREGA duly signed by an officer of the State Government

  6. Letter issued by the National Population Register containing details of name and address

  • Additional Requirements
  1. 1 Recent Passport-sized Photograph
  • For Salaried Individuals
  1. Last month salary slip
  • For Self-Employed Individuals


Self-Employed Businessmen:

  1. Latest IT Returns with computation of income/Certified Financials

  2. Last Business Continuity proof


Self-Employed Professionals:[10]

  1. Latest IT Returns

  2. Business Continuity proof

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How to Apply for the Standard Chartered Smart Credit Card

These steps will help you understand how you can apply online for the Standard Chartered Smart Credit Card:

  1. Select the ‘Apply Now’ option on your screen

  2. Fill in the required information, including your phone number, birth date, and profession

  3. Click on 'Next’

  4. Provide the OTP

  5. Select 'Standard Chartered Smart Credit Card'

  6. Enter details such as your PAN Card number, email address, residence PIN code, and income

  7. Complete the application by entering your employment and personal details


That’s all!

Customer Care Details

Contact Standard Chartered customer service team on the following numbers:

  • For Personal Banking Needs: Dial 66014444/39404444 (Remember to enter the STD code before the number)

  • For Premium Banking Needs: Dial 66011500/39401500 (Remember to enter the STD code before the number)

  • For Priority Banking Needs: Dial 66012424/39402424 (Remember to enter the STD code before the number)


You can contact the bank through the following email address:

  • Email Address: Customer.Care@sc.com

Fees and Charges

Here are the fees and charges associated with this card:

Types of Fees


Joining Fees


Annual Fees

₹499 + GST

Annual Fee Waiver

Upon spending above ₹ 1,20,000

Disclaimer: The values mentioned in the table above are indicative and subject to change. Please refer to the issuer's MITC document for more details.

Frequently Asked Questions

How much cashback can I earn through the Standard Chartered Smart Credit Card?

You can earn 2% cashback on all online purchases and 1% cashback on all offline purchases. There is a monthly limit of ₹1000 cashback on online transactions and ₹500 cashback on other transactions. Fuel transactions are not eligible for cashback.

What are the EMI options available?

You can convert an eligible transaction of more than ₹ 2000 into EMIs at 0.99% interest rate for a tenure of 3 months.

Do I get any introductory benefits?

Yes, you enjoy an extended interest-free period of 90 days from the date of card issuance. This means you won't pay any interest on your purchases if you pay the minimum amount due within this period.

How can I get my annual fee waived?

If you spend more than ₹1.2 Lakhs in a year, your annual fee of ₹499 + GST will be automatically waived.

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

You must be between 18 and 65 years old, have a steady income, and reside in an area where Standard Chartered credit card services are available.

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