Standard Chartered Smart Credit Card: Everything You Need to Know About the Features, Benefits and Applications

In today’s fast pace of life, credit cards are your key financial tools which allows you the ease of managing your expenses, earning rewards and gives you the premium access. The Standard Chartered Smart Credit Card is one of the many credit cards in the market packed with features, benefits and value added services. If you want something that gives back the more you spend and offers multiple rewards and lifestyle benefits, this is the card for you.
In this post we review the features, benefits, charges and eligibility of Standard Chartered Smart Credit Card and why it’s one of the top cards for smart people who want to enjoy rewards as well as convenience.

Standard Chartered Smart Credit Card Review

The Smart Credit Card from Standard Chartered is designed with the needs of today's consumer in mind - with many benefits and cool features. Whether you’re a frequent traveler, a foodie or simply someone who enjoys shopping, this card is an option that provides you with a range of rewards and benefits to earn more as you spend.
Centre of attention on digital payments, lifestyle advantage and cashback offers, the Standard Chartered Smart Credit Card gives you access to several avenues of saving money and receiving rewards. Let’s review some of the highlights and perks of this card.

Key Features of Standard Chartered Smart Credit Card

There are no hidden fees and fine print attached with the Standard Chartered Smart Credit Card. It is the best of cashback, reward points, and privileges all in one. Here are a few of its most important features:

Cashback on Everyday Purchases

Standard Chartered Smart Credit Card Standard Chartered Smart Credit Card is far from standard, it gives you cashback on all your daily spends and benefits - perfect for those of you who want to get more for everyday purchases. Cashback can be earned by card holders on different categories from online shopping and goceries to dinig. It also makes the card an excellent choice for individuals that regularly use their credit card for everyday payments.

Reward Points on Specific Categories

In addition to 5% cashback, the card also comes with reward points on select category spends. For instance, you could get reward points on your online shopping, dining and even travel reservations. Minimum spend, spending cap and accompanying Air Miles earned; then, those Air Miles balance can be exchanged for all kinds of rewards from vouchers to items to–you guess it!–statement credit.

Complimentary Lounge Access

The Standard Chartered Smart Credit Card provides complimentary lounge access at selected airports for the frequent flyer. And that's a big perk for those who want to kick back and enjoy high-quality amenities pre-flight. The airport lounge access in India and around the world will make your travel smooth and comfortable.

Zero Liability Protection

The Standard Chartered Smart Credit Card also provides zero liability for unauthorised transactions. That means you aren’t liable for unauthorized charges made before you report your card as lost or stolen. This extra level of security provides cardholders with even more peace of mind knowing their account is safe.

Contactless Payments

The card comes with contactless payment feature that offers you a faster and secure way to make your payments at merchants in India and across the globe. Just tap the card on the terminal to pay. This is ideal for people who want a fast, efficient day-to-day.”

Global Acceptance

It’s a Visa card, so you can use your Standard Chartered Smart Credit Card at more than 24 million outlets around the world. Travelling abroad or shopping online, take it with you wherever you go!

Advantages of the Standard Chartered Smart Credit Card

With the above understanding about the card, let’s check the details of the top advantages that you get as a consumer of the Standard Chartered Smart Credit Card:

Benefits of Standard Chartered Smart Credit Card

Cashback Benefits

The most appealing highlight of the Standard Chartered Smart Credit Card is the cashback tier on all spend. This card gives you cashback on select categories such as online shopping, groceries, dining etc. For each purchase you make in these categories, you earn cash back, which can be put toward your credit card bill or other rewards.
For instance, when you shop with your card online, you could get a percentage of the spending back as cashback. This can work especially well for users who do much of their shopping online or who have regular expenses such as groceries or dining out.

Reward Points Program

Earn reward points on your spends as well, apart from cashback. These reward points get added on the basis of your spends,and you can also redeem them against gift-vouchers, merchandise, or in some cases, cashback. The card earns bonus rewards points on certain categories, enabling you to increase your rewards. This is a great opportunity to be handsomely rewarded for being a shopper or a traveler: the more points that you acquire, the more exciting that your rewards will be.

Comprehensive Travel Benefits

The Standard Chartered Smart Credit Card additionally offers travel benefits including complimentary lounge access, travel insurance and special travel discounts. Unlimited airport lounge access, if you are a frequent traveler, you can make great use of this one to make your traveling less painful. Moreover, the card provides discounts on costs associated with travel which includes hotel reservations, online booking of flights and rents of a car.

Zero Liability on Fraudulent Transactions

The zero liability policy guarantees that if you are not at fault for any fraudulent charges made to your card. If your card is lost or stolen than you can inform the bank and they will immediately block all the fraudulent transactions. This extra level of security ensures that you are protected against fraud.

Exclusive Dining Offers

For the foodies among us, you can get special dining privileges at designated restaurants with the Standard Chartered Smart Credit Card. If you want to go out and have a meal at a fine-dining establishment or even have a quick bite at a casual eatery, the card provides discounts, deals and promotions to make dining out more affordable.

Standard Chartered Smart Credit Card Fees and Charges

Standard Chartered Smart Credit Card drawbacks Fees and charges Even as the Standard Chartered has a lot going in its favour, the prospective cardholder needs to be mindful of the charges and costs associated with this card. Here’s a breakdown of the key fees:

• Welcome Benefit: ₹2,000 PayTM vouchers

• Joining Fee: ₹499 (plus taxes)

• Renewal Fee: ₹499 (taxes as applicable), waived off if you spend ₹50,000 or more in the previous year

• Cash Advance Fee: 2.5% of the amount (min ₹300)

• Late Payment Fee: ₹600 (the unpaid minimum amount is not paid by the due date)

• Overlimit Fee: ₹500 (if you've exceeded the credit limit)

It is important to remember that fees and rates may change based on your credit profile, card use and bank rules. Be sure to read the terms and conditions from Standard Chartered to find out what fees your card will have to pay.

Standard Chartered Smart Credit Card Eligibility Criteria

Eligibility To avail the Standard Chartered Smart Credit Card, you will need to meet the following requirements. Here are the main requirements:

• Age: The oldest member of the cardholder must be at least 21 and no more than 60.

• Income: You must be earning at least ₹25,000 per month (for salaried) and ₹3,00,000 as annual income (for self-employed).

• Credit score: Applicants need a strong credit score (usually more than 750) to be approved.

Required Documents:

• KYC Documents: ID proof, address proof, and date of birth proof (Aadhar card, PAN card, passport, voter ID card, etc.)

• Proof of income: Latest salary slip (for salaried), or IT returns (for self-employed).

• Photograph: Passport size photograph of the candidate.

You may apply for the product if you meet the eligibility criteria, which you can do online or at a Standard Chartered branch.

How the Standard Chartered Smart Credit Card Compares to Other Cards

In a market cluttered with premium credit cards, however, the Standard Chartered Smart Credit Card manages to shine on the strength of its cashback and reward points system, rounded out with travel privileges and security benefits. This is how it compares with the competition:

• Low Fees, High Value: Thanks to its low annual fee coupled with the ability to get it waived off there is considerable bang for the Standard Chartered Smart Credit Card’s buck.

• Earn Rewards on Everything You Spend: While other credit cards will only offer rewards for certain categories, with this card you can earn cash back and reward points on a variety of purchases.

• Travel Benefits: The free lounge, discounts on travel and Insurance cover make this the perfect card for someone who is always on-the-go.

• Robust security: You won't be held responsible for any unauthorized charges made to your card.

Conclusion

The Standard Chartered Smart Credit Card is a feature-packed credit card with great rewards, cashback and lifestyle benefits. Whether you want privileges, are a frequent traveler, or even if you want to earn reward points on rolls of bounty, this card has got you covered.
Packed with the low fees, inclusive travel perks and the extra security benefits, the Standard Chartered Smart Credit Card is one of the best credit card options for those who are looking for a reliable and rewarding card. Convenience, rewards and security: If these things are important to you, this card should be on your radar.
The Standard Chartered Smart Credit Card is a way of life offering you the best of cashbacks, reward points, and premium privileges.