The Standard chartered smart Credit card offers many exciting benefits on online purchases, Online food orders, online movie ticket booking, or making payments on online purchases. Therefore, the Standard chartered smart credit card is a good credit card for online shoppers.
If you are a shopaholic, this blog will help you find out the benefits of a standard chartered credit card, the eligibility to apply for the card, and the documents you need to carry to apply for the card.
The benefits of a SC smart credit card are
Interest-free Credit Period:
You can enjoy an extended interest-free credit period for the first 90 days post credit card issuance by paying only the minimum amount due.
Win cashback on your Online spending:
You can win 2% cashback on all your online spending. However, you can win a maximum of Rs 1000 per month.
Win cashback on other spending:
You can get 1% cashback on another spending. However, you can win up to a maximum of Rs 500 per month. Fuel transactions are not eligible for cashback.
No-Fee EMI Plans:
You can convert your transactions into EMIs at a special interest rate of 0.99% per month and nil processing fees.
Safe online transaction:
With the Smart credit card, you don’t have to worry about the security of making an online transaction. The Standard chartered bank’s Smart Credit card comes with 3D secure OPT generation system. Thus, no payment is made before OTP verification from your side.
Add on credit card:
You win a supplementary credit card with the standard chartered smart credit card. You can share with your family member and share the joy. Thus, the Standard chartered bank’s Smart Credit card care about your loved ones so that they can share the benefits of the card.
The Standard chartered bank’s Smart Credit card has a contactless technology feature. Therefore, you can enjoy faster and more convenient payments with a lesser threat of losing your card.
Repayment on EMI option:
The card gives you an option to pay back in EMI repayment option. You can repay your big spending in EMI and enjoy a flexible tenure option and attractive pricing.
360-degree reward option:
With the Standard chartered bank’s Smart Credit card, you can redeem your rewards against other online catalogues.
To get a loan on your credit card, you need to dial and get a loan of Rs. 500000.
Eligibility to apply for the SC smart credit card
Age of the applicant:
The applicant’s age should be between 18 and 65 years.
The minimum age for add-on cardholders is 18 years.
Monthly earnings of the applicant:
Applicants should have a stable monthly income.
Documents that you require applying for the card
The applicant would require identity Proof. For example, Passport, PAN Card, Voter Id Card, Govt ID, etc.
For an address Proof, you can carry an aadhaar Card, Passport, Driving License, Election/Voter’s ID card, or Job card issued by NREGA duly signed by an officer of the State Government.
You also have to carry 1 recent passport-sized Photograph.
Summing up: After reading this blog, you know about the benefits of the chartered bank’s Smart credit card, the eligibility to apply for best credit cards in India, and the documents required to be carried. Therefore, if you like the card, you can apply for the card online. However, compare the benefits and features with another card to make the best decision.
Read Also: Equifax India – Guide to Credit Scores and Reports