10 Reasons Why You Should Have The New Smart Credit Card
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10 Reasons Why You Should Have the New Smart Credit Card

Over the last few years, we have seen the emergence of UPI backed payment apps and banks have made an effort to consistently update their banking apps to make online money transfers easier for their account holders. However, the use of credit cards still remains highly popular because of the advantages they offer. Standard Chartered Smart Credit Card is one such card which has become popular in a short span of time.

It comes with multiple features which not only makes life simpler but also provides multiple benefits.

Reasons Why You Should Have the New Smart Credit Card

Here are 10 reasons why you should use the Standard CharteredSmart Credit Cardfor your payments:

1.Flat Cashback on Online Spends

Enjoy the benefits of a credit card that offers a flat cashback on spends. Get a flat 2% cash back on all online spends with the Standard Chartered Smart Credit card. The maximum cashback offered is Rs 1,000/- a month. Therefore, if you are a regular online shopper, you can save up to Rs 12,000/- a year, which is immense.

2.Cashback on Offline Spends

With the Standard Chartered Smart credit card, you can avail of 1%* cashback on your offline spends limiting to Rs. 500 a month (except on fuel spends and cash withdrawals). Therefore, a yearly calculation will sum up to Rs. 6,000/. You can use this cashback forother spends or even save for the future.

3.Extended Interest-Free Credit Period of 90 days from card issuance

If you are planning to spend on something big, why not apply for the Standard Chartered Smart credit card and use the extended interest – free credit period for 90 days from credit card issuance. You can invest the money somewhere else, earn interest &pay back for the item you purchased. This is a win-win opportunity that comes rarely.

4.Low-interest EMI plans

If your retail purchase in a single transactioncrossesRs. 2,000/ in any given month, you can convert them into three months EMI with the Standard Chartered Smart credit card based on your eligibility to avail the offer.The interest rate is 0.99*% which is super low when compared with similar options.  Additionally, there exists no processing fee for the conversion into EMI.

5.Total Security

Standard Chartered, being a renowned bank, has carried all their checks for complete security for their credit card users. The card will have a 3D secure OTP verification which ensures security in all possible ways.

6.Loan Against Credit Card

This allows a person to get a loan against their Standard Chartered Smart Credit Card. The maximum amount a as loan can be up to Rs. 5 lakhs. This can be replayed with flexible options for a period ranging from 12 to 60 months.

7.Supplementary Credit Card for Your Family

There are times when you struggle to receive an OTP to complete the transaction. Also, there can be instances when both you and your family need your card at the same time. In such circumstances, it is best to get an additional supplementary credit card for them. Standard Chartered Smart Credit Card provides such facilities to ease your spending.

8.Cashback Points Equals Money

The best feature of the Smart Credit Card is that it offers cashback in the form of reward points. 1 Cashback point equals 1 Rupee. You can redeem such points on their reward portal, 360 degree rewards.

9.Low Joining Fee and the Annual Fee Which Can Be Reversed

A bare minimum fee of Rs. 499 + tax is payable in the first year. You can save that in the very first month through cashback offers. Second year onwards, if your spending is more than Rs. 1,20,000/- in the previous year then the annual fee for the Second year will be reversed.

10.Early Eligibility

If you have a stable income and are of 18years of age, you can apply for the Smart Credit Card and can fulfil all your shopping needs to earn cashback points. Later, spend the points and relish throughout.