Here’s a look at how –

• 2% flat ^cashback on online spends

The first cashback that the Smart Card offers is on online payments. If you use the card for any type of online transaction, you get a cashback of 2% on each transaction. Every month you can earn a maximum credit card cashback of up to Rs.1000 across your online transaction

What’s better is that there is no brand-centric affiliation. You get the same amount of cashback at whichever online payment that you do,

• 1% flat^ cashback on offline spends

Not comfortable with online spends? Worry not, for your offline spends also qualifies for the credit card cashback. For every card swipe, you get a 1% cashback. The maximum cashback that you can earn is up to Rs.500 per month on your offline expenses except any fuel transactions

Besides the cashback, you also get an interest-free period of up to 90 days in your first credit card bill.

Excited to know more about Standard Chartered Smart Card, then click here!

The run-up to Rs.18,000 as your credit card cashback

Now that you know the cashback that you can earn, here’s a look at how you can earn up to Rs.18,000 in cashback throughout the year –

• Online cashback – Rs.1000/month * 12 = Rs.12,000
  If you spend Rs.50,000 or above in a month, you can earn a maximum cashback of Rs.1000. This cashback, multiplied by 12, gives you an annual earning of Rs.12,000
• Offline cashback – Rs.500 * 12 = Rs.6000
  If you spend Rs.50,000 or more through the offline mode, you earn a maximum cashback of Rs.500. this, multiplied by 12, gives an annual earning of Rs.6000

Yes, a total cashback of Rs.18,000 in a year.

Click here to know more about the cashback offered by Standard Chartered Smart Credit Card.

The icing on the cake

While you earn Rs.18,000 in cashback, you also get a reversal of the annual fee of Rs.499 when your spends exceed Rs.1.2 lakhs in a year from second year onwards. The credit card, therefore, becomes free and you can enjoy a refund every time you shop or pay your bills using the card.

Another beneficial feature of the credit card is its low-cost EMI conversion facility. You can convert your big purchases into affordable EMIs to pay for them affordably. If you choose a 3-month EMI^, no processing fee is charged. Moreover, the interest payable on the EMI is a only  0.99% per month. Cost-effective and affordable, don’t you think so? Terms & conditions apply.

Tap into the rewards offered and apply for the by Standard Chartered Smart Card and save money on every transaction that you do, however big or small.