Enhanced Credit Limits*   > 100% cash limit   > Minimum Credit Limit: INR 20,000   > Maximum Credit Limit: INR 3,00,000 Attractive Interest Rate   > 2.25%p.m. interest levied on amount utilized. ATM cash withdrawal facility   > No cash advance fee in cash withdrawals from Standard Chartered Bank ATMs.   > Use your Smart Credit card to withdraw cash upto your credit limit from any of the VISA ATMs.   > Four cash withdrawals free per month on Other Bank VISA ATMs.* Flexibility in repayment   > Have the flexibility to repay only 5% of the outstanding every month and revolve the rest.   > No tying down to EMIs, no pre-payment charges Multicity Cheque book facility   > You can withdraw cash or make payment using your Multicity Cheques across all Standard Chartered Bank branches. Shop around the World   > Make purchases using your Smart Credit card at merchant outlets the world. 24 - hours Phone Banking facility   > Call out phone banking numbers, for a wide range of services like pay order delivery, balance enquiry, etc. Easy access Cheque Collection Boxes   > You can make payments to your account by dropping Cheque in conveniently placed Cheque collection boxes across the country.