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Standard Chartered India · Mastercard / Visa · हिन्दी

Standard Chartered Smart Credit Card: full review

The SC Smart is the most straightforward cashback card in India, 2% on everything online, 1% on everything else, direct statement credit. No partners, no points, no portals. At ₹499 with an easy fee waiver, it's a strong backup card for anyone who wants cashback without complexity. Heavy online spenders will hit the ₹1,000 cap quickly though.

Apply now ↗Annual fee: ₹499 + taxes
Last updated: October 2026 · Current terms verified
STANDARD CHARTER
VISA
)))
SMART
ASHOK KUMAR
12/28
₹499 + taxes (waived on ₹1,20,000/year spend)Annual fee
2% cashback on all online spends (capped ₹1,000/month); 1% on all offline spends (capped ₹500/month)Reward structure
NoneLounge access

Key benefits of the Standard Chartered Smart Credit Card

2% cashback on all online spends, capped at ₹1,000 per statement cycle1% cashback on all offline/other eligible spends, capped at ₹500 per statement cycleDirect statement cashback, no points, no portal, no redemption processAnnual fee waived on ₹1,20,000/year spend, effectively free for most users90-day interest-free credit period in the first 3 monthsEMI conversion at 0.99%/month with no processing fee
Apply now ↗ Min. income: ₹25,000/month (salaried) · Credit score: 700+
Pros and cons
Pros
✓ Simple no-fuss cashback, 2% online, 1% offline, no category restrictions
✓ Direct statement credit, zero redemption effort
✓ Annual fee easily waived at ₹10,000/month spend
✓ Works across all online merchants, no partner restrictions
Cons
✗ ₹1,000/month online cashback cap limits benefit for heavy spenders
✗ 3.5% forex: avoid using abroad
✗ No lounge access
✗ Cashback minimum redemption of ₹1,000 (must accumulate)
Quick facts
Issuer Standard Chartered India
Network Mastercard / Visa
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹499 + taxes (waived on ₹1,20,000/year spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹499
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → None
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹25,000/month (salaried)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceStandard Chartered's Smart card page · Last checked October 2026
Recent updates

Added the monthly caps from Standard Chartered's card page to our maths: 2% cashback on online spends is capped at ₹1,000 a month and 1% on other spends at ₹500. Rates are unchanged.

Monthly capsNot counted₹1,000 online + ₹500 other
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Frequently asked questions
The annual fee for Standard Chartered Smart Credit Card is ₹499 + taxes (waived on ₹1,20,000/year spend). The joining fee is ₹499.
The main benefits of the Standard Chartered Smart Credit Card are: 2% cashback on all online spends, capped at ₹1,000 per statement cycle; 1% cashback on all offline/other eligible spends, capped at ₹500 per statement cycle; Direct statement cashback, no points, no portal, no redemption process; Annual fee waived on ₹1,20,000/year spend, effectively free for most users; 90-day interest-free credit period in the first 3 months; EMI conversion at 0.99%/month with no processing fee.
2% cashback on all online spends (capped ₹1,000/month); 1% on all offline spends (capped ₹500/month)
Standard Chartered Smart Credit Card is best for Simple flat cashback on online and offline spends with no category restrictions. The SC Smart is the most straightforward cashback card in India, 2% on everything online, 1% on everything else, direct statement credit. No partners, no points, no portals. At ₹499 with an easy fee waiver, it's a strong backup card for anyone who wants cashback without complexity. Heavy online spenders will hit the ₹1,000 cap quickly though.
The minimum income requirement for Standard Chartered Smart Credit Card is ₹25,000/month (salaried). A minimum credit score of 700+ is also recommended.
Standard Chartered Smart Credit Card does not offer airport lounge access.
Standard Chartered Smart Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Shopping Credit Cards →Best Cashback Credit Cards →Best Credit Cards for Amazon and Flipkart →Best Credit Cards for Self-Employed →
Card reviews
Axis Bank Select Credit CardHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spendsAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categoriesAU Bank Zenith Credit CardHigher spenders who can comfortably hit the fee-waiver threshold and will use both domestic and international lounge access regularlyYES Bank POP-Club Credit CardFrequent online/e-commerce shoppers willing to actively redeem within the POP Club app's voucher ecosystem, not simply looking for flat, flexible cashback
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Standard Chartered Smart₹499 + taxes
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