Standard Chartered Smart Credit Card
Standard Chartered India · Visa · Entry card
A simple cross-merchant cashback structure with separate online and offline caps and a reachable fee waiver.
Online shoppers who want straightforward cashback without relying on named merchants.
Terms checked 24 Sept 2026
- Annual fee
- ₹499 + GST
- Joining fee
- ₹0
- Base reward rate
- 1%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 2% |
| Groceries & essentials | 1% |
| Dining & delivery | 1% |
| Travel & hotels | 1% |
| Beauty & wellness | 1% |
| Entertainment & movies | 1% |
| Education & family | 1% |
| Healthcare & pharmacy | 1% |
| Subscriptions & streaming | 1% |
| Offline store shopping | 1% |
| International spending | 1% |
| Gold & jewellery | 1% |
| House rent | 1% |
| Insurance premiums | 1% |
| Other miscellaneous | 1% |
| Fuel & commute | 0% |
| Bills & utilities | 0% |
Caps and fee waiver
- Reward caps
- Online cashback: ₹1,000/statement cycle · Other eligible cashback: ₹500/statement cycle
- Annual fee waiver
- At ₹1,20,000 annual spending
- Monthly income requirement
- Not listed
Airport lounge access
No complimentary airport lounge access recorded
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 6 items
Eligible online cashback
Usage-based value2% is modeled only for spending entered in the online-shopping category; cross-category online execution is not inferred.
Eligible telecom and utility bill cashback
Usage-based value1% only on eligible telecom and utility payments made through Standard Chartered BillPay or the published BillDesk route.
Conditions: 1% only on eligible telecom and utility payments made through Standard Chartered BillPay or the published BillDesk route.
Other eligible retail cashback
Usage-based value1% on other eligible non-fuel retail purchases.
2% cashback on modeled online-shopping spend, capped at ₹1,000 per statement
Shown without a cash value1% cashback on other eligible retail spend, capped at ₹500 per statement
Shown without a cash valueCashback is redeemable as statement credit through Rewards360
Shown without a cash value
Fees · 1 item
Annual card fee
Cost ₹499₹499 annual fee before applicable tax.
Fee waiver · 3 items
Annual fee waiver
Usage-based · up to ₹499Annual fee may be waived after ₹1,20,000 of eligible annual spending.
Conditions: Reach ₹1,20,000 eligible annual spending
Current special offer waives the ₹499 joining fee for eligible new customers; existing Standard Chartered cardholders are excluded
Shown without a cash value₹499 renewal fee waived at ₹1.2 lakh annual spend
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. Standard Chartered does not publish one universal numeric income threshold for Smart Credit Card.
Other benefits · 2 items
Eligible transactions may be converted to three-month EMI at 0.99% monthly interest with no processing fee
Shown without a cash valueUp to 90 days of interest-free credit under the product’s extended repayment arrangement, subject to timely minimum payments and issuer terms
Shown without a cash value
Other categories (12)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Welcome benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Spend milestones
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Airport lounge access
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Insurance and protection
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Fuel benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ 2% cashback on modeled online-shopping spend, capped at ₹1,000 per statement
- ✓ 1% cashback on other eligible retail spend, capped at ₹500 per statement
- ✓ ₹499 renewal fee waived at ₹1.2 lakh annual spend
- ✓ Cashback is redeemable as statement credit through Rewards360
What to watch
The broad questionnaire cannot distinguish online versus offline execution inside every category, so only the online-shopping category receives 2%; other categories use the conservative 1%. Cashback redemption starts at ₹2,500 and then uses ₹1,000 increments.
Recorded exclusions
Fuel Commute · Cash withdrawal · Fees charges
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 24 Sept 2026