Standard Chartered Smart Credit Card: Fees, Rewards & Benefits
Online Shopping card
We may earn a commission if you apply through this link. It never affects our ratings.
The SC Smart is a simple cashback card giving 2% on online spends (capped 1,000/month) at full value, with a waivable INR 499 fee and handy EMI/interest-free perks. The monthly cap, lack of lounge access and 3.5% forex markup keep it firmly entry-level.
Online Shopping card
The Bottom Line
The Standard Chartered Smart is built for online shopper and new-to-card emi user. With a ₹499 annual fee that is waived on ₹1,20,000 yearly spend, it offers 2% rewards on online and a welcome benefit worth ₹500. It makes the most sense if your spending matches online shopper and new-to-card emi user.
It earns a base reward rate of 1% and stacks best when your spending lines up with Online Shopper, New-to-Card EMI User. The renewal fee gets easier to justify once you can hit ₹1,20,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealUsers with regular online spends who want simple 2% cashback (up to 1,000/month) and can waive the INR 499 fee at INR 1.2 lakh spend.
Those who value the 90-day interest-free period and low-cost 0.99%/month EMI conversion.
Probably not for
SkipThe 1,000/month cashback cap restricts earnings for high-volume online buyers.
No lounge access and a 3.5% forex markup make it unsuitable for travel.
Is It Worth It For You?
Slide to your typical monthly card spend. We'll do the rest.
Calculate Your Value
Adjust your typical monthly spend by category.
Spend ₹1,20,000 more to waive annual fee
Sign in for personalized estimates based on your actual spending
Reward Rates
Standard Chartered Smart offers 1% basic reward rate.
Quick Calculator
Estimate earnings for a specific purchase
Welcome Offer
Amazon Pay voucher worth INR 500 on activating the card and spending a minimum of INR 2,000 during the offer period.
Milestone Benefits
Annual/renewal fee of INR 499 reversed on spends of INR 1,20,000 or more in the preceding year.
Fees & Charges
Eligibility
- Min Income: ₹3 Lakhs
- Min Credit Score: 750
- Salaried/self-employed age 18-65; min monthly income Rs 25,000; 2% cashback on online, 1% on offline spends.
Exclusions & Terms
Forex markup
- Foreign currency markup
Cash Advances
- Cash/ATM withdrawals do not earn cashback. Cash advance fee of 3% of the withdrawal amount, minimum INR 300.
Frequently Asked Questions
2 data-backed answers from our card database
Ready to apply?
₹499 annual fee. Apply on the Standard Chartered website.
Apply on Standard Chartered →We may earn a commission if you apply through this link. It never affects our ratings.
Explore more on Vyaya
Bank comparisons
Guides & best picks
Browse by category