Standard Chartered Smart Credit Card Review
Online Shopping card
The Standard Chartered Smart has a ₹499 annual fee + GST, waived on ₹1,20,000 annual spend. It earns 1% back on regular spends and up to 2% on Online. Best for: everyday online cashback within the monthly cap — our verdict: recommended.
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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?
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Reward Rates
Standard Chartered Smart offers 1% basic reward rate.
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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
8 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.
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