Standard Chartered Smart Credit Card
Standard Chartered India · Open to apply
A flat cashback card: 2% on online spends (up to ₹1,000 a statement cycle) and 1% on other spends (up to ₹500 a cycle), so at most ₹18,000 a year. Fuel and cash earn nothing. The ₹499 fee is waived in year one as an offer and reversed at ₹1.2 lakh of yearly spend.
- Annual fee
- ₹499 + GST a year
- Joining fee
- ₹499 + GST
- Fee waiver
- Annual fee waived on ₹1,20,000 spend per card year
- Base rate
- Other spends, 1% cashback: 1% cashback (about 1% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 23 Oct 2026
Main earn rates
- Online spends, 2% cashback: 2% cashback (about 2% at cash value)
Earns nothing on
- No cashback on fuel and cash advances
Where the sources disagree
- Cap period: The product page and FAQ say ₹1,000 and ₹500 "per month"; the T&C says per statement cycle. We use the T&C.
- Date the caps moved to client level: The T&C says 21 August 2024; the FAQ says 25 August 2024. We use the T&C.
Terms the calculator does not value
- The caps are held at client level across the primary and supplementary cards from August 2024. The calculator caps one card.
- Bill payments made through BillDesk or StanChart Bill Pay earn cashback only for billers registered as telecom or utilities (electricity, water, gas); other billers paid that way (insurance, for example) earn nothing. The calculator cannot tell the payment route and pays the normal rate.
- Redemptions start at ₹2,500 and move in steps of ₹1,000, so low spenders wait months before cashback reaches the card. The calculator treats cashback as immediate.
- The ₹499 + GST joining fee is waived as a special offer for applicants who do not already hold a Standard Chartered credit card; the offer has no stated end date. The calculator charges the fee; with the offer the first year costs ₹499 + GST less.
- Forex markup for the Smart card is not stated separately; the bank's general 3.5% overseas fee is used.
Sources
- Smart Credit Card product page (Product page, the bank's own, read 20 Oct 2026)
- Standard Chartered Smart card FAQs (FAQ, the bank's own, read 20 Oct 2026)
- Standard Chartered credit card fees and charges (tariffs) (Schedule of charges, the bank's own, read 20 Oct 2026)
- Standard Chartered Smart card feature article (no minimum transaction limit) (FAQ, the bank's own, read 20 Oct 2026)
- Standard Chartered Smart Credit Card Terms and Conditions (dated 30 September 2024) (Reward terms, the bank's own, read 20 Oct 2026)