Standard Chartered Smart Credit Card
Standard Chartered Bank · Visa
Why this card?
- 2% cashback on online shopping, up to ₹1,000 a month; 1% on other spends
- ₹499 annual fee; renewal fee waived on ₹1.2 lakh yearly spend
Card details
- Issuer
- Standard Chartered Bank
- Network
- Visa
- Annual Fee
- ₹499
- Joining Fee
- None
- Reward Type
- cashback
- Best Reward Rate
- 2% on online shopping (capped at ₹1000/month)
- Forex Markup
- 3.5%
- Domestic Lounge
- None
- Min. Monthly Income
- ₹12,000
- Rates verified
- 2026-10-06
Our verdict
Standard Chartered Smart is a simple cashback card for online shoppers — 2% cashback on online spends (up to ₹1,000 a month) and 1% on other spends (up to ₹500 a month), with fuel not eligible. There is no joining fee, the annual fee is ₹499, and the minimum monthly income is ₹12,000. The statement credit cashback format means no points expiry or redemption hassle.
Pros
- 2% cashback on online spends
- 1% cashback on other spends
- Statement credit format — cashback applied automatically, no points redemption required
- Low ₹499 annual fee, with no joining fee
Cons
- Cashback caps apply — ₹1,000/month on online and ₹500/month on other spends
- No lounge access or travel benefits
- 1% base cashback on other spends is below average, and fuel earns nothing