Standard Chartered Smart Credit Card
Fees
₹499 + Taxes
Joining & annual
Reward Rate
2% cashback on online spends (up to ₹1,000/month); 1% on other spends (up to ₹500/month)
Welcome Bonus
Welcome gift benefit on card activation & joining fee payment
Lounge
No Lounge Access
Our Expert Take
The Standard Chartered Smart Credit Card from Standard Chartered offers 2% Online Shopping Cashback & Extended EMIs with an annual fee of ₹499 + Taxes.
Reward limits
Checked 11 Oct 2026 · Bank terms
-
2% on online spends
Max ₹1,000 per month
Reached after about ₹50,000 of spend
-
1% on other spends
Max ₹500 per month
Reached after about ₹50,000 of spend
Where this card earns most
Paying directly in the app or site · 1% on other spends
Pros & Cons
Key Advantages
- 2% cashback on all online spends, capped at ₹1,000/month
- Low-interest EMI conversion at 0.99%/month with zero processing fee
- Up to 90 days interest-free period
- Fee waiver threshold (Annual fee waived on ₹1.2 Lakh annual retail spends)
Limitations
- No airport lounge access
- 1% cashback on other spends is capped at ₹500/month
- Cashback categories are capped monthly, limiting upside for high spenders
Key Perks & Spending Milestones
Accelerated reward earn rate on cashback purchases
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Up to 50 days of interest-free credit period
Zero lost card liability protection
Spend milestone
Annual fee waived on ₹1.2 Lakh annual retail spends
Fees & Charges
Joining fee
₹499 + Taxes
Annual fee
₹499 + Taxes
Annual fee waived on ₹1.2 Lakh annual retail spends
Interest rate
3.5% per month (42% per annum)
Late payment fee
- Up to ₹500
- Nil
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹600
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹900
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹1,300
Insurance & Protection Benefits
air accident cover
Up to ₹50 Lakh
lost card liability
Up to ₹1 Lakh
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹25,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 65 years
Credit score & income
Good (730+)
Frequently Asked Questions
What's the cashback rate on Standard Chartered Smart Credit Card?
Does this card offer lounge access?
Compare Standard Chartered Smart Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| Standard Chartered Smart Credit Card This Card | ₹499 + Taxes | 2% cashback on online spends (up to ₹1,000/month); 1% on other... | No Lounge Access | 4.4/5 |
| Cashback SBI Credit Card | ₹999 + Taxes | 5% cashback on online spends, capped ₹2,000/statement cycle; 1%... | No Lounge Access | 4.7/5 |
| KIWI UPI RuPay Credit Card | Free | Up to 5% cashback on UPI spends via Kiwi Neon program (1.5% base... | Domestic (Neon Spend Milestones) | 4.7/5 |
| Axis Bank ACE Credit Card | ₹499 + Taxes | 5% cashback on Google Pay utilities; 4% on Swiggy, Zomato & Ola;... | 4 Domestic/yr | 4.6/5 |