Standard Chartered Smart Credit Card
Updated 3 Jul 2026Source-linked
The Standard Chartered Smart Credit Card is a entry credit card from Standard Chartered Bank, with a joining fee of ₹499 + GST.
It earns up to 2% on online spend spends in the form of cashback.
Standard Chartered Smart Credit Card
- Joining Fee₹499
- Annual Fee₹499
- Best Suited ForCashback
- Reward TypeCashback
Rewards Rate
- 2% on online spend (cap 1000 cashback inr / monthly)
- Base 1.00% on other spends
Welcome Benefits
- Not applicable
Data verified 3 Jul 2026 — see our methodology
SCBplatinumentryRewards and Benefits
Rewards Rate
2% on online spend (cap 1000 cashback inr / monthly)
Base 1.00% on other spends.
Reward Redemption
Cashback: Redeem at ₹1 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
- Online shopping₹300/mo
You spend ₹15,000 · earns 2.0% = ₹300 uncapped
- Capped at ₹1,000/mo
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Groceries₹8,000 · 1.0% = ₹80/mo
- Dining & food delivery₹8,000 · 1.0% = ₹80/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 1.0% = ₹100/mo
- Utilities & bills₹5,000 · 1.0% = ₹50/mo
Est.net rewards for this spend, realistic
₹7,320/yr₹7,320 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
Spend-Based Waiver
₹1,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹500 and ₹4,000.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- entry card issued by Standard Chartered Bank.
- Joining / annual fee of ₹499 + GST, waived on annual spends of ₹1,00,000.
- Available on the Visa network.
Pros & Cons
Pros
- Annual fee waivable on ₹1,00,000 spend.
Cons
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
- No complimentary airport lounge access.
Accelerated rewards
- 2% on online spend (cap 1000 cashback inr / monthly)2% cashback on online spends (capped ₹1,000/month); 1% on other spends (capped ₹500/month). Fuel not eligible.
Capping rules
- Total cashback capped at ₹18,000 annually; online 2% ≤ ₹1,000/month, other 1% ≤ ₹500/month.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹500 and ₹4,000.
Sources
- : www.sc.bank.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 720+
- Income (salaried)
- ₹3,60,000 p.a.
- Income (self-employed)
- ₹3,60,000 p.a.