Standard Chartered Smart Credit Card
Mid Range Visa

Standard Chartered Smart Credit Card

Standard Chartered India

★★★½☆ 3.6/5
Apply on Issuer Site →

Opens the issuer’s official application page.

Joining FeeFree / Lifetime Free
Annual Fee₹499
Fee WaiverSpend ₹1.2L/year
Forex Markup3.5% + GST
LoungeNone

Welcome Benefit

None

Earn Rates

2% cashback on all online spend; 1% on offline

Key Highlights

  • Simple flat-rate cashback card with no category restrictions on online spend
  • Very easy annual fee waiver
  • Cashback credited to statement monthly

Lounge Access

None

This card does not include lounge access. Consider a premium card if airport lounges matter to you.

Fuel Surcharge Waiver

1% waiver

Best For

  • Simple cashback seekers
  • First-time credit card users

Not Great For

  • Reward point collectors
  • International travel
Ready to apply for the Standard Chartered Smart Credit Card?

Apply directly on the issuer’s official site.

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Verified: Data last verified 17 June 2026. Sources: sc.com

Frequently Asked Questions

Is there a cap on the 2% online cashback on SC Smart?

The 2% online cashback is capped at ₹1,000/month (i.e., effective on up to ₹50,000 of monthly online spend). Beyond that, the 1% offline rate applies.

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