Standard Chartered Smart Credit Card
Updated on August 26, 2026
🎖️Reward Rate
Base Rewards: 2% Cashback per ₹100 (2% flat cashback on all online retail transactions (max cashback ₹1,000 per month))
Overview
Standard Chartered Smart Credit Card by Standard Chartered Bank provides premium value tailored for Entry Level cardholders.
Rewards
Reward Type
Cashback
Reward Rate
- • Base Rewards: 2% Cashback per ₹100 (2% flat cashback on all online retail transactions (max cashback ₹1,000 per month))
- • 1% Cashback per ₹100 (1% flat cashback on all offline retail transactions (max cashback ₹500 per month))
- • Accelerated Rewards: 2% flat cashback on all online spends with no merchant lock-in (capped at ₹1,000/month). Extended 0.99% per month EMI interest rate for first 90 days.
- • Excluded Categories: Fuel, Rent, Wallet loads, Jewellery
Welcome Benefit
₹500 cashback upon retail spends of ₹10,000 or more within first 30 days of card setup; Qualification Criteria: Spend ₹10,000 within first 30 days; Fulfillment Timeline: 60 days post transaction qualification
Milestone Benefit
Spend ₹1.2 Lakhs (Annual): Annual fee waiver of ₹499 + GST; Annual Fee Waiver: Spend ₹1,20,000 or more in preceding year for annual renewal fee waiver
Redemption
Automatic monthly cashback credit directly to card statement
Benefits
- Fuel Surcharge Waiver: 1% (Max waiver ₹200 per month)
- Special Low EMI Interest Rate: Special promotional EMI interest rate of 0.99% per month with zero processing fee for the first 90 days of card issuance. (0.99% p.m. EMI for first 90 days) [Partners: Standard Chartered]
Things to Know Before you apply
Standard Chartered Smart Credit Card Eligibility Criteria
- Age: 21–65 years
- Net Annual Income ₹3,00,000+ (Salaried min ₹25,000/month)
- Salaried & Self-Employed Individuals
- Resident Indian
Standard Chartered Smart Credit Card Customer Care
- Toll Free: 1800 1200
- Landline: +91 22 6600 6600
- Concierge Service: customer.care@bank.com
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹499 |
| Annual Fee | ₹499 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 3.0% (min ₹300) |
Fee waiver: Spend ₹1,20,000 or more in preceding year for annual renewal fee waiver
PaisaSimple Review
Overall Rating
4.9/5What do we like about this card?
Standard Chartered Smart Credit Card issued by Standard Chartered Bank is one of India's leading credit cards for Entry Level spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 2% Cashback per ₹100 (2% flat cashback on all online retail transactions (max cashback ₹1,000 per month))
- • 1% Cashback per ₹100 (1% flat cashback on all offline retail transactions (max cashback ₹500 per month))
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹499
- • Reward exclusion on fuel purchases and wallet load transactions
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- • ₹500 cashback upon retail spends of ₹10,000 or more within first 30 days of card setup
- • Qualification Criteria: Spend ₹10,000 within first 30 days
- • Fulfillment Timeline: 60 days post transaction qualification
- • 100% cashback up to ₹500 on first utility bill payment completed via Google Pay within 45 days of card issuance (effectively offsetting the ₹499 joining fee).
- • 499 NeuCoins upon payment of membership fee and card activation within 30 days
- • Qualification Criteria: Fee realization
- • First spend on Tata Neu app within 30 days
- • Fulfillment Timeline: Credited within 30 days of spend condition fulfillment
- • Base Rewards: 2% Cashback per ₹100 (2% flat cashback on all online retail transactions (max cashback ₹1,000 per month))
- • 1% Cashback per ₹100 (1% flat cashback on all offline retail transactions (max cashback ₹500 per month))
- • Accelerated Rewards: 2% flat cashback on all online spends with no merchant lock-in (capped at ₹1,000/month). Extended 0.99% per month EMI interest rate for first 90 days.
- • Excluded Categories: Fuel, Rent, Wallet loads, Jewellery
- • 5% cashback on utility bill payments & recharges via Google Pay (capped at ₹500/month)
- • 4% on Swiggy, Zomato & Ola (capped at ₹500/month)
- • 1.5% unlimited flat cashback on all other eligible retail transactions.
- • Base Rewards: 1% NeuCoins per ₹100 (1% NeuCoins on all non-Tata brands and RuPay UPI merchant transactions)
- • Accelerated Rewards: 2% NeuCoins on Tata Neu app + 5% NeuPass benefits (total 7% value) across Tata brands
- • Excluded Categories: Fuel, Wallet load, Rent
- • Base Rewards: 2% Cashback per ₹100 (2% flat cashback on all online retail transactions (max cashback ₹1,000 per month))
- • 1% Cashback per ₹100 (1% flat cashback on all offline retail transactions (max cashback ₹500 per month))
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • • 5% cashback on utility bills & mobile recharges via Google Pay (capped at ₹500/month)
- • • 4% cashback on Swiggy, Zomato & Ola (capped at ₹500/month)
- • • 1.5% unlimited flat cashback on all other transactions with no upper ceiling
- • • No reward redemption fee — cashback is automatically credited to credit card statement
- • • Low annual fee of ₹499 easily waived at ₹2 Lakh annual spend
- • • 4 complimentary domestic airport lounge visits per calendar year
- • Base Rewards: 1% NeuCoins per ₹100 (1% NeuCoins on all non-Tata brands and RuPay UPI merchant transactions)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Annual renewal fee of ₹499
- • Reward exclusion on fuel purchases and wallet load transactions
- • • 5% utility cashback requires an Android device with Google Pay
- • • Rent (MCC 6513) and wallet loads (MCC 6540) do not count toward fee-waiver spend
- • • New 1% surcharge on utility spends exceeding ₹25,000/cycle and wallet loads above ₹10,000/cycle
- • • Standard 3.5% foreign currency markup plus 3.5% DCC markup
- • Annual renewal fee of ₹499
- • Reward exclusion on fuel purchases and wallet load transactions