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
- • null
- • 499 NeuCoins (reversal of 1st-year membership fee) on the 1st transaction within 30 days of issuance
- • claimable inside the Tata Neu App within 60 days of that transaction
- • NeuCoins valid 365 days from claim date
- • Not applicable to Lifetime Free / First-Year-Free cardholders
- • 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
- • Excluded Categories (rewards): Fuel transactions earn no cashback (explicitly confirmed)
- • Rent and Education aren't listed as reward-excluded here but do incur separate fees (see below)
- • Fuel Transactions — Cashback & GST: GST charged on fuel surcharge is not refundable
- • no cashback is earned on fuel transactions
- • 1% back as NeuCoins on non-Tata brand spends and merchant EMI spends (non-UPI)
- • 2% back as NeuCoins on non-EMI Tata Neu/partner Tata brand spends, plus an additional 5% on selected categories on the Tata Neu App/Website (requires NeuPass registration)
- • UPI: 0.25% back as NeuCoins on eligible UPI spends, plus an additional 0.75% via the Tata Neu UPI ID, capped at 500 NeuCoins/month combined
- • Excluded categories: Fuel, Wallet, Rental, Government, and Online Gaming transactions
- • 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 eligible utility bill payments and DTH/mobile recharges on Google Pay
- • 4% cashback on Swiggy, Zomato and Ola
- • 1.5% cashback on other eligible spends
- • 4 complimentary domestic airport lounge visits per calendar year at select airports
- • 1% fuel surcharge waiver on eligible fuel transactions
- • annual fee waiver on annual spends greater than ₹2,00,000, subject to eligible-spend conditions
- • 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
- • ₹499 annual fee from the 2nd year if the annual-spend waiver condition is not met
- • cashback is not earned on excluded categories such as fuel, rent, education, wallet loads, government services, insurance, gold and jewellery, financial institutions, cash advances and repayments, EMI transactions and card fees
- • 5% utility and recharge cashback is restricted to eligible transactions through Google Pay
- • 4% cashback category is limited to Swiggy, Zomato and Ola
- • foreign currency transaction fee is 3.5%
- • cash withdrawal fee is 2.5% with a minimum of ₹500
- • Annual renewal fee of ₹499
- • Reward exclusion on fuel purchases and wallet load transactions