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ValueHigh
VerdictTop Tier
VerifiedYes
Rating4.8/5
124 verified reviews
Executive Summary: The Standard Chartered Smart Credit Card by Standard Chartered is a Cashback offering featuring 2% cashback. Key benefits include 2% Online Cashback, 1% Offline Cashback. Most suitable for users seeking Beginners who want a simple...
Standard Chartered
Standard Chartered Smart Credit Card
Data Verified
Last checked: 21 Mar 2026Beginners who want a simple cashback card without merchant restrictions.
A straightforward cashback card offering flat returns on all online and offline spends with no complicated tiers.
ShoppingOnlineCashback
Annual Fee
₹499
Annual fee waived on ₹1.2 lakh annual spend
Cashback
2%
Headline Rate
Forex Markup
3.5%
Standard Rate
Value Calculator
AI Powered
₹25,000
MinMax
Calculations are indicative based on the product's headline rates. Actual benefits may vary based on spend categories and credit profile.
Annual Savings
₹6,000
Based on your 2% cashback rate.
Expert Verdict
"The Standard Chartered Smart card is all about simplicity. Flat 2% online and 1% offline is easy to track and understand. The low fee and easy waiver threshold make it an ideal first or second card for online-first spenders."
Key Privileges
Welcome Benefit90-day interest-free period for first 3 cycles
Fee WaiverAnnual fee waived on ₹1.2 lakh annual spend
Interest Rate (APR)42%
Min. Income₹3 lakh per annum
Start Application
Applying takes less than 5 minutes. You will need your PAN card and Aadhaar details handy.
Simplified Digital KYC
Instant Approval Check
Zero Physical Documentations
By clicking apply, you will be redirected to the official bank portal. CreditBro may earn a commission on successful approvals.
Eligibility Summary
- Min. Credit Score700
- Min. Income₹3 lakh per annum
- EmploymentSalaried/Self