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Last updated: 01-06-2026
Standard Chartered Smart Credit Card
Standard Chartered Bank

Standard Chartered Smart Credit Card

"Standard Chartered's best cashback card โ€” 2% unlimited cashback on ALL online spends with no merchant restrictions, auto-credited as statement credit"

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Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น499 + GST
๐Ÿ”„ Renewal Fee
โ‚น499 + GST
Waived: Annual fee waived on spending โ‚น1.2 lakh or more in the membership year
๐ŸŽฏ Best Suited For
Online shoppers wanting simple unlimited cashback with no merchant restrictions or categories to track; those who prefer Standard Chartered's banking relationship and want clean direct statement cashback
๐ŸŽ Reward Type
Direct Cashback โ€” auto-credited as statement credit; no reward points or redemption portal
๐ŸŽ‰ Welcome Benefit
Check current welcome offer on Standard Chartered India website
๐Ÿ’ฐ Reward Rate
2% unlimited cashback on ALL online spends โ€” no cap, no merchant restrictions, no category exclusions (within eligible spend types); auto-credited to statement; 1% unlimited cashback on all offline and in-store retail; excludes fuel, utilities, EMI, cash, government, rent, wallet loads
โœˆ๏ธ Lounge Access
No complimentary domestic or international airport lounge access
๐Ÿ’ต Cashback Rate
2% unlimited on all online spends; 1% unlimited on all offline spends
โญ Rate this Card
Click to rate
โœ… Pros
  • 2% unlimited cashback on ALL online spends โ€” no merchant restrictions, no categories
  • 1% unlimited cashback on all offline spends
  • Cashback auto-credited โ€” zero effort
  • Low โ‚น499 fee with achievable โ‚น1.2L waiver
  • No partner restrictions or category caps to worry about
โŒ Cons
  • No airport lounge access
  • High forex markup 3.5%
  • Select city availability โ€” not fully pan-India
  • High interest rate 3.75% per month
  • High cash advance fee 3%

๐ŸŽ Rewards & Benefits

Reward Type
Direct Cashback โ€” auto-credited as statement credit; no reward points or redemption portal
Welcome Benefits
Check current welcome offer on Standard Chartered India website
Reward Rate
2% unlimited cashback on ALL online spends โ€” no cap, no merchant restrictions, no category exclusions (within eligible spend types); auto-credited to statement; 1% unlimited cashback on all offline and in-store retail; excludes fuel, utilities, EMI, cash, government, rent, wallet loads
Reward Redemption
Cashback automatically credited as statement credit โ€” no redemption needed, no portal, no effort
Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations
Lounge Access
No complimentary domestic or international airport lounge access
Spend Based Fee Waiver
Annual fee waived on โ‚น1.2 lakh annual spend
Milestone Benefits
Annual fee waiver on โ‚น1.2 lakh spend; continuous unlimited cashback is the primary benefit
Other Benefits
2% cashback on ALL online spends โ€” no merchant restriction; no category exclusions on eligible spend types; contactless payments; EMI conversion; SC Mobile app management

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Zero liability on timely card loss reporting
Add-on Cards
Add-on cards for family
Concierge Services
Details coming soon
Special Offers
2% unlimited online cashback with absolutely no merchant restrictions โ€” best simple online cashback at this fee tier

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น499 + GST
Annual Fee / Renewal Fee
โ‚น499 + GST
โœ“ Waived on: Annual fee waived on spending โ‚น1.2 lakh or more in the membership year
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.75% per month (45% per annum)
ATM Cash Withdrawal / Cash Advance
3% of withdrawn amount, minimum โ‚น300
Late Payment Charges
As per Standard Chartered prevailing slab
Over Limit Charges
As per Standard Chartered policy
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
High forex markup 3.5%; no lounge access; Standard Chartered has select city availability โ€” not fully pan-India; verify full exclusion list on SC website before applying

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21 to 65 years; salaried or self-employed; minimum annual income โ‚น5 lakh (salaried); Indian resident in eligible cities; Standard Chartered has select city availability
Credit Score Requirement
720+ CIBIL recommended
Credit Limit
Based on income and Standard Chartered credit assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Available on transactions above โ‚น5,000; flexible tenures
Balance Transfer Facility
Available from other bank credit cards
Balance Transfer Interest Rate
As per Standard Chartered prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via SC Mobile app or customer care
Instant Fraud Alerts
SMS and email alerts for every transaction
Purchase Protection
Zero liability on timely card loss reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability after timely reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1800-267-8282 (toll-free); standard helpline on card (24x7)
Chat / Email Support
Chat via Standard Chartered India website and SC Mobile app
Mobile App
SC Mobile app: manage card, track cashback, pay bills, EMI
Online Banking
Full management via Standard Chartered India website and SC Mobile

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:31 PM
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