Standard Chartered

Standard Chartered Smart Credit Card

Cashback

Entry-Level

MyBankingTips Rating

Joining Fee: ₹499* Plus Applicable Taxes

Renewal Fee: ₹499*Plus Applicable Taxes

Cashback

Entry-Level

MyBankingTips Rating

Joining Fee: ₹499* + Tax

Renewal Fee: ₹499* + Tax

Cashback

Get 2% cashback on all online purchases made with the card.

Entry-Level

Low annual fee with simple eligibility and approval process.

Check your eligibility For This Card

About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About Standard Chartered Smart Credit Card

Standard Chartered Smart Credit Card is an entry-level cashback credit card that rewards you on almost all your spends, both online and offline, regardless of the brand or platform. It covers a wide range of everyday expenses, including utility bills such as water, gas, telecom, and electricity. The only major exclusion is fuel, where cashback is not offered.

However, this card comes with a joining and annual fee and does not provide any welcome or renewal benefits to offset the cost. It also lacks milestone rewards and fuel surcharge waiver, making it a simple cashback-focused card without additional features.

Other Features and Benefits

Cashback & Benefits

Online Transactions: 2% cashback on online spends (up to Rs. 1,000 per month)
Other Transactions: 1% cashback on offline spends (up to Rs. 500 per month)
Extended Interest-free Period: Enjoy up to 90 days interest-free credit from the date of card issuance
Low-interest EMI Facility: Convert purchases above Rs. 2,000 into EMIs at 0.99% per month with zero processing fee

How to Redeem Cashback

Log in to your Standard Chartered Online Banking and go to 360° Rewards, or login directly at the 360° Rewards portal.
Select your Smart Credit Card from the drop-down menu if you have multiple Standard Chartered cards.
Once redeemed, the cashback will be credited to your credit card account within 3 working days.

Fees and Charges

Fee Type

Amount

Joining Fee

Rs. 499 + Taxes

Annual Fee

Rs. 499 + Taxes

Finance Charges

3.75% p.m. | 45% p.a.

Late Payment Charges

Up to Rs. 100	Nil
Rs. 101 to Rs. 500	Rs. 100
Rs. 501 to Rs. 5,000	Rs. 500
Rs. 5,001 to Rs. 10,000	Rs. 700
Above Rs. 10,000	Rs. 1,200

Things to Know Before you apply

Get this card if:

You mainly shop online and want cashback without being tied to any specific brand.
You want rewards on utility bills, gas, electricity, and other everyday spends.
You prefer a card with a low annual fee.

Eligibility Criteria

Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history

Document Required For Standard Chartered Smart Credit Card

Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

Standard Chartered Smart Credit Card Hilights

What do we like about this card?

2% cashback on online transactions (up to Rs. 1,000 per month)
1% cashback on offline transactions (up to Rs. 500 per month)
Extended interest-free credit period of 90 days on retail spends
Low-interest EMI facility: convert purchases above Rs. 2,000 into EMIs at 0.99% per month with zero processing fee
Cashback redemption via the 360° Rewards portal, credited within 3 working days
Inclusion of utility bills (Gas, Electricity, Water, Telecom) in cashback program

Pros

2% cashback on online transactions
Cashback earned on all brands, no restrictions
Low annual fee
Utility bills (gas, electricity, water, telecom) included in cashback

Cons

No travel-related benefits
Low monthly cap on cashback earnings
Cashback redemption process is not very simple

Standard Chartered Bank Credit Card Contact Details

Contact Address: Standard Chartered Bank, Crescenzo Building, C-38/39, G Block, Bandra Kurla Complex, Bandra (East), Mumbai – 400051, Maharashtra, India
Helpline: 6601 4444 / 3940 4444 (prefix STD code) 1800 345 1000 (Toll-Free)
Simply SMS: SMS CARD to 9980033333 for card details or application

Frequently Asked Questions

Everything you need to know about this credit card

A. The card charges a joining and annual fee of Rs. 499 plus applicable taxes. The fee can be waived by spending Rs. 1.2 lakh or more in a year.

A. Cashback is not earned on fuel transactions, cash withdrawals, or returns/exchange transactions.

A. No, there is no minimum transaction value or spend requirement to earn cashback.

A. No, the 90-day interest-free period is only applicable on retail purchases. Cash withdrawals, loans against credit cards, EMI conversions, and balance transfers are charged separately.

A. No, redeeming the cashback earned via this card does not incur any fees.

A. No, this card does not provide domestic or international lounge access.