Standard Chartered Smart Credit Card

Standard Chartered · ₹499 a year · fee waived on ₹1,20,000 of annual spend

A simple cashback card: 2% online and 1% everywhere else, both with monthly caps.

Base rate: 0% cashback.

What the bank says

• 2% cashback on online spends, up to Rs 1,000 a month
• 1% cashback on other spends, up to Rs 500 a month
• Cashback up to INR 18,000 a year
• Renewal fee reversed on spends of INR 1,20,000 or more in the previous year

Where it pays more

• 2% on online spends, which we take to include your online shopping, food delivery and travel bookings
• 1% on other spends

Things that catch people out

• Both cashback rates are capped: ₹1,000 a month online and ₹500 a month on everything else.
• Fuel earns no cashback.
• The ₹499 joining fee is currently waived for new customers as a special offer.
• Standard Chartered charges a 1% processing fee on rent paid by card.

Joining fee: ₹499. Foreign currency markup: not published.

Read from Standard Chartered’s own page on 2026-09-16.

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