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Last updated: 12 October 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
2% on Online Spends
1% on Offline. Max ₹1000/month.
The privileges that come bundled in, beyond the reward points.
Interest free cash withdrawal for 90 days (One time)
2% Cashback
An honest read on where this card earns its keep — and where it doesn't.
Low fee
Decent online cashback
Cap on cashback
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with Standard Chartered before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how Standard Chartered Smart stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about Standard Chartered Smart fees, reward conversion, lounge access, and application eligibility.
Standard Chartered Smart has an annual fee of ₹499 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "Flat online and offline cashback is an ongoing feature, not an introductory offer.".
Standard Chartered Smart earns Cashback at a primary rate of 2% on Online Spends. Specifically, 1% on Offline. Max ₹1000/month.. Spends in Shopping, Entry Level categories provide the maximum valueback per transaction on this card.
A CIBIL credit score of 700 or above is strongly recommended for approval of Standard Chartered Smart. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
Standard Chartered Smart is issued on the Visa network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
Standard Chartered Smart levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
Standard Chartered Smart currently features a welcome offer: "Flat online and offline cashback is an ongoing feature, not an introductory offer.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Low fee and Decent online cashback. However, keep in mind that Cap on cashback. Overall, Standard Chartered Smart delivers strong value if your regular spending aligns with Shopping, Entry Level.
Standard Chartered Smart is focused on Shopping and Entry Level valueback and does not include unconditional complimentary airport lounge visits as a core benefit. If lounge access is a deciding factor for your travels, consider pairing this with a dedicated premium travel credit card.
You can apply for Standard Chartered Smart directly through Standard Chartered's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
