Standard Chartered Smart Credit Card
Standard Chartered Bank India
Standard Chartered Smart Credit Card
Standard Chartered Bank India
Annual Fee
₹499
Effective Rate
1.00%
Network
MASTERCARD
Point Value
₹1.00/pt
About Standard Chartered Smart Credit Card
Entry-level cashback card. 2% cashback on online spends; 1% on other spends. Low annual fee.
Best For
Pros & Cons
thumb_upPros
- check_circleFuel Surcharge Waiver
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelAnnual fee of ₹499 with no waiver option
- cancelForeign transaction fee applies on overseas spends
Reward Earning Structure
Each point is worth ₹1.00 — an effective return of 1.00% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 2% | 200 pts≈ ₹200 |
| All other spends | 1% | 100 pts≈ ₹100 |
Cashback is credited directly to your statement, reducing your outstanding balance. No redemption required.
Card Benefits
Fuel Surcharge Waiver
1% fuel surcharge waiver at all petrol pumps
~₹2,000/yr value
Fraud Protection
Zero liability on fraudulent transactions
~₹1,000/yr value
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹1,20,000 (ANNUAL)
Annual Fee Waiver – ₹1.2L Spend: Annual renewal fee of ₹499 waived on achieving spends of ₹1,20,000 or more in the preceding year.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the Standard Chartered Bank India website.
| Annual Fee | ₹499 |
| Forex Markup | As per issuer schedule |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about Standard Chartered Smart Credit Card.
Ready to apply for Standard Chartered Smart Credit Card?
Apply directly on the Standard Chartered Bank India website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.