Standard Chartered Smart Credit Card

  • Joining Fee: Rs. 499 + GST
  • Renewal Fee: Rs. 499 + GST
  • Best Suited For: Shopping
  • Reward Type: Reward Points
  • Welcome Benefites: Extended 90 days interest period from the date of the card issuance date.
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The Standard Chartered Smart Credit Card, which was launched by the SC Bank in January 2022, is a cashback credit card targeted at low-income individuals or people who are just entering the world of credit cards. It comes with a nominal joining fee of Rs. 499, and provides its customers with a longer interest-free period for the first 90 days after card issuance. Talking about its cashback benefits, you earn 2% cashback on all online transactions and a 1% cashback on offline spends. You can earn up to Rs. 1,500 cashback every month using this card, i.e, up to Rs. 18,000 cashback every year. Other than this, you can also save the renewal fee of Rs. 499 by spending Rs. 1,20,000 or more in the previous year. With all these amazing saving benefits, the card can be considered best suited for individuals who spend online very often and want to save more on their purchases. To understand the features & benefits, and fees & charges of the Standard Chartered Smart Credit Card in detail, keep reading:

New Features

Spend Based Waiver

Waiver of renewal fee on the basis of the amount spent using this credit card.

Interest Rates

3.75% per month

Add-on Card Fee


Rewards Redemption Fee


Fuel Surcharge

A 1% fuel surcharge or Rs. 10, higher of the two, will be granted as fuel surcharge waiver.

Foreign Currency Markup

3.5% on all international transactions.

Cash Advance Charges

3% of the cash withdrawn, subject to a minimum of Rs. 300.

Movie & Dining




International Lounge Access


Rewards Rate

Cashback of 2% on online spends and 1% on offline spends



Insurance Benefits


Reward Redemption

The earned cashback is automatically credited to your account.

Domestic Lounge Access


Zero Liability Protection

Zero liability of cardholders in case of any deceitful transaction that takes place through your lost or stolen credit card if the same is reported to the bank in a timely manner.


No data available


No data available

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