Standard Chartered Bank credit card
Standard Chartered Smart Credit Card
Simple, smart, and rewarding — cashback on every swipe.
Credofly overview
Is Standard Chartered Smart Credit Card right for you?
The SC Smart Card is a great fit for first-time card users looking for no-fuss cashback. While it doesn’t offer lifestyle perks, it gives real savings on everyday online spends and is waived at low spend threshold.
2% cashback on online spends and 1% on offline, with a maximum cashback cap of ₹1,000 per month.
What it costs
Fees & charges
Earning & redeeming
Rewards, made clear
-
2% cashback on all online transactions
-
1% cashback on all offline spends
-
Cashback is capped at ₹1,000 per month
-
Cashback auto-adjusted in billing statement
How you can redeem
Cashback is auto-adjusted in the billing cycle — no manual redemption needed
EMI Transactions, Insurance, Wallet, Rent, Education, Fuel, Government Spends, and Tax Payments
<p>No cashback on fuel, rent, wallet loads, government or education transactions. Cashback also not applicable on EMI conversions or utility bill payments via third-party apps.</p>Beyond rewards
Benefits that matter
Welcome offer
₹2,000 cashback on spending ₹20,000 in the first 90 days (for select campaigns)
Milestone benefits
None beyond the welcome offer and cashback structure
Renewal benefits
Annual fee reversal on spending ₹1,20,000 per year
Card benefits
-
2% on all online transactions
-
1% on offline transactions
-
Simple cashback model
-
Auto credit to statement
-
Lifetime free with select campaigns
-
1% fuel surcharge waiver
Our independent take
Credofly review
The Standard Chartered Smart Credit Card is one of the most beginner-friendly cashback cards in India. It offers 2% cashback on online purchases, including your favorite shopping platforms, OTT subscriptions, and food delivery apps. You also earn 1% on offline purchases, covering a wide range of retail categories.
There’s no complex rewards tracking or redemption — cashback is directly adjusted in your billing statement. The monthly cap of ₹1,000 is reasonable for light to moderate spenders. For someone spending ₹20,000–₹30,000 per month, this card will yield consistent cashback returns.
It’s especially suitable for users building credit history or as a backup card for focused online spends. While it doesn’t offer lounge access or milestone rewards, it compensates with reliability and cost-efficiency.
The Standard Chartered Smart Credit Card is an ideal daily cashback card for digital-first users. It provides flat rewards, a low annual fee that can be waived, and effortless cashback credit. Perfect for students, new professionals, or budget-conscious shoppers, this card earns its place in the wallet through sheer simplicity and usefulness. Not flashy — just effective.
Why we like it
This card’s simplicity is its superpower — no tracking points or confusing redemption. It’s a great starter card for everyday cashback seekers.
Strengths
- <p>2% cashback on all online transactions</p>
- <p>Simple, automatic cashback credit — no redemptions</p>
- <p>Fee waiver at just ₹1.2L annual spend</p>
Watch-outs
- <p>Cashback capped at ₹1,000/month</p>
- <p>No lounge access or premium perks</p>
- <p>No cashback on fuel, rent, wallet or EMI spends</p>
Before you apply
Eligibility & application
Eligibility
-
Age: 21–60 years
-
Indian resident
-
Minimum ₹3L annual income
-
CIBIL score above 700 preferred
How to apply
Apply online via Credofly in just 2 minutes:
✅ Fill basic details
✅ Submit PAN + Aadhaar
✅ Finish video KYC
✅ Get card in 5–7 working days
Your questions answered
FAQs
Is the cashback capped on the SC Smart Card?
Yes, maximum cashback is ₹1,000 per month across all spends.
Can I get this card if I am a student?
Only if you have a regular income or fixed deposit — this card requires income proof.
How is the cashback credited?
It is auto-adjusted in your monthly bill — no action needed.
Are wallet spends included in cashback?
No, wallet loads, rent, and EMI transactions are excluded.
How can I get the joining fee waived?
The ₹499 fee is reversed if you spend ₹1.2L in a year.
Is there any dining or lounge benefit?
No — this is a no-frills cashback card with no lifestyle perks.
Is this a Visa or Mastercard card?
It is currently issued on the Visa platform.
How soon can I expect delivery after approval?
Once approved, the card is usually delivered within 5–7 business days.
From cardholders
User reviews
No Title
Did you find this page helpful?
Why Trust Credofly?
Verified Reviews
Every review is vetted for accuracy and transparency. We show what matters most to real users.
Credofly Score™
Our proprietary score rates cards on 50+ data points across 7 key categories to help you choose better.
SmartCheck™ Verified
Look for the SmartCheck badge — it means our editorial team has manually reviewed and verified the card.
No Hidden Bias
We may earn from affiliate links, but our rankings and reviews are always independent and honest.