Standard Chartered Smart Credit Card
Simple, smart, and rewarding — cashback on every swipe.
Network: Visa | Type: Cashback | Reward: Cashback
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Fees & Charges
- Joining Fee: ₹499 + GST
- Annual Fee: ₹499 + GST
- Waiver: Waived on ₹1.2L annual spend
- Foreign Markup: 3.5% + GST
- Fuel Surcharge: 1% waived on fuel spends between ₹400–₹4,000 (max ₹250/month)
- Redemption Fee: Nil — cashback is auto-credited
- Late Payment Fee: ₹100–₹1,200 based on bill amount
- Interest Rate: 3.75% per month (45% p.a.)
- Cash Advance: 3% or ₹300, whichever is higher
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.
Rewards & Earnings
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2% cashback on all online transactions
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1% cashback on all offline spends
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Cashback is capped at ₹1,000 per month
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Cashback auto-adjusted in billing statement
Cashback is auto-adjusted in the billing cycle — no manual redemption needed
Benefits
- Welcome:
₹2,000 cashback on spending ₹20,000 in the first 90 days (for select campaigns)
- Milestone:
None beyond the welcome offer and cashback structure
- Renewal:
Annual fee reversal on spending ₹1,20,000 per year
- Lifestyle:
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.
Pros & Cons
✅ Pros
2% cashback on all online transactions
Simple, automatic cashback credit — no redemptions
Fee waiver at just ₹1.2L annual spend
❌ Cons
Cashback capped at ₹1,000/month
No lounge access or premium perks
No cashback on fuel, rent, wallet or EMI spends
Eligibility & Application
Eligibility:
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Age: 21–60 years
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Indian resident
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Minimum ₹3L annual income
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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
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.
User Reviews
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