Standard Chartered Smart Credit Card

Standard Chartered Smart Credit Card

Simple, smart, and rewarding — cashback on every swipe.

2.0

Network: Visa | Type: Cashback | Reward: Cashback

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Standard Chartered Smart Credit Card
Standard Chartered Smart Credit Card
2.0

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

  • 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

Redemption Options:

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:

  • 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

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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07/10/2025

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