Credit Cards / Standard Chartered Bank / Standard Chartered Smart Credit Card
Standard Chartered Bank

Standard Chartered Smart Credit Card

Card Type
Cashback
Best Suited For
Joining Fee
₹499 + GST
Annual Fee
₹499 + GST

Card Details

The SC Smart Credit Card is an affordable cashback card ideal for young professionals or first-time credit card users. It offers fixed cashback on all spending with a strong focus on online transactions.

Available Networks: Visa

Reward Details

  • 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

Best Suited For

You will get high Cashback as compared to other credit cards

2% cashback on online spends and 1% on offline, with a maximum cashback cap of ₹1,000 per month.

Milestone Details

None beyond the welcome offer and cashback structure

Reward Redemptions

Cashback is auto-adjusted in the billing cycle — no manual redemption needed

Excluded Spend Categories

You wont get any Cashback for following spend types

Pros of Standard Chartered Smart Credit Card

😊

2% cashback on all online transactions

😊

Simple, automatic cashback credit — no redemptions

😊

Fee waiver at just ₹1.2L annual spend

Cons of Standard Chartered Smart Credit Card

⚠️

Cashback capped at ₹1,000/month

⚠️

No lounge access or premium perks

⚠️

No cashback on fuel, rent, wallet or EMI spends

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.

Application Process

Apply online via Credofly in just 2 minutes:
✅ Fill basic details
✅ Submit PAN + Aadhaar
✅ Finish video KYC
✅ Get card in 5–7 working days

Card Eligibility

  • Age: 21–60 years

  • Indian resident

  • Minimum ₹3L annual income

  • CIBIL score above 700 preferred

Conclusion

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.

User Review Summary

0.0
0.0 out of 5 stars (based on 0 reviews)
Excellent0%
Very good0%
Average0%
Poor0%
Terrible0%

Frequently Asked Questions


User Reviews

There are no reviews yet. Be the first one to write one.

More Standard Chartered Bank Credit Card


Home
Deck
Top Picks
Spark
Circle