Standard Chartered Bank
Standard Chartered Smart Credit Card
Cashback
₹499 + GST
₹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: VisaReward Details
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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
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
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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
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.
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