Standard Chartered Smart Credit Card — Rewards, Fees & Value
Standard Chartered · mastercard · entry
Best reward rate
2%
Annual fee
₹499
Type
Cashback
Reward rate by category
Effective value back per ₹100 spent, after our cap-aware audit. Direct cashback.
Key benefits
- 2% cashback on online spends capped ₹1,000/month
- 1% cashback on offline spends (excluding fuel) capped ₹500/month
- Annual fee ₹499, waived on ₹1.2L annual spend
- Zero processing fee on 3-month EMI conversions
See what this card is worth for your spending
Calculate your exact points value, or let the Card Finder check whether the Smart belongs in your stack.
FAQs
What is the reward rate on the Smart credit card?
The Standard Chartered Smart Credit Card earns up to 2% effective value on online shopping and 2% on groceries. Its base rate is about 1%.
What is the annual fee of the Smart?
The Smart has an annual fee of ₹499, waived on annual spends of ₹1,20,000 or more.
Reward data last verified 2026-06-16. Rates and fees change frequently — always confirm on the issuer's website before applying. RewardsAI is an independent tool and not affiliated with Standard Chartered.