Annual fee₹499+ GST
Forex markup3.5%
Interest3.75%a month
NetworkVisa
You earn
Perks & rules
What changed
21 Aug 2024Cashback caps now apply per statement cycle and are shared by primary and add-on cards
1 May 2024Minimum cashback redemption raised to ₹2,500, then in steps of ₹1,000
1 May 2024Late payment charges revised to ₹100–₹1,200 by balance
Worth it?
See what it pays back on your spending, after the fee.Run the numbers
All the fine printEvery detail from the bank's documents, in one place
How you earn
Rewards asCashback
Base rate1% on offline (non-online) spends
Higher rates
- Online: 2% on online spends
Limits
- Online: up to ₹1,000 per statement cycle
- Offline: up to ₹500 per statement cycle
- Caps are shared by the primary and add-on cards together
Doesn't earn on
- Fuel, cash advances, fees and charges, returned or disputed purchases
- Bill payments via BillDesk or StanChart Bill Pay, except telecom and utility (electricity, water, gas) billers
Where it landsBuilds up on the bank's 360° Rewards portal; once you redeem it, it reaches your card account within 3 working days
What a point is worth
Value₹1 of cashback = ₹1 off your card bill
ExpiryNot stated in the documents read
Redemption feeNo fee for cashback redemption; minimum ₹2,500, then in steps of ₹1,000
Welcome benefit
WelcomeNone stated
Milestones
MilestonesNone stated
Airport lounges
DomesticNone
InternationalNone
Fuel
FuelNo fuel surcharge waiver stated; fuel surcharge is 1% or ₹10, whichever is higher, and fuel earns no cashback
Spending abroad
Forex markup3.5%
Fees
Joining fee₹499 + GST, waived as a special offer (not for existing Standard Chartered cardholders)
Annual fee₹499 + GST from the second year
Fee waiverRenewal fee reversed on ₹1.2 lakh spend in the previous year
If you pay late
Late fee₹100–₹1,200 depending on balance (nil up to ₹100); +₹100 if minimum due missed 2 months in a row
Interest3.75% a month (45% a year)
Cash withdrawal3% of the amount, minimum ₹300
Who can apply
Age21–65 years
SalariedStable monthly income; no amount stated
Self-employedStable monthly income; no amount stated
More perks
Perks
- Interest-free period extended for the first 90 days after issue if you pay the minimum due on the first 3 statements
- 3-month EMI at 0.99% a month with no processing fee on eligible spends of ₹2,000+
Sources
Everything on this page comes from these bank documents. Tap any box above for the full wording.
- Smart Credit Card product page Product page · 2 Oct 2026
- Smart Credit Card Terms and Conditions Card T&C · 2 Oct 2026
- Smart Credit Card FAQs FAQ · 2 Oct 2026
- Credit card tariffs and charges Fee schedule · 2 Oct 2026
Card image: Standard Chartered's own website.
