Standard Chartered
Standard Chartered Smart Credit Card
Data Verified
Last checked: 21 Mar 2026Beginners who want a simple cashback card without merchant restrictions.
A straightforward cashback card offering flat returns on all online and offline spends with no complicated tiers.
ShoppingOnlineCashback
Annual Fee
₹499
Annual fee waived on ₹1.2 lakh annual spend
Cashback
2%
Headline Rate
Forex Markup
3.5%
Standard Rate
Expert Verdict
"The Standard Chartered Smart card is all about simplicity. Flat 2% online and 1% offline is easy to track and understand. The low fee and easy waiver threshold make it an ideal first or second card for online-first spenders."
Key Privileges
Welcome Benefit90-day interest-free period for first 3 cycles
Fee WaiverAnnual fee waived on ₹1.2 lakh annual spend
Interest Rate (APR)42%
Min. Income₹3 lakh per annum
Start Application
Applying takes less than 5 minutes. You will need your PAN card and Aadhaar details handy.
Simplified Digital KYC
Instant Approval Check
Zero Physical Documentations
By clicking apply, you will be redirected to the official bank portal. FinanceMacha may earn a commission on successful approvals.
Eligibility Summary
- Min. Credit Score700
- Min. Income₹3 lakh per annum
- EmploymentSalaried/Self