Joining Fee:
₹499 +GST
Return Percentage:1% to 2%
Credit Card Overview
A Smart card designed for essential categories, offering cashback and lifestyle perks on utilities, groceries, and dining, making it a practical choice for households.
Best Suited For: Cashback
Standard Chartered
Fees and charges at a glance
- Annual fee
- ₹499
- Joining fee
- ₹499
- Reward rate
- 1% to 2%
- Forex markup
- 3.5%
- Interest rate
- 45% p.a.
- Add-on card
- Free
Charged every year you keep the card
Paid once when you get the card, plus GST
Depends where you spend
Extra charge on foreign spends
Only if you don't pay the full bill
An extra card for family
Standard Chartered Smart credit card — Earn Categories
Other categories
- GovernmentGovernment2 Cashback / ₹100
- RentRent · Rent2 Cashback / ₹100
1% charge on this category
Everyday rate
- Base Rewards1 Cashback / ₹100
4 more earning categories on this card
We track all 7 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.
Earns nothing on these
Spends in these categories carry no rewards on this card.
- UPI
- Fuel