All cards / Standard Chartered
Standard Chartered
Standard Chartered Smart Card
Visa
Standard Chartered Smart Card
A straightforward entry-level cashback card - a decent 2% online cashback rate with capped monthly ceilings, cashback also applies to most utility categories (fuel excluded), and a 90-day grace period for new cardholders.
Annual fee
₹499
Joining fee
₹499
Reward type
cashback
Base reward rate
1%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in online shopping, utilities. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
- Domestic lounge access: No complimentary domestic lounge access
- International lounge access: No complimentary international lounge access
Benefits by category
- 🛍️ Shopping
2% reward rate (capped ₹1,000/monthly)
- 🧾 Utilities
1% reward rate (capped ₹500/monthly)
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,20,000
- Rewards redemption fee: Cashback credited automatically to the statement; no redemption fee
- Foreign currency markup: 3.5%
- Interest rate: 41.88% p.a.
- Cash advance charges: 2.5% of the withdrawn amount or ₹500, whichever is higher
Benefits
- 2% cashback on online spends (cap ₹1,000/month) and 1% on other spends including most utilities (cap ₹500/month)
- Extended interest-free period of up to 90 days for first-time cardholders
- 0% processing fee on 3-month EMI conversions at 0.99%/month
Pros
- + 2% cashback on online spends
- + Cashback on most utility categories, unlike many entry cards
- + Low fee, easy to waive
Cons
- − Cashback capped fairly low (₹1,000/month online, ₹500 other)
- − No fuel cashback