Standard Chartered Smart
Standard Chartered · Cashback · Statement Credit
This comprehensive guide covers the Standard Chartered Smart's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The Standard Chartered Smart from Standard Chartered offers cashback rewards credited directly to your statement at 2% (up to ₹1,000 per cycle). Top earning categories include 2% cashback on online spends and more. Annual fee is ₹499 (waived above current standard chartered annual spend threshold).
Best for: General Online, Online Retail, Electronics Accessories, Food Delivery
Reward Examples
Spend ₹1,000 on General online → earn ₹20 (2%) · 2% cashback on online spends
Spend ₹1,000 on Dining → earn ₹10 (1%) · 1% cashback on other eligible spends
Official product page → Official rules →
Waiver: Waived above current Standard Chartered annual spend threshold
Reward Rules
- 2% 2% cashback on online spends (cap: ₹1,000)
- 1% 1% cashback on other eligible spends
Important Notes
- Cashback caps and excluded MCCs follow Standard Chartered Smart credit card terms.
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
Standard Chartered Smart vs Similar Cards
- Airtel Axis — 25% top rate · ₹500
- Amazon Pay ICICI — 5% top rate · ₹0
- AU Bank LIT Credit Card — 5% top rate · ₹499
Maximize Your Rewards
To earn the highest rewards, use the Standard Chartered Smart for its bonus categories: General Online, Online Retail, Electronics Accessories, Food Delivery, Travel.