By: OurMoneyGuide || Last updated on: May 30, 2024

Standard Chartered Smart Credit Card is a cashback card from Standard Chartered, which gives 2% cashback on all online spends, and 1% on all other card spends.

Pros & Cons of Standard Chartered Smart Credit Card


  • Decent flat rate cashback of 2% on all online spends
  • Virtually free card if you spend ₹1.20 lakhs or more each year, and achieve the card spend based annual fee waiver offer.


  • Low reward rate on offline spends

Features & Benefits of the Standard Chartered Smart Credit Card

2% cashback on ‘online spends’ upto ₹50,000 per month (maximum 1000 cashback per month)

You earn ₹2 cashback, on every ₹100 you spend on online purchases. This is valid only on online purchases upto ₹50,000 per month, since the maximum cashback given at this special rate is ₹1000 per month.

Note : For bill payments through Billdesk or StanChart Bill Pay, only transactions on billers registered under the following categories will be eligible for cashback:
– Telecom
– Utilities (electricity, water, gas)

You can see and redeem earned cashback on the Rewards Portal of the Bank called 360 Rewards . Cashback is not credited automatically but needs to be redeemed on the 360 Rewards portal. You can redeem a minimum cashback of ₹1000 for the first time, and then in multiples of ₹500.

For more details, please click here.

1% cashback on all other card spends - on card spends upto ₹50,000 per month (maximum ₹500 cashback per month)

You earn ₹1 cashback, on every ₹100 you spend on all other purchases. This is valid only on online purchases upto ₹50,000 per month, since the maximum cashback in this category is limited to ₹500 per monthly card statement cycle.

Exceptions : The following transactions do not earn any cashback – fuel purchases, returned purchases, disputed or unauthorized/fraudulent transactions, transactions not initiated by the cardholder, finance charges, any other charges and fees, charged back transactions; and cash advances.

Standard Chartered customer care 

Please click here for all the options to contact the bank.

Contactless payment

Look for the contactless network symbol on your card to determine if your credit card is contactless.

In India, contactless payments are allowed for a maximum of ₹5000 for a single transaction without requiring a Credit Card PIN. For transactions equal to or higher than ₹5000, the cardholder must input their Credit Card PIN for security reasons.

Standard Chartered Smart Credit Card Fees and Charges

Annual fee

Annual feeAnnual feeoffers
1st year joining fee₹499Welcome offer : 1st year fee is waived as a special offer, for new customers.
Renewal fee from 2nd year onwards₹499Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹1.20 lakhs or more in the previous year.

Late payment fee

Late payment fees depends on the total payment due

Amount Due
Late Fee
Less than ₹100
₹101 to ₹500
₹501 to ₹5,000
₹5,001 to ₹10,000
₹10,001 to ₹25,000
Over ₹25,000

Interest on overdue balances : 3.75% per month (45% per year)

Fee on international card transactions : 3.50% of transaction value

Important note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – Stanchart Smart Credit Card Fees & Charges

Eligibility Criteria

Minimum agePrimary cardholders : 21 years
Add-on cardholders : 18 years
Maximum age65 years
Occupation Salaried, self-employed
Income requirementsShould have a regular source of income , minimum income not specified
Credit scoreGood credit score, preferably above 750
Place of residenceThe individual should be staying at one of the card sourcing locations of the bank

Application Process

Step-by-step guide

Online Application process
The easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the Standard Chartered Bank website. You can also visit official website of the bank and fill out the application form.

Steps :
– The bank’s website and mobile app offer a user-friendly interface that makes the application process quick and easy.
– To apply, simply provide your personal details, such as your mobile phone number, income, and PAN number, along with the required documents
Offline (face to face)  Application processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process.
Tracking your application status
Click here to track the status of your Standard Chartered Bank Credit Card application.

Necessary documents and verification

Required documents
PAN Card

Identity proof (any One of the following Photo cards): Passport, Voter Id Card, Govt ID, etc.

Address proof (Any One of the following documents with current residence address): Aadhaar Card, Passport, Driving License, Election/Voter’s ID Card, Job card issued by NREGA duly signed by an officer of the State Government, The letter issued by the National Population Register containing details of name, address.

1 recent passport-sized photograph

Financial documents for salaried: Latest one-month salary slip

Financial documents for self-employed :
– Self-employed businessmen : Latest IT Returns with computation of income /certified financials, business continuity proof.
– Self-employed professionals: Latest IT Returns, business continuity proof.