Credit Cards · Honest Review
Standard Chartered Smart Credit Card
Standard Chartered Bank · Mastercard
Your Verdict
- ✓6% cashback on online spends (capped ?1,000/month)
- ✓1.5% cashback on all offline spends
- ✓Lifetime free � no annual fee
- ✓1% fuel surcharge waiver
- ✓Cashback credited as statement credit � no redemption hassle
What Standard Chartered Smart Credit Card costs you
Standard Chartered Smart Credit Card is a lifetime-free credit card — you pay zero joining fee and zero annual fee, ever. This makes it a zero-cost card for any spending level.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | Free — ₹0 |
| Joining fee (one-time) | Free — ₹0 |
| Fee waiver condition | Lifetime free � no annual fee |
| Foreign transaction fee (forex markup) | 3.5% per transaction |
What you earn on every rupee spent
Standard Chartered Smart Credit Card earns 1.50% on all eligible spends as a base reward rate, with accelerated rates on online shopping and other bonus categories listed below.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 1.50% |
| 🛒 Online Shopping | 6% (cap ₹1,000/mo) |
?500 cashback on first spend of ?3,000+
Reward types: Cashback
Beyond the reward rate
The non-reward benefits on Standard Chartered Smart Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for Standard Chartered Smart Credit Card
Standard Chartered Smart Credit Card requires a minimum net monthly income of ₹25,000 for salaried applicants and a CIBIL score of 700 or above. It is open to salaried employees and self-employed professionals.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹25,000 |
| CIBIL score | 700+ (good to excellent) |
| Age range | 21–65 years |
| Employment type | Salaried, Self-employed |
| Typical approval time | 5�10 working days |
Who should (and shouldn't) get Standard Chartered Smart Credit Card
- → Heavy spenders on online shopping who want 6% back
- → First-time cardholders who want zero-cost entry
- → Frequent flyers who need airport lounge access
- → International travelers — the 3.5% forex markup adds up quickly
Standard Chartered Smart Credit Card — Questions answered
Is Standard Chartered Smart Credit Card free for life?
What is the minimum income required for Standard Chartered Smart Credit Card?
What is the reward rate on Standard Chartered Smart Credit Card for online shopping?
Does Standard Chartered Smart Credit Card provide airport lounge access?
How long does it take to get Standard Chartered Smart Credit Card approved?
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Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.