Standard Chartered Smart Credit Card

Best For

Dining

Joining Fees

₹0 ( ₹0 + GST )

Not Applicable

Annual Fees

₹589 ( ₹499 + GST )

The annual fee is reversed if total spends reach ₹1,20,000 in the previous card anniversary year.

Age Criteria

21-65 years

Salary Criteria

4 LPA

Credit Rating*

720+

See if you are eligible for this card

Rewards Conversion Rate

1 Reward Point = ₹0.25

Redemption Options

This is a cashback card, and the earned cashback is adjusted directly in your monthly statement.

To check redemption catalogue

N/A

Earn 2% cashback on all online spends, capped at ₹1,000 per month
Earn 1% cashback on all other spends, capped at ₹500 per month (fuel transactions not eligible for cashback)
Total cashback potential of up to ₹18,000 per year (₹12,000 on online + ₹6,000 on offline spends)
Convert eligible transactions into 3-month EMI at special interest rate of 0.99% per month with nil processing fee

You will not earn points / cashback on spends in the following categories

For Points / Cashback Earnings

Fuel

Insurance

For Spends Waiver

Fuel

Insurance

Structure	Details
Forex Markups 3.50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500	3.50%
APR Fees Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid	3.75%
ATM Withdrawl 3% of the withdrawn amount is charged on cash advances using the credit card, subject to a minimum of ₹300.	3%
Reward Redemption Fees A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request.	₹99
Link for all T&Cs	Click Here
Railway Surcharge A railway booking surcharge of 1.80% for online transactions and 2.50% for other bookings is applied, with additional bank charges and taxes recovered at actuals.	1.80%
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges	1%
Cheque Payment Fees A fee of ₹100 is charged for payments made by cheque.	₹100
Cash Payment Fees A fee of ₹299 is charged for payments made by depositing cash at a bank branch or ATM.	₹299

Late Payment Fees Late payment charges apply if the Minimum Amount Due (MAD) is not paid by the due date. Charges are based on the total outstanding amount as per the slab structure above.	Amount Due
₹0 - ₹100	₹0
₹101 - ₹500	₹100
₹501 - ₹5000	₹500
₹5001 - ₹10000	₹700
Above ₹10000	₹1200