cashback
Standard Chartered Smart Credit Card
Cashback card for beginners earning 2% online and 1% offline with a 90-day interest waiver.
Annual Fee
₹499 (waived for first-time SC cardholders; renewal waived on ₹1.2L spend/year)
Rewards
2% cashback online (₹1,000/mo cap); 1% offline (₹500/mo cap)
Lounge Access
No
Fuel Waiver
1% or ₹10, whichever higher
Milestone
None
Best For
Low-income individuals, first-time cardholders
Welcome Offer
Extended 90-day interest-free period
Type
Cashback/Entry-level
Description
Launched for low-income individuals and first-time credit users, earning 2% cashback on online spends (capped ₹1,000/month) and 1% on offline spends (capped ₹500/month) — up to ₹18,000 a year. Joining fee ₹499, waived for first-time Standard Chartered cardholders; renewal fee ₹499, waived on ₹1.2L annual spend. Welcome benefit: an extended 90-day interest-free period. Includes a low 0.99% monthly EMI interest rate.
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