Digital-first cashback card

Standard Chartered Smart Credit Card Review

A simple, flat-rate cashback card built for online spenders, with instant video-KYC approval and an extended interest-free period for new cardholders.

Typically waived in subsequent years on a minimum annual spendAnnual fee
3.7/5Editorial rating
Credit CardCard type
Check Eligibility & Apply
At a glance

Quick facts

Low introductory fee, typically waived on a modest spend within 30 days (confirm current offer at application)Joining fee
Typically waived in subsequent years on a minimum annual spend (confirm current threshold at application)Annual fee
Online shoppers who want simple, uncapped flat-rate cashback without tracking bonus categoriesBest for
3.5% currency conversion mark-upForex mark-up

Standard Chartered runs frequent promotional fee structures on this digital-first card, so the exact joining and renewal fee can vary by offer — always check the current terms shown during the application flow before proceeding.

Cost & earn rate

Fees and reward rates

Extended interest-free credit period of up to 90 days for new cardholders.

Fees & charges
ChargeAmount
Joining feeLow, typically waivable — confirm at application
Annual/renewal feeTypically waivable on minimum spend — confirm at application
Forex mark-up3.5% of transaction value
Interest rate3.75% per month (45% APR); 0.99% per month on EMI conversions
Reward rate by category
Spend categoryReward rate
All online spends2% cashback
All other spends1% cashback
Card benefits

What else you get

Instant approval with video KYC, with no physical paperwork in most cases

0.99% per month interest rate on Kuch Bhi on EMI conversions

Extended 90-day interest-free period from card issuance for new cardholders

Contactless payments and standard Standard Chartered digital banking tools

Who can apply

Eligibility

Eligibility
CriteriaRequirement
Age18 to 65 years
Income (salaried)Stable monthly income; many applicants approved digitally with minimal documentation
Income (self-employed)Stable declared business income
Credit historyReasonable credit history; positioned as an accessible entry-level card
ResidencyResident Indian in a Standard Chartered credit card sourcing city

Standard Chartered issues cards only in its credit-card sourcing cities and runs frequent promotional fee waivers — confirm current city availability and exact fee terms on the official Standard Chartered India website before applying.

Our take

Verdict

What works

  • Simple flat-rate cashback with no category tracking required
  • 2% on all online spends is competitive for an entry-level digital card
  • Fast, mostly paperless approval process
  • Useful for someone applying for their first credit card

What to watch for

  • No airport lounge access or premium travel perks
  • Exact fee terms vary by promotional offer, so it needs confirming at application
  • 1% base rate on offline spends is unremarkable
  • No milestone bonuses or category accelerators beyond the online/offline split
Common questions

FAQs

2% cashback on all online spends and 1% cashback on all other spends, applied as a flat rate with no category restrictions or monthly caps mentioned in the card's terms.
Standard Chartered frequently runs promotional fee waivers on this digital-first card, so the exact joining and annual fee can vary — check the live offer shown during your application.
Many applicants get instant approval through video KYC, with little to no physical paperwork required, making it one of the faster cards to obtain in the Standard Chartered lineup.
Smart suits people who want simple flat-rate cashback across all spends, while DigiSmart suits people who concentrate spending on specific apps like Zomato, Myntra and Ola, where it offers deeper category-specific discounts.

Compare more Standard Chartered cards

See the full Standard Chartered India lineup on SearchLocally.in.

View All SC Cards