Standard Chartered Smart
Entry tier alternative, flat 2% on online spends.
External link to Standard Chartered’s own application page.
The Standard Chartered Smart costs ₹499 a year, waived at ₹1,20,000 annual spend. It earns 2% on shopping and 1% on everything else. Forex markup is 3.5%. These figures are from our catalog and have not yet been re-verified against the issuer.
5-year value calculator
How much Standard Chartered Smart actually pays you over time, net of annual fees.
Includes 40% in this card's boost category, 60% general spend.
Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.
What does the Standard Chartered Smart earn?
What you earn back, by category.
₹500 Amazon voucher on first 30-day spend
What do you get with the Standard Chartered Smart?
- 2% cashback on online spends (capped at ₹100/month)
- 1% cashback on offline + bill payments
- 1% fuel surcharge waiver
- Up to 15% off on partner restaurants (EazyDiner)
Who qualifies for the Standard Chartered Smart?
These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.
Standard Chartered Smart FAQ
›What is the Standard Chartered Smart annual fee?
The annual fee is ₹499. It is waived if you spend ₹1,20,000 in a year.
›What does the Standard Chartered Smart earn?
It earns 2% on shopping and 1% on everything else.
›What is the Standard Chartered Smart forex markup?
The Standard Chartered Smart charges 3.5% forex markup on foreign-currency spends.
›What income do you need for the Standard Chartered Smart?
The stated minimum income is ₹2,50,000 a year. Banks treat this as a guideline, not a hard cutoff.
›What is the Standard Chartered Smart welcome bonus?
₹500 Amazon voucher on first 30-day spend.
›Are these Standard Chartered Smart figures verified?
These figures are from our catalog and have not yet been re-verified against the issuer.
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