Standard Chartered Smart

2% eligible online, 1% eligible other spend. Eligibility, merchant codes and category exclusions can change the actual result.

Where it pays

Standard Chartered advertises 2% cashback on eligible online spend capped at ₹1,000 per month and 1% on eligible other spend capped at ₹500 per month. Fuel excluded; other category and transaction exceptions can apply. ₹499 annual fee plus GST; renewal reversed if preceding-year spend reaches ₹1.2 lakh. A special first-year fee waiver for eligible new customers is not assumed.

Issuer source

https://www.sc.com/in/credit-cards/smart-credit-card/

Checked 27 Sep 2026. Estimates use one spend category repeated monthly; other spends can exhaust shared caps. Verify live terms before applying.