Standard Chartered Smart credit card
Standard CharteredVisaCashback

Smart credit card

2% cashback online and 1% offline with a low fee and easy waiver.

42
Personal score42/100● Weak fit
Recurring net savings₹4,298/yrafter fee, GST and caps · bills paid in full
First-year value₹3,710no welcome offer, ₹589 joining fee
Effective savings rate1.3%on ₹3,26,640 card spend · 6% = full marks
Annual fee (incl. GST)Waived ₹589waiver at ₹1,20,000 spend
Lounge access✈ noneyou can use 0 of your visits
PersonaliseOfficial page ↗

Source: Standard Chartered – Smart product page · last reviewed 2026-09-12

Estimates for Typical Indian cardholder (₹32k/month) example profile · bills paid in full · first-year offers shown separately.

Why it fits – and what to watch

hover any tile for the detail
₹3,024/yr2% on online spends (cap ₹1,000/mo)
Waived₹589 fee
0/2lounge visits covered
1/1lifestyle perks matched
₹36,000earns nothing (fuel)

! No usable lounge access although you asked for it.

Where the money comes from

₹4,298/yr · 1.3%
2% on online spends (cap ₹1,000/mo)on ₹1,51,200₹3,024
Base rate 1% on other spendson ₹91,440₹914
Excluded categories (no rewards)on ₹84,000₹0
Fuel surcharge waiver₹360

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How the score of 42 is built

weights total 100% · methodology
Net savings rate22/100 × 55%12.1
Usable lounge access0/100 × 15%0.0
Redemption flexibility100/100 × 10%10.0
Lifestyle fit100/100 × 10%10.0
Simplicity100/100 × 5%5.0
Fee safety100/100 × 5%5.0

Airport lounges with this card

This card has no complimentary lounge access. Find cards that get you in →

Card facts

💳 Base earn1%value on eligible spend
⚡ Accelerated2% 2% on online spends
🚫 No rewards onfuelrentutilitiesinsuranceeducation
🏷️ Fees₹589/yr incl. GSTwaived on ₹1,20,000 spend · joining ₹499
🎁 Welcome (year 1)none
🏁 Milestonesnone
✈️ Lounge✈0 dom🌏0 intlNone
🌏 Forex markup3.5%+ GST on the markup
🔁 Redemption₹1/Cashback ★★★★★Credited to statement.
🧩 Simplicity★★★★★set and forget
🎯 Lifestylefuel waiver
🪪 EligibilityIncome ₹3L+/yr

At a glance

  • Simple cashback
  • Cheap
  • 90-day 0% EMI
  • Caps
  • No lounge
  • SBI Cashback pays more online

Community Q&A on the Smart

Threaded questions from cardholders · the Advisor can add a computed answer.

Loading discussion…

Frequently asked questions

What is the annual fee of the Standard Chartered Smart?

Joining fee ₹499 and renewal fee ₹499, plus 18% GST (₹589 a year). The renewal fee is waived if you spend ₹1,20,000 in the card year.

Does the Smart give airport lounge access?

No lounge access. None.

How much can I save with the Smart?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹4,298 a year, an effective savings rate of 1.3% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the Smart's reward exclusions and caps?

No rewards on fuel, rent, utilities, insurance, education. 2% on online spends (cap ₹1,000/mo): capped at ₹1,000 a month

Sources

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology.