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Standard Chartered Smart credit card

Standard Chartered

Standard Chartered Smart Credit Card

Best for dining, lifetime-free

Lifetime free · 2x rewards

Visa Lifetime free

By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review

Annual fee

Lifetime free

Reward rate

2x

Min. income

₹1,50,000

Forex markup

Not published

Lounge access

Domestic + international

Eligibility

CIBIL 650+

Reward cap

Cap on accelerated categories

Welcome benefit

Limited

Who is this for

  • Food & dining spender
  • Fee-averse spender

What we like

  • Unlimited international lounge access
  • Milestone vouchers or extras

Watch out for

  • 3% cash-advance fee

Issuer

Bank

Standard Chartered

Foreign bank

All Standard Chartered cards →

Headquarters

Mumbai, Maharashtra

Established 1858

Toll-free

1800-419-7300

Customer care: 1860-500-1111

Website

www.sc.com/in

Network

Visa

See all cards on this network

Fees and charges

Fee Amount Waiver
Joining fee ₹0 Not waivable
Annual fee ₹0 Lifetime free
Late payment ₹500 Not waivable
Forex markup Not published Not waivable
Cash advance 3% of amount Not waivable
Fuel surcharge 1% 1% surcharge waived on fuel between Rs 400 and Rs 4,000 (max Rs 200/month)

Rewards

Spend category Rate Cap Redemption
All spends 2x on dining/grocery; 1x on others (low caps) Cap on accelerated categories 1 RP = ₹0.25
DINING 10.00 ₹1,000/month 0.25

Benefits

  • Domestic lounge access

    None

  • International lounge access Highlight

    None

  • Milestone benefits Highlight

    Limited

  • Fuel surcharge waiver

    1% waiver

Eligibility

Age
21–65 years
Min. credit score
650+
Employment
Salaried, self-employed, student
Documents
PAN, Aadhaar, income proof

Standard Chartered Smart Credit Card is a VISA credit card from Standard Chartered. It is best suited for dining, lifetime-free.

Fees and rewards

  • Annual fee: Nil
  • Joining fee: Nil
  • Rewards: 2X rewards on dining

Eligibility

PAN, Aadhaar, income proof

Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. High-confidence record. Status: active.

Apply for Standard Chartered Smart Credit Card

Last reviewed · How we review

FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.

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Frequently asked questions

Is the Standard Chartered Smart Credit Card worth it?
Standard Chartered Smart Credit Card is a credit card issued by Standard Chartered. Whether it is worth it depends on your monthly spend pattern and whether the annual fee (if any) is waivable. Compare the fee and reward rate on this page against your expected annual spend to make an informed decision.

What is the annual fee for the Standard Chartered Smart Credit Card?
Standard Chartered Smart Credit Card is a lifetime-free card with no annual or joining fee.

How does the Standard Chartered Smart Credit Card reward rate work?
Standard Chartered Smart Credit Card earns 2x base reward rate on all spends. Each card's rewards tile on this page shows the category-wise multipliers and any monthly or yearly caps.
Show 3 more questions

What are the eligibility requirements for the Standard Chartered Smart Credit Card?
To qualify for Standard Chartered Smart Credit Card, you typically need: CIBIL score of 650+; Salaried / self-employed / student only. The eligibility tile on this page has the full published criteria.

Does the Standard Chartered Smart Credit Card offer airport lounge access?
None

What is the forex markup on the Standard Chartered Smart Credit Card?
Forex markup details for Standard Chartered Smart Credit Card are not published on FinWiz24.

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