Standard Chartered
Standard Chartered SmartMiles Credit Card
Travel Mastercard with miles on every spend and lounge access
₹1,500/yr annual fee · 4x rewards
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
-
Best for
- Frequent traveller
- International spender
- Air miles optimiser
-
What we like
- 4x miles on international spend
- Domestic + international lounge access
- Air miles conversion to partner airlines
-
Watch out for
- ₹1,500 non-waiver joining fee
- Standard 3.5% forex markup
- Spend threshold of ₹1.5 lakh/year required to waive annual fee
Annual fee
₹1,500/yr
Reward rate
4x
Min. income
₹5,00,000
Forex markup
3.5%
Lounge access
Domestic + international
Eligibility
₹5 lakh/yr · CIBIL 720+
Reward cap
Not explicitly stated
Welcome benefit
₹1,000 voucher on annual spends ≥ ₹1,50,000; ₹3,000 voucher on ≥ ₹4,00,000.
Standard Chartered SmartMiles Credit Card review: travel-focused Mastercard with high miles on every spend, complimentary domestic + international lounge access, and milestone vouchers for frequent flyers.
Who is this for
- Frequent traveller
- International spender
- Air miles optimiser
What we like
- 4x miles on international spend
- Domestic + international lounge access
- Air miles conversion to partner airlines
Watch out for
- ₹1,500 non-waiver joining fee
- Standard 3.5% forex markup
- Spend threshold of ₹1.5 lakh/year required to waive annual fee
Issuer
Headquarters
Mumbai, Maharashtra
Established 1858
Website
www.sc.com/inStandard Chartered is an RBI-regulated entity. See RBI's Master Directions on Credit Cards for the regulatory framework.
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹1,500 | Not waivable |
| Annual fee | ₹1,500 | Waived on annual spends ≥ ₹1,50,000 |
| Renewal fee | ₹1,500 | Waived on annual spends ≥ ₹1,50,000 |
| Forex markup | 3.5% | Not waivable |
| Late payment | ₹1,000 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel transactions between ₹400 and ₹4,000 (max ₹500/month) |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 4 Reward Miles per ₹150 on international spend; 2 Reward Miles per ₹150 on domestic retail; 1 Reward Mile per ₹150 on… | Not explicitly stated | Redeemable as air miles via SC rewards portal; conversion to partner airlines (Singapore Airlines, AirAsia, etc.) |
| TRAVEL | 4.00 | — | 1 mile ≈ ₹0.50–₹1.00 |
| DINING | 2.00 | — | 1 mile ≈ ₹0.50–₹1.00 |
| SHOPPING | 2.00 | — | 1 mile ≈ ₹0.50–₹1.00 |
Benefits
-
4x Miles on International Spend Highlight
4 Reward Miles per ₹150 on international spend — high earn rate for travellers.
-
Domestic + International Lounge Access Highlight
4 complimentary domestic + 2 international lounge visits per year.
-
Milestone Vouchers
₹1,000 voucher on annual spends ≥ ₹1,50,000; ₹3,000 voucher on ≥ ₹4,00,000.
-
Fuel Surcharge Waiver
1% surcharge waiver on fuel transactions between ₹400 and ₹4,000.
Eligibility
- Age
- 21–65 years
- Min. income
- ₹5,00,000
- Min. credit score
- 720+
- Score note
- Good credit card required
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar (DigiLocker sufficient), salary slip / ITR for self-employed
Standard Chartered SmartMiles Credit Card is the travel-focused Mastercard from SC. It targets frequent flyers with high miles on international spend and air-miles conversion.
Fees and rewards
- Joining fee: ₹1,500 (non-waiver)
- Annual fee: ₹1,500, waived on annual spends ≥ ₹1,50,000
- Rewards: 4 Reward Miles per ₹150 on international; 2 Reward Miles per ₹150 on domestic retail
- Forex markup: 3.50%
Travel benefits
- 4x miles on international spend
- 4 domestic + 2 international lounge visits per year
- ₹1,000 milestone voucher on ₹1.5 lakh spend; ₹3,000 on ₹4 lakh
- Air miles conversion to Singapore Airlines, AirAsia, etc.
Eligibility
Minimum annual income ₹5,00,000 (salaried) / ITR-based for self-employed. Good credit score required.
Card data is compiled from the issuer’s published fee schedules. Last reviewed 2026-09-26.
Step-by-step application guide: Read the Standard Chartered SmartMiles Credit Card apply walkthrough →
Apply for Standard Chartered SmartMiles Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
You may also like
Cards with similar benefits, rewards, or eligibility requirements.
Frequently asked questions
Is the Standard Chartered SmartMiles Credit Card worth it?
What is the annual fee for the Standard Chartered SmartMiles Credit Card?
How does the Standard Chartered SmartMiles Credit Card reward rate work?
What are the eligibility requirements for the Standard Chartered SmartMiles Credit Card?
Does the Standard Chartered SmartMiles Credit Card offer airport lounge access?
← All credit cards · All Standard Chartered cards · All Mastercard cards
Disclaimer: Card details are based on publicly available issuer schedule of charges. Eligibility and approval are at the issuer’s sole discretion. FinWiz24 does not guarantee card approval or specific terms. Always read the issuer’s terms and conditions before applying.
FinWiz24 may earn a commission from issuer referral links, at no extra cost to you. Our editorial content is independent and not influenced by compensation.