Standard Chartered Smart Credit Card
SC · VISA★ 4.0/ 5
✓ Details last verified 1 Jan 2025
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Key features
What this card is built to do — the highlights that actually matter.
6% on Online Shopping
6% cashback on all online purchases
2% on Utility Bills
2% cashback on utility bills
💰 CASHBACK STRUCTURE
How much you earn back on each type of spend — no points math required.
6.0%
online shopping cashback
1.0%
Base rate (all other spends)
₹1,000
Monthly cap (accelerated)
- 6% cashback on online shopping
- 1.0% on all other spends — no restrictions
- Accelerated cashback capped at ₹1,000/month
Dhruv buys everything online — gadgets, clothes, groceries. Standard Chartered Smart gives 6% cashback on all online transactions (capped ₹1,000/month), 2% on utility bills. His ₹16,700/month online spend maxes the cap every month — ₹12,000/year cashback on a ₹499/year card. No merchant restrictions, no OTA required.
Who is this for?
For online-heavy spenders who max out the ₹1,000/month cashback cap quickly. If you spend ₹17,000+ online per month, the 6% cap is hit in the first ₹16,700 — after which you earn 1%. At that point, pair SC Smart for the first ₹17K of online spend and use SBI Cashback for the rest.
At a glance
Full reward structure
What you earn on every rupee, per spend category. Rates assume 1 pt = ₹1.00. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Online Shopping | cashback | 6% | ₹1,000 |
| Utility Bills | cashback | 2% | — |
| Other | cashback | 1% | — |
Online Shopping: 6% cashback on all online purchases
Utility Bills: 2% cashback on utility bills
Other: 1% cashback on all other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
Perks & benefits
Estimated annual value beyond rewards.
1% fuel surcharge waiver
Should you get it?
- Best for: First-time card users, Low to moderate spenders
- Entry tier — great for first-time and lower-spend users.
- Strongest value if you spend heavily on Online Shopping (6% back).
Pros
- Strong rewards that can offset the annual fee for the right spender
- Simple, accessible entry/mid-tier card
Cons
- Annual fee applies unless the spend-based waiver is met
- Fewer premium travel and lifestyle perks
Eligibility & documents
DOCUMENTS REQUIRED
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
- 🎁Airline / hotel partner point transfers (on eligible cards)
What your cashback are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Direct cash adjustment — no conversion
The concern
The ₹1,000/month cashback cap arrives fast — beyond ₹17,000 monthly online spend the card needs a partner.
Bottomline
CardAdvisor Rating: 4.0 / 5Smart's 6% headline is the highest broad online rate in India — the catch is the tight cap that high spenders exhaust mid-month. Used surgically for the first ₹17,000 of online spend, it is excellent; as an only card, frustrating.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the Standard Chartered Smart Credit Card are taken from SC's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
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