SC • entry
Standard Chartered Smart Credit Card
SC banking customers wanting a simple free cashback card
Annual Fee
FREE
Joining Fee
FREE
Base Rate
1%
Our rating
7.5/10
Our rating is our own hand-set overall judgment of this card — not a computed score. How we set it →
SC
STANDARD CHARTERED SMART CREDIT CARD
entry
.. .. .. ..
VISA
Real Annual Value
What's it actually worth for you?
Monthly SpendRs.50.0K
Gross rewardsRs.8,400
Annual fee-Rs.0
Net annual value+Rs.8,400
Value Breakdown
online (2%)+Rs.4,800
Base rate (1%)+Rs.3,600
Highlights
- Lifetime free
- 2% online cashback
- Auto cashback credit
Reward Rates
Earn by category
online
2%
Cap: Rs.1.0K/mo
2% online (cap Rs.1,000/mo); 1% offline (cap Rs.500/mo). SEED wrongly had 5% [SOURCED 2026-08-26 sc.com/in/credit-cards/smart-credit-card]
Loading intelligence...
Questions
Frequently asked questions
What is the annual fee of Standard Chartered Smart Credit Card?
Standard Chartered Smart Credit Card is a lifetime free card with zero annual fee.
What is the reward rate on Standard Chartered Smart Credit Card?
Standard Chartered Smart Credit Card earns a base rate of 1%. See the reward-rates section above for category accelerators.
How to apply for Standard Chartered Smart Credit Card?
Apply online through SC's website, or use the Apply & Earn button on this page for a direct, unbiased apply link. Eligibility typically needs a credit score of 750+ and income as per bank criteria.