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CASHBACK CARD

Smart Credit Card

Standard Chartered Bank

Flat 2% cashback on online spends (up to ₹1,000 a month) and 1% on other spends (up to ₹500 a month); 0.99% a month 3-month EMI with nil processing fee; extended interest-free period for first 90 days.

Fuel transactions earn no cashback; first-year fee waiver excludes existing SCB card holders; renewal fee ₹499 + GST unless ₹1,20,000 spent in preceding year; T&C apply.

Smart Credit Card
ANNUAL FEE
₹499 + GST
JOINING FEE
₹499 + GST
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Flat 2% cashback on online spends and 1% on other spends, within monthly caps
BEST FOR
Included: May suit those who spend regularly online and want cashback rather than reward points.
Included: May suit those whose spends are mainly online.
Included: May suit those who want a renewal fee that can be reversed on ₹1,20,000 of spends in the preceding year.
Included: May suit those who may convert eligible transactions to short 3-month EMIs at the stated rate.
Limitation: Those whose spends are mainly on fuel, which earns no cashback may wish to compare other cards.
Limitation: Those with high fuel spends, which earn no cashback may wish to compare other cards.
Limitation: Those who spend heavily and want uncapped earning may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Renewal fee is ₹499 + GST, reversed for spends of ₹1,20,000 or more in the preceding year on the card.
Condition: Extended interest-free credit period applies for the first 90 days after issuance, by paying only the minimum amount due.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
21
Maximum age
65

Fees & ownership

Joining fee
₹499 + GST
Annual / renewal fee
₹499 + GST
Fee waived at
Renewal fee reversed on spends of ₹1,20,000 or more in the preceding year on the card
Forex markup
Not stated
Finance charge
Not stated
Cash withdrawal fee
Not stated
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
Not stated
International airport lounge
Not stated
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Not stated
EVERYDAY
Fuel
Not stated
Dining
Not stated
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Fuel transactions are not eligible for cashback.; Fuel transactions earn no cashback.
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: Flat 2% cashback on online spends and 1% on other spends, within monthly caps
Included: Flat 2% cashback on online spends, up to ₹1,000 per month.
Included: Flat 1% cashback on other spends, up to ₹500 per month; fuel transactions are not eligible.
Included: Eligible transactions can be converted to 3-month EMI at 0.99% per month with nil processing fee.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.