Standard Chartered
Gold · Smart
Standard Chartered Smart Credit Card
Standard Chartered
2% cashback on online, 1% offline — zero annual fee
Annual Fee
Free
Joining Fee
Free
Reward Rate
1.5%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹4,000
Total Annual Benefits
₹4,000
Total Annual Charges
₹0
ROI
9999%
Fee Waiver Available
No annual fee — lifetime free card — ₹0 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
No charges applicable
Benefits & Perks
Cashback Benefits (2)
2% Cashback on Online Transactions
Earn 2% cashback on all online transactions including e-commerce, bill payments, and app-based purchases
- • All online transactions via internet or mobile app
2% cashback
1% Cashback on Offline Transactions
Earn 1% cashback on all offline POS transactions at retail stores
- • All POS swipe transactions at retail stores
1% cashback
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on fuel transactions
- • Valid on transactions ₹400–₹5,000
- • Max ₹200 per statement cycle
1% waiver
₹2,400/yr
Reward Program
Program
Standard Chartered Cashback
2% online, 1% offline
Effective cashback: 1.50%
Points expire: Cashback credited to statement — no expiry
Redemption Options
- → Automatic statement credit
Bonus Categories
Online
2x multiplier
2% cashback on all online transactions
Offline
1x multiplier
1% cashback on all offline transactions
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | Free Free — Lifetime Free Card |
| Annual Fee | Free Free — Lifetime Free Card |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹1,000
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹20
- Other Bank Withdrawal
- ₹20
- Intl. Withdrawal Fee
- 2.5% + ₹125
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹5,000. Max waiver: ₹200/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹15,000
- Min. Annual Income
- ₹2,00,000
- Min. Credit Score
- 650
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹15,000
- • Self-Employed: ITR > ₹2 Lakh p.a.
- • Subject to credit assessment
Airport Lounge Access
Domestic
0 visits/year
Not included
International
0 visits/year
Not included
- • Lounge access not included with this card
Transaction Limits
ATM Withdrawal / Day
₹15,000
POS & E-Commerce / Day
₹1,00,000
Contactless / Txn
₹2,000
Features
Contactless payments EMV chip security Domestic usage Add-on cards available EMI conversion facility Lifetime free — no annual fee 2% cashback on online transactions SC mobile app and online banking
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The Standard Chartered Smart Credit Card is a lifetime-free card offering 2% cashback on all online transactions and 1% on offline spends. Designed fo...
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