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Key Highlights of Standard Chartered Bank Smart Credit Card
Axis Bank My Zone Credit Card
Best Suited for  Cashback
Joining Fee Rs. 499
Annual Fee Rs. 499 (waived off on spending Rs. 1,20,000 in the preceding year)
Minimum Income Requirement To be communicated at the time of sourcing
Best Feature 2% cashback on online spends
The Money Fair Rating ★★★(3/5)

The Standard Chartered Bank Smart Credit Card is a premium card designed to provide customers with a range of features and benefits. It offers rewards points, cashback, complimentary airport lounge access, travel and lifestyle benefits, and more.

Activation Benefits

  • 1-year membership to Priority Pass lounges around the world
  • Up to 20% savings at over 250 restaurants in Singapore
  • Up to 10% savings on online shopping
  • 1% cashback on all purchases
  • 0.2% cashback on petrol and grocery purchases
  • Up to 10% savings on dining, shopping and entertainment in selected cities

Annual Benefits

Standard Chartered Bank offers a wide range of benefits to its Smart Credit Card holders. These include:

  • Cashback on all purchases: Cardholders can earn up to 5% cashback on all their purchases.
  • Travel Insurance: Cardholders are eligible for complimentary travel insurance coverage of up to Rs. 2 lakh.
  • Reward Points: Cardholders can earn reward points for every purchase they make and redeem them for exciting rewards.
  • Discounts: Cardholders can get discounts at partnering outlets and restaurants.
  • Add-on Cards: Cardholders can get up to 3 Add-on cards for their family and friends to use.
  • Balance Transfer and Cash Advance: Cardholders can transfer their existing balance to the Standard Chartered Bank Smart Credit Card and avail a cash advance up to 90% of their credit limit.
  • Flexipay: Cardholders can convert large purchases into easy monthly payments.
  • 24x7 Call Centre: Cardholders can access a 24x7 call centre for any queries or assistance.
  • Secure Online Shopping: Cardholders can enjoy secure online shopping with the added security of Verified by Visa.

Other Benefits of Standard Chartered Bank Smart Credit Card

Following are the additional Standard Chartered Bank Smart Credit Card benefits:

  • Cashback and rewards: Standard Chartered Bank Smart Credit Card offers cashback and rewards on eligible purchases made with the card. The cashback and rewards can be used for a variety of purposes such as shopping, travel, dining and more.
  • Contactless payments: This card allows you to make contactless payments using your smartphone or other compatible devices. This makes it convenient and secure to pay for your purchases.
  • Balance transfer: You can transfer outstanding balances from other credit cards to your Standard Chartered Bank Smart Credit Card at a lower interest rate. This helps you save money and manage your finances better.
  • Low interest rates: Standard Chartered Bank Smart Credit Card has low interest rates on purchases and balance transfers. This helps you keep your costs low when using your card.
  • No annual fee: Standard Chartered Bank Smart Credit Card does not charge any annual fee. This makes it an attractive option for customers looking for a credit card with no additional costs.

Credit Card Ho Toh Aisa!

It’s not just a credit card, it’s a rewards card!

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Standard Chartered Bank Smart Credit Card: Fees & Charges

The fees and charges applicable to Standard Chartered Bank Smart Credit Card are mentioned below:

Type of Fee/ Charge Amount

Joining Fee

Rs. 499

Annual/ Renewal Fee

Rs. 499

Finance Charges

3.75% p.m. (45% p.a.)

Late Payment Fee
  • For Statement Balance:
  • Up to Rs. 100 – Nil
  • Rs. 101 to Rs. 500 – Rs. 100
  • Rs. 501 to Rs. 5,000 – Rs. 500
  • Rs. 5,001 to Rs. 15,000 – Rs. 700
  • Rs. 15,001 to Rs. 25,000 – Rs. 800
  • Above Rs. 25,000 – Rs. 1,200

Whether or not to go for the Standard Chartered Bank Smart Credit Card depends on your personal financial needs and goals. It is important to research the card's features, fees, and rewards and compare it to other credit cards before making a decision. Consider things such as the annual fee, interest rate, rewards, and other benefits before making a final decision.

Yes, Standard Chartered Bank Smart Credit Card is a good choice for those who are looking for a rewards card with no annual fee and a low minimum income requirement. The card offers a range of rewards and benefits, including cashback, air miles and discounts on entertainment, dining and travel. It also provides a range of insurance coverage, benefits and privileges.

Click here to apply for this credit card. 

Q.  Can I earn points for fuel transactions using my Standard Chartered Bank Smart Credit Card?

A. Yes, you can earn points for fuel transactions using your Standard Chartered Bank Smart Credit Card. Each fuel transaction will earn you 1 point for every Rs.100 spent. Please note that the points are limited to a maximum of 500 points per billing cycle.

Q. How do I apply for the Standard Chartered Bank Smart Credit Card?

A. You can apply for the Standard Chartered Bank Smart Credit Card online, by visiting the Standard Chartered Bank website. You can also visit a Standard Chartered Bank branch to apply for the card.

Q. Can I withdraw money from my Standard Chartered Bank Smart Credit Card?

A. Yes, you can withdraw money from your Standard Chartered Bank Smart Credit Card. However, the withdrawal limit would be based on the card type and your credit limit.

Q. What is the foreign transaction fee charged by Standard Chartered Bank Smart Credit Card?

A. The foreign transaction fee charged by Standard Chartered Bank Smart Credit Card is 3.5%.

Q. I don't have a bank account. Can I apply for an Standard Chartered Bank Smart Credit Card?

A. Unfortunately, you cannot apply for a Standard Chartered Bank Smart Credit Card without a bank account. You will need to have a bank account in order to apply for the card.