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STANDARD CHARTERED BANK LTD
Standard Chartered Smart Credit Card
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Verified Catalog
Source: STANDARD CHARTERED BANK LTD Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
Digital-first card with enhanced benefits on online spends and low-interest EMI options for large purchases
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
2% cashback on all online spends and 1% cashback on all other spends
Highlight 2
Convert eligible transactions into 3-month EMI at 0.99% p.m. special interest rate with nil processing fee
Highlight 3
Extended interest-free credit period for first 90 days post card issuance by paying only the minimum amount due
Highlight 4
Minimum cashback balance of ₹2,500 required for redemption (equivalent to ₹1.25 lakh spend)
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
₹499
The front-loaded charge when you apply.
Annual fee
₹499
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Rewards value at ~₹1 per point.
Annual Fee: ₹499100% Offset
🎉 Your earnings completely offset the annual fee!
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
Complimentary lounge network access details available on issuer portal.
Hotel Privileges
"Convert reward points into miles or vouchers of domestic airlines and international airlines through KrisFlyer and Singapore Airline's frequent flyer programme"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Designed specifically for business owners and professionals with cash flow management features and rewards on business expenses; good for separating personal and business spending"
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Welcome Offer: ₹500 worth Shoppers Stop voucher, redeemable on any transaction at Shoppers Stop store
- Base Rate: 4 Reward Points for every ₹150 spent
- Accelerated Rewards Program: Up to 5% cashback on Paytm Movies & Mini Apps
- Up to 2% cashback on all Paytm spends
Cons
- RP to Rupees: 1 Point = ₹0.50
- Movie/Entertainment: 10X RP on BookMyShow
- Lifestyle and Fashion: CV Platinum membership
- Other Features: Earn ₹500 per month for a single purchase of ₹15,000 or above at Shoppers Stop over weekend (max once per month, 5 times per year)
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