Smart Credit Card
Get cashback up to INR 18,000 annually*
Is this card worth it for you?
Drag the sliders to match your spend. The number on the right updates live.
Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 1.00% travel · 1.00% dining · 1.00% base.
After fees, you're earning real money on this card. The break-even moves with your category mix — pull travel up if you fly more, dining if you eat out.
vs Axis Bank ACE
At ₹50,000/month with 15% travel and 10% dining.
Tools for Smart Credit Card holders
Frequently asked
Is the Smart Credit Card worth the ₹499 fee?
It depends on your spend. The Smart Credit Card earns 1% base reward and waives the annual fee at ₹1,20,000 of yearly spend. Use the break-even calculator above to see your specific number.
What is the eligibility for Smart Credit Card?
Standard Chartered hasn't published a hard minimum income for Smart Credit Card. Approval depends on credit score, existing relationship, and employment type.
Reward rates and fees are sourced from Standard Chartered's product page and may change. Always confirm with the card issuer before applying.