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Standard Chartered Bank
2% cashback on every online spend and 1% on everything else, with the first year free
One-time
Waived on ₹1,20,000/yr
Capped at ₹1,000/month
Score 700+
Applying takes you to Standard Chartered Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
2 reward rates with their caps, taken from Standard Chartered Bank’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 10 Oct 2026.
See where each figure came fromOnline shopping
Pays up to ₹1,000 a month — reached at about ₹50,000 of spend
Everything else
Pays up to ₹500 a month — reached at about ₹50,000 of spend
These rates share one ceiling: ₹1,000 a month across the card, not per category.
The issuer publishes no earning exclusions for this card All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
2% on Online shopping — All online spends, with no merchant or category restriction. Capped at Rs. 1,000 a month., up to ₹1,000 per month.
Biggest limitation
The 2% online rate caps at Rs. 1,000 a month and the 1% rate at Rs. 500 a month, so the advertised Rs. 18,000 a year needs Rs. 1,00,000 of spending a month.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
2%
cappedOnline shopping
Pays up to ₹1,000 per month — reached at about ₹50,000 of spend.
All online spends, with no merchant or category restriction. Capped at Rs. 1,000 a month.
1%
cappedEverything else
Pays up to ₹500 per month — reached at about ₹50,000 of spend.
All other spends, capped at Rs. 500 a month.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹0 | — |
| Annual / renewal fee | ₹499 | The Rs. 499 annual fee is waived from the second year onwards on spending of at least Rs. 1,20,000 in the previous year. The joining fee is waived as a special offer |
| Add-on card | The issuer publishes no separate add-on card fee for this card. | — |
| Cash withdrawal | 3%, min ₹300 | 3% of the amount withdrawn, subject to a minimum of Rs. 300 |
| Late payment | Tiered on the total amount due, as published in Standard Chartered's schedule of charges | — |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹1,20,000 a year
is what it takes to keep the ₹499 fee off — about ₹10,000 a month
This card carries no airport lounge access.
No fuel surcharge waiver is published for this card.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
Welcome — once
None
no welcome benefit is recorded for this card
Milestones — every year
1
spend threshold you can reach again each year
No welcome benefit is recorded.
Spend ₹0 a year — about ₹0 a month
Up to Rs. 18,000 of assured cashback a year
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
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Standard Chartered BankStandard Chartered Rewards Credit Card₹1,180
Standard Chartered BankStandard Chartered Super Value Titanium Credit Card₹885Suryoday SFB FD-Backed Credit CardSuryoday Small Finance BankSuryoday SFB FD-Backed Credit Card₹177IDFC FIRST Mayura Credit CardIDFC BANKIDFC FIRST Mayura Credit Card₹7,079Indian Overseas Bank ZET FD Credit CardIndian Overseas BankIndian Overseas Bank ZET FD Credit CardLifetime freeRBL Bank SalarySe UP Credit CardRBL BankRBL Bank SalarySe UP Credit Card₹589| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| Standard Chartered Smart Credit Card · this card | ₹499 | 2% online shopping | No |
| Standard Chartered Rewards Credit Card | ₹1,180 | Up to 4 reward points per ₹150 | Included |
| Standard Chartered Super Value Titanium Credit Card | ₹885 | Up to 5% cashback | No |
| Suryoday SFB FD-Backed Credit Card | ₹177 | See card | No |
| IDFC FIRST Mayura Credit Card | ₹7,079 | Up to 10 reward points per ₹150 | Included |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹499 plus GST, waived on ₹1,20,000 of annual spend.
The strongest published rate is 2% on online shopping, capped at ₹1,000 per month — so roughly ₹50,000 of spend reaches the maximum on that tier. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
The issuer publishes no earning exclusions for this card The issuer publishes no earning exclusions for this card. The issuer publishes no excluded spend categories for this card.
Credited as cashback against the card statement
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
2% on all online spends and 1% on everything else. Standard Chartered caps the online rate at Rs. 1,000 a month and the other rate at Rs. 500 a month, which is Rs. 18,000 a year if both caps are reached every month — the figure the bank advertises.
Rs. 50,000 of online spending a month to reach the Rs. 1,000 cap, and Rs. 50,000 of other spending to reach the Rs. 500 cap — so Rs. 1,00,000 a month in total for the advertised Rs. 18,000 a year. Most holders will earn well below that, and the honest way to read the card is the 2% rate rather than the headline total.
Nothing in the first year — Standard Chartered waives the Rs. 499 plus GST joining fee as a special offer. From the second year the Rs. 499 annual fee applies, waived if you spent at least Rs. 1,20,000 in the previous year, which is about Rs. 10,000 a month.
Fairly. Most cards in this catalogue pay their best rate inside a named list — a co-brand, a merchant group, a spend category — and a fraction of a percent outside it. Paying 2% on any online transaction means nothing has to be planned, which for a lot of people is worth more than a higher capped rate somewhere specific.
No. Standard Chartered publishes no airport lounge access on the Smart card. Its own Rewards card carries a quarterly domestic visit and the Super Value Titanium is a bills-and-fuel card, so within Standard Chartered's range this is the cashback option rather than the travel one.
3.75% a month, which is 45% a year, with an interest-free period of up to 55 days if the bill is paid in full — among the longest published in this catalogue. Cash advances cost 3% of the amount withdrawn with a minimum of Rs. 300, which is higher than the 2.5% most issuers here charge.
Most cashback cards in this catalogue pay their best rate inside a named group — a co-brand's own app, a list of merchants, a spend category — and a fraction of a percent outside it. That means planning: which card for groceries, which for the food delivery app, which for everything else.
The SC Smart pays 2% on any online transaction and 1% on anything else. There is nothing to plan and nothing to remember, and for a lot of people a flat 2% they always get is worth more than a 5% they sometimes do.
Standard Chartered advertises assured cashback of up to Rs. 18,000 a year. That figure is real but it is a ceiling, not an expectation: the 2% online rate caps at Rs. 1,000 a month and the 1% rate at Rs. 500 a month.
Reaching both means Rs. 50,000 of online spending and Rs. 50,000 of other spending every month — Rs. 1,00,000 a month, Rs. 12 lakh a year. At a more typical Rs. 25,000 a month online the card returns about Rs. 6,000 a year, which is still a good return on a Rs. 499 fee that Rs. 1,20,000 of annual spending removes anyway.
Standard Chartered publishes an interest-free period of up to 55 days on this card, which is among the longest in this catalogue — most issuers quote 45 or 50.
That matters for the same reason it matters on any card: the published figure is a maximum and applies to a purchase made on the first day of a billing cycle. Timing a large purchase to just after the statement date is worth up to eight weeks of free credit here, which is a fortnight more than most cards allow. Cash advances are the exception and are expensive on this card at 3% with a Rs. 300 minimum.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
Standard Chartered Smart Credit Card — 2% on online shopping, up to ₹1,000 per month. ₹499 a year.