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Standard Chartered Smart
Standard Chartered • Visa

Standard Chartered Smart

2% Cashback on Online Spends

Annual Fee₹499Waived on ₹1.2L spend
Base Reward2.0%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹9,600Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹7,200

Assumes base reward rate only.

Annual feeWaived

Waived on ₹1.2L spend

Net value₹7,200

Estimated savings per year.

Fee waiver target: ₹1,20,000 annual spend.Reward cap applied at ₹12,000/yr (not reached).

Reward Rate Breakdown

Category-wise reward rates for this card

Basedefault
2.0%
Online
2.0%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

  • SC Smart is a capped online cashback card with a predictable monthly ceiling.
  • Its strongest differentiation is simple online cashback + EMI flexibility.
  • Best for moderate online spenders, not high-volume online shoppers.

Best Utilization

  • Use for first tranche of eligible online spends each statement cycle up to cap.
  • Switch to a higher-cap online cashback card once ₹1,000 cashback ceiling is reached.
  • Use EMI feature selectively for large purchases where tenure flexibility matters.

Watchouts

  • If online spend is very high, the monthly cap can reduce effective rate sharply.
  • Avoid using this as primary offline card due lower offline return.
  • Always confirm current exclusions before booking large online spends.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

  • Joining fee₹499
  • Annual fee₹499
  • Waiver threshold₹1,20,000
  • Cap typemixed
  • Cap resetmonthly
  • Last verified2026-02-13

Redemption Truth

  • Cash value/point₹1
  • Travel value/point₹1
  • Transfer partners0
  • Min redemption₹1,000
  • Expiry policyNot applicable; card value is cashback-led rather than transfer-point led on public product page.
  • Last verified2026-02-13

Lounge Truth

  • NetworkVisa
  • Domestic count0
  • International count0
  • Quarterly limit0
  • Airport-terminal rows0
  • Policy check2026-02-13

Reliability + Outcomes

  • Verification statusverified
  • Freshness days0
  • Source conflicts0
  • Applied reports21
  • Approval reports13

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

Standard Chartered Manhattan

Annual fee: ₹999

Shared focus: ShoppingHigher top earn rate (5.0%)Estimated +₹6,940/yr value
View Details

Lounge match needs verification

Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.

Lounge Eligibility Checklist

Derived from card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for Standard Chartered Smart using your current period spend.

₹0 spent₹1 target

Policy signal used: Waived on ₹1.2L spend

Spend threshold

Waived on ₹1.2L spend

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

Priority Pass benefit is not listed for this card.

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Key Benefits

  • 2% cashback on online spends (up to ₹1,000 per statement cycle)
  • 1% cashback on offline spends
  • 3-month no-cost EMI option on spends above card threshold
  • Consolidated statement view supported across eligible Standard Chartered cards

Things to Consider

  • Monthly cashback cap limits value for heavy online users
  • Offline earn rate is lower than dedicated category cards
  • No premium travel lounge proposition in base structure

About Standard Chartered Smart

Standard Chartered Smart is a cashback card from Standard Chartered, best for emi users. It is tagged under shopping categories in our database.

Shopping

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Frequently asked questions

Is Standard Chartered Smart lifetime free?

It has an annual fee of ₹499. Waived on ₹1.2L spend

What rewards does Standard Chartered Smart offer?

2% Cashback on Online Spends

Does Standard Chartered Smart include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider Standard Chartered Smart?

EMI Users

Where can I apply for Standard Chartered Smart?

Check the issuer website for application availability.