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Mid Range Visa

Standard Chartered Smart Credit Card

Standard Chartered India · Visa

★★★½☆ 3.6/5
Joining Fee Free / Lifetime Free
Annual Fee ₹499
Fee Waiver Spend ₹1.2L/year
Forex Markup 3.5% + GST
Lounge Access None

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Welcome Benefit

None

Earn Rates

2% cashback on all online spend; 1% on offline

Key Highlights

  • Simple flat-rate cashback card with no category restrictions on online spend
  • Very easy annual fee waiver
  • Cashback credited to statement monthly

Lounge Access

None

This card does not include lounge access. Consider a premium card if airport lounges are important to you.

Fuel Surcharge Waiver

1% waiver

Best For

  • Simple cashback seekers
  • First-time credit card users

Not Great For

  • Reward point collectors
  • International travel
Verified: Data last verified 17 June 2026. Sources: www.sc.com

Frequently Asked Questions

Is there a cap on the 2% online cashback on SC Smart?

The 2% online cashback is capped at ₹1,000/month (i.e., effective on up to ₹50,000 of monthly online spend). Beyond that, the 1% offline rate applies.

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