Last updated: |Data verified from official bank sources
Entry
Standard Chartered Smart
Standard Chartered
Best for: Simple online cashback seekers
₹499
Annual Fee
1%
Reward Rate
N/A
Forex Markup
None
Domestic Lounge
None
Intl Lounge
Best for: Simple online cashback seekers
Things to Watch Out For
- •Min ₹2500 for redemption
- •May be discontinued
Fees & Charges
Joining Fee₹499
Annual Fee₹499
Fee WaiverSpend ₹1.2L annually
Rewards
TypeCashback
Base Rate1% offline
Effective Return1%
Accelerated Categories
Online spends2% (2%)cap: ₹1000/month
Lounge Access
DomesticNone
InternationalNone
Eligibility
Minimum Income₹3.0L/year
Reward Exclusions
Fuel
Spends in these categories won't earn reward points
Available on: Visa
Frequently Asked Questions
What is the annual fee for Standard Chartered Smart?▼
Standard Chartered Smart has an annual fee of ₹499. Spend ₹1.2L annually
What rewards does Standard Chartered Smart offer?▼
Standard Chartered Smart offers 1% offline on all spends, with an effective value of 1%.
Does Standard Chartered Smart have lounge access?▼
Standard Chartered Smart does not include complimentary lounge access.
What is the minimum income required for Standard Chartered Smart?▼
The minimum income requirement for Standard Chartered Smart is ₹3.0 lakhs per annum.
Information sourced from Standard Chartered official website. Last verified: February 2026.
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