Cards · Standard Chartered
Standard Chartered Smart Credit Card: rewards, caps and exclusions
Below is every rate, cap and exclusion in Standard Chartered's published terms, as we last checked them on 9 October 2026.
What it earns
2%Everything else (online)on the first ₹50,000 of spend a cycle
1%Everything else (in store)on the first ₹50,000 of spend a cycle
What earns nothing
Spend in these categories earns no rewards on this card, however it is paid for:
- Fuel
- Cash withdrawals and fees
What costs extra
Worse than earning nothing: Standard Chartered charges a fee for these.
- 1% on Rental payments, plus GST
Fees
- Annual fee: ₹499, plus 18% GST
- Joining fee: none
- Annual fee waived on ₹1,20,000 of spend in a card year
Where this comes from
Transcribed from Standard Chartered's own documents and checked against them on 9 October 2026:
- product page, sc.bank.in
- Smart Credit Card T&C, av.sc.bank.in (PDF)
- tariffs, sc.bank.in
- SC migration FAQ, sc.bank.in
Banks change these terms, sometimes with a month's notice. If a figure here disagrees with Standard Chartered's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.
Hold this card?
We know this card's rules, but we don't read Standard Chartered's mail yet, so the audit can't check your swipes on it. Which banks we read