Standard Chartered
Smart Credit Card
SimplifyCards take:A good fit if you want a card built for online and entry level, and you want your rewards as simple, no-tracking cashback
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Best for simple cashbackBest for
2% cashback on online retail spends (excl. fuel), auto-credited with no points to manage
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Avoid for heavy international useWatch out
A 3.5% forex markup is on the higher side for overseas spends
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Good fit if you want a card built for online and entry level, and you want your rewards as simple, no-tracking cashbackBottom line
It combines accelerated rewards on online retail spends (excl. fuel) and milestone rewards
Estimate your Cashback
Adjust your monthly spend to see the card's estimated annual value
How the card works
Cashback rates
| Category | Rate | Monthly cap |
|---|---|---|
| Online Retail Spends (excl. Fuel) | 2% cashback | 1,000 Cashback |
| Other Eligible Retail Spends (excl. Fuel) | 1% cashback | 500 Cashback |
Redemption
Statement balanceupto ₹ 1 per point
Important conditions
1
Fee waiverRenewal fee waived on annual spends of ₹ 1.2 lakh
Benefits and fine print
Welcome, renewal, and other listed benefits
Additional benefits
- 0.99% per month on eligible 3-month EMI with nil processing fee
- Extended interest-free credit period for the first 90 days post-issuance
Eligibility
Check this before you apply
Salaried
- Age: 18 to 65 years
- Minimum monthly income of ₹25,000
Self-employed
- Age: 18 to 65 years
- Minimum income of ₹25,000
Exclusions
Spending that does not earn cashback
- Fuel transactions
- Cash withdrawal / cash advance transactions
- Fees and charges (including annual fee and finance charges)
Compare before you decide
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