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| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | 0.7% | 1.1% | 1.3% | 1.4% | 1.4% |
| Est. Monthly Reward (₹) | 35 | 115 | 270 | 725 | 1,455 |
| All-India Rewards Rank* | 56 | 33 | 39 | 57 | 55 |
| Within Bank Rank* | 2 | 2 | 2 | 3 | 4 |
| * Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here. | |||||
The Smart Credit Card gives 2% cashback on all online spending and 1% cashback on everything else.
We estimate you can earn a net reward yield of 0.7-1.4% with this card.
If you want a credit card from Standard Chartered Bank, we recommend Ultimate Credit Card instead. It offers a net reward yield of 2.3-3.0% on all your spend.
If you are not comfortable with the high annual fee of the Ultimate, we recommend the Standard Chartered DigiSmart Credit Card for monthly spends below ₹50,000. You can earn a net reward yield of 1.3-1.6% with the DigiSmart Credit Card.
Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.
| Card | |
|---|---|
| Card Type | Cashback |
| Cashback Features | – 2% Cashback on all your online spends
– 1% Cashback on all your offline spends |
| Milestone Rewards | Nil |
| Other Rewards | Nil |
| Rewards Redemption Fee | ₹99 |
| Cashback Caps | – ₹1000 p.m. on all online spends
– ₹500 p.m. on all offline spends |
| Preferred Redemption Method | Cashback against statement balance |
| Card | Smart Credit Card | |
|---|---|---|
| Joining Fee | ₹499 + Taxes | |
| Annual Fee | ₹499 + Taxes | |
| Min. Annual Credit Card Spend for Fee Waiver |
₹1.2 Lacs | |
| Income Criteria | Salaried | N/A |
| Self-employed | N/A | |
| Supplementary Card Fee | Free | |
| Interest Rate | 3.75% | |
| Foreign Currency Markup | 3.50% | |
| Cash Advance Charge | 3.00% with a minimum of ₹300 | |
| Card Association | Visa | |
Questions? Suggestions? See a mistake? Write to us!
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.
2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.
8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.
