Standard CharteredSmart
Standard Chartered ·
Smart
Joining ₹499 · Annual ₹499 · Renewal waived on ₹1.2 lakh of annual spends
Fee break-even: ≈₹49,900/yr through this card at its base rate. Below that, the fee eats the rewards.
Earns cashback. Credited as cashback, no points arithmetic
Verified 13 Aug 2026Forex markup3.5%
EMIA flat 1.5% of the transaction on every conversion processing fee · Kuch Bhi on EMI covers checkout and post purchase conversions, tenures 3 to 60 months, minimum ₹2,000.
Return by category
| Category | Return | Notes |
|---|---|---|
| Online spend | 2% | 2% online, capped at ₹1,000 of cashback a month, about ₹50,000 of spend |
| Amazon | 2% | Uses its online rate |
| Flipkart | 2% | Uses its online rate |
| Subscriptions & OTT | 2% | Uses its online rate |
| Offline spend | 1% | Base rate |
| UPI spending | 0% | No RuPay variant is published, so UPI linking is unavailable |
| Dining | 1% | Base rate |
| Swiggy | 1% | Base rate |
| Zomato | 1% | Base rate |
| Groceries | 1% | Base rate |
| Quick commerce | 1% | Base rate |
| Swiggy Instamart | 1% | Base rate |
| Blinkit | 1% | Base rate |
| BigBasket | 1% | Base rate |
| Movies & shows | 1% | Base rate |
| BookMyShow | 1% | Base rate |
| PVR INOX | 1% | Base rate |
| Fuel | 0% | Fuel earns no cashback |
| Travel (general) | 1% | Base rate |
| Flights | 1% | Base rate |
| Hotels | 1% | Base rate |
| MakeMyTrip | 1% | Base rate |
| IRCTC rail | 1% | Base rate |
| International | −2.5% | 1% reward − 3.5% forex markup |
| Utilities & bills | 1% | Base rate |
| Rent | 1% | Base rate |
| Education fees | 1% | Base rate |
| Insurance premiums | 1% | Base rate |
| Government & tax | 1% | Base rate |
| Wallet loads | 1% | Base rate |
| Anything else | 1% | Base rate |
| Jewellery | 1% | Base rate |
Rates are the card's own published rates, before any spend profile. Add this card inMy cards to rank it against the rest of your wallet.
Also worth knowing
- Extended interest free period for the first 90 days after issuance
What we liked
- A no nonsense 2% online and 1% offline
- Both caps together allow ₹18,000 of cashback a year
- ₹499 waived at ₹1.2 lakh
What to mind
- The online cap fills at ₹50,000 a month
- No lounge, no travel perks, nothing else
Sources
Every figure above comes from the issuer's own pages and documents. Last verified 13 Aug 2026.