Standard Chartered Smart Credit Card 2025
Save up to ₹18,000+ every year on online shopping, utilities & everyday spends!
Want simple cashback on all online & offline spends? The Standard Chartered Smart Credit Card is ideal for beginners!
Get 2% cashback on online (up to ₹1,000/month, including utilities/govt), 1% on offline (up to ₹500/month), ₹18,000 max yearly, 90 days interest-free first time, 0.99% EMI on 3 months, low ₹499 fee (waived on ₹1.2L spend), and easy approval!
Best card for online shoppers + utility payers + new users!
Why This Is The Best Entry-Level Cashback Card in 2025?
2% online cashback • 1% offline • Up to ₹18K yearly • 0.99% EMI • Fee waiver on ₹1.2L • 90 days interest-free • Auto cashback credit.
Best for: Online shoppers, utility bills, beginners, low spenders
Card At a Glance
₹499 + GST (waived first year)
₹499 + GST (waived on ₹1.2L)
2% Online / 1% Offline
₹18,000 Cashback
None
3.5% + GST
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹499 + GST (waived for new customers) |
| Annual Fee | ₹499 + GST (waived on ₹1.2L spend) |
| Welcome Benefit | 90 days extended interest-free period |
| Rewards Redemption Fee | Zero (auto credited) |
| Foreign Currency Markup | 3.5% + GST |
| Interest Rate | 3.45% per month |
| EMI Option | 0.99% p.m. on 3-month tenure (no processing fee) |
| Cash Advance Limit | 50% of credit limit |
Detailed Reward Rates (2025)
- 2% Cashback on all online spends (up to ₹1,000/month)
- 1% Cashback on all offline spends (up to ₹500/month)
- No cashback on fuel, rent, wallet loads
- Auto-credited to statement as cashback
- Max ₹18,000/year (₹1,500/month combined)
- Includes utilities, govt, insurance (online)
- No expiry on cashback
Airport Lounge Access
None available
Insurance & Protection Benefits
- Zero lost card liability
- 1 free add-on card
- Basic fraud protection
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 2% on all online (incl. utilities/govt) | No lounge access |
| 1% offline + auto cashback | High 3.5% forex markup |
| Low ₹499 fee + easy waiver | Fuel ineligible for cashback |
| 0.99% EMI + 90 days interest-free | Monthly caps limit high spenders |
| Easy approval for beginners | No milestone or welcome bonus |
Eligibility Criteria & Documents Required
- Age: 18-65 years
- Min Monthly Income: ₹25,000
- Credit Score: 700+ preferred
- Documents: PAN, Aadhaar, Salary slips/Bank statements
How to Apply Online (5-Minute Process)
- Visit SC website or app
- Fill details & check eligibility
- Upload docs + video KYC
- Card delivered in 7-10 days
Final Verdict – Should You Get It in 2025?
If you spend ₹50K+ monthly online/offline on shopping/utilities, get ₹12,000–₹18,000 value yearly. Best simple cashback card for beginners – top entry-level pick for 2025!
Frequently Asked Questions (FAQs)
2% on all online spends?
Yes, including utilities, govt, insurance (up to ₹1,000/month).
Fee waiver easy?
₹1.2L annual spend = waived from 2nd year.
How is cashback credited?
Auto as statement credit; redeem via 360 Rewards portal.
EMI benefits?
0.99% p.m. on 3-month conversions, no processing fee.