Standard CharteredGold

Standard Chartered Smart Card

•••• •••• •••• 4242

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Quick facts

Standard Chartered Smart Card

Top reward2% cashback

Annual fee₹499

Min income₹30,000/mo

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💰Cashback Kings

Standard Chartered · Gold tier

Standard Chartered Smart Card

Online cashback

Simple 2% on online purchases.

Key Benefits

💳

2% cashback on online spends

🎁

1% on other spends

⛽

Low fee

Annual fee

₹499

Top rate

2% cashback

Min income

₹30,000/mo

Eff. return

1.01%

Realistic net value (moderate user): ₹4,871/year

After ₹499 fee & ₹630 forex. Based on ₹40,000/mo spend.

12,400 users matched · Verified 2026-06-12

We earn commission if approved — at no cost to you. Zero sales calls.

Our transparency promise

✓ Reward caps shown in absolute ₹ — not just "5% cashback"

✓ Exclusions listed upfront — fuel, EMI, rent, wallet

✓ Point conversions with conservative ₹/point rates

What You Actually Earn (in ₹)

Absolute INR estimates based on your spends. Caps and exclusions applied — no marketing fluff.

Gross rewards / year

₹6,000

Before fees & forex

Costs / year

₹1,129

Fee ₹499 + forex ₹630

Net value / year

₹4,871

1.01% effective return on spend

Category-wise breakdown

Online shopping

Spend ₹10,000/mo · 2% cashback

₹2,400/year

₹200/mo

₹10,000 × 2% = ₹200/mo

All other eligible spends

Spend ₹30,000/mo · 1% cashback

₹3,600/year

₹300/mo

₹30,000 × 1% = ₹300/mo

Estimates assume eligible spends only (exclusions per issuer T&Cs apply). Point values use typical redemption rates — actual value varies by redemption choice. Bank approval and reward crediting is at issuer discretion.

💰Cashback Kings

Flat cashback on spends — no points math

Reward Structure

Source: Standard Chartered Smart T&Cs

Online spends

2% cashback

Example: ₹10,000/mo spend → ≈ ₹200/mo

Other spends

1% cashback

Example: ₹10,000/mo spend → ≈ ₹100/mo

Excluded categories (no rewards)

EMIFuelRent

Best for

→ Online shopping 2% cashback
→ Simple structure
→ ₹30K+ income

Fees & Charges — Full Disclosure

All amounts in INR. Everything that can reduce your net value.

Joining fee

Charged in first year

₹499

Annual / renewal fee

Charged every year unless waived

₹499

Forex markup

3.5% on international transactions

Finance charges

≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid

Late payment fee

₹400–₹1,300 depending on statement balance — always pay on time

Reward redemption fee

Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee

Example: moderate user net math

Gross rewards+ ₹6,000

Annual fee− ₹499

Forex cost− ₹630

Net annual value₹4,871

Eligibility Snapshot

Public criteria from Standard Chartered Smart T&Cs. Bank makes final decision.

Minimum age21–60 years

Min income (salaried)₹30,000/mo

Min income (self-employed)₹7,20,000/year

Employment acceptedsalaried, self employed

Credit history6+ months preferred

CIBIL checkBank checks at application — CardHungry never pulls your score

Secured optionUnsecured card only

Card tierGold — mid-tier mass premium

Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.

FAQ

How much can I actually earn with Standard Chartered Smart Card?+

At moderate spend (₹40,000/mo), gross rewards are about ₹6,000/year. After the ₹499 annual fee, net value is approximately ₹4,871/year. Use the calculator above to model your own spends.

What is the minimum income for Standard Chartered Smart Card?+

₹30,000/month for salaried applicants (indicative — bank decides).

What spends do NOT earn rewards?+

EMI, Fuel, Rent.

Does CardHungry pull my CIBIL score?+

No. We use public eligibility criteria only. The bank will check CIBIL when you apply.