STARTER CASHBACK CARD FOR ONLINE SPENDS

Standard Chartered Smart Credit Card

Standard Chartered Smart Credit Card - Our Money Guide Our Rating 3.50
Top Reasons to Choose
2%
Cashback on ‘online spends’
1%
Cashback on all other card spends
Annual Fee

₹499

  • Welcome offer : 1st year fee is waived off as a special offer, for new customers.
  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹1.20 lakhs or more in the previous year.
Minimum Income

Not specified

2% cashback on ‘online spends’ 
– You earn ₹2 cashback, on every ₹100 you spend on online purchases
– This is valid only on online purchases upto ₹50,000 per month, since the maximum cashback at this special earning rate is limited to ₹1000 per month
– You can see and redeem the earned cashback on the Rewards Portal of the Bank called 360 Rewards
Note : For bill payments through Billdesk or StanChart Bill Pay, only transactions on billers registered under the following categories will be eligible for cashback:
– Telecom
– Utilities (electricity, water, gas)

1% cashback on all other card spends 
– You earn ₹1 cashback, on every ₹100 you spend on all other purchases-
– This is valid only on online purchases upto ₹50,000 per month, since the maximum cashback in this category is limited to ₹500 per monthly card statement cycle.
– Exceptions : The following transactions do not earn any cashback – fuel purchases, returned purchases, disputed or unauthorized/fraudulent transactions, transactions not initiated by the cardholder, finance charges, any other charges and fees, charged back transactions; and cash advances.

Benefits
– Entry level cashback card from Standard Chartered, which gives 2% cashback on all online spends, and 1% on all other card spends.
– Virtually free card if you spend 1.20 lakhs or more each year, and achieve the card spend-based annual fee waiver offer.

Drawbacks to consider
– You could get higher reward rate on other cards, especially on offline spends.


To read the full review of the card, please click here
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