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Standard Chartered

Standard Chartered Smart

VisaMidCashback
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Annual Fee

Free

Reward Type

Cashback

Forex

3.5%

Lounge

2 dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining FeeFree
Annual FeeFree(waived ≥ ₹1,00,000)
Min Monthly Income₹30,000

Rewards

Reward TypeCashback
Base Rate1%
Point Value₹1/point

Category Multipliers

grocery5%(cap ₹1,000)telecom5%(cap ₹500)

Travel & Global

Forex Markup3.5%
Domestic Lounge2 visits/yr
Intl. LoungeNone
Lounge NetworkVisa

India-Specific

Fuel Surcharge✓ 1% waiver

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💡 Fee Waiver Strategy

Spend ₹1L/year to waive ₹750 fee.

🎯 Pro Tips

  • ▸5% on grocery + telecom bills
  • ▸1% base cashback on all spends
  • ▸2 domestic lounge visits/year

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹19,200

Effective Rate

1.6%

Ranked #29 of 173 cards⭐ Top 30

🏷️ Best For

groceryutilitiescashback