The Standard Chartered Smart has a ₹499 annual fee (waived on ₹1.2 lakh annual spend) and charges a 3.5% forex markup.
| Annual fee | ₹499 |
|---|---|
| Annual fee waived | On ₹1.2 lakh annual spend |
| Forex markup | 3.5% |
From issuer benefit data, checked 23 Oct 2026. Base rewards is the general earn rate; category and partner rates are under Key Benefits.
Live offers on this card
183 online offers across 154 brands right now, each valid for at least another 7 days. Checked 23 Oct.
- Yatra: Upto Rs.1800 off · till 31 Dec
- Air India: Get additional Rs.1000 off · till 31 Dec
- EaseMyTrip: Get Rs.1000 off · till 31 Dec
- Paytm: Save 50% · till 30 Dec
- Tata CLiQ: 12% instant discount · till 31 Jan 2027
These are Visa network offers, so they apply to every Standard Chartered Bank Visa card, not just this one.
More about the Standard Chartered Smart Credit Card
Is the Standard Chartered Smart Credit Card worth it in 2026?
Yes, the Standard Chartered Smart Credit Card is worth it in 2026 as it offers a waived joining fee of Rs. 499 and a reasonable annual renewal fee of Rs. 499. This makes it an affordable option for users seeking value without high upfront costs.
Who should get the Standard Chartered Smart Credit Card?
This card is ideal for budget-conscious users who want to enjoy credit card benefits without paying a joining fee. It suits individuals who prefer a low annual fee of Rs. 499 and are looking for a straightforward credit card for everyday spending.
How to maximise rewards on the Standard Chartered Smart Credit Card?
To maximise rewards, use the card for regular purchases and pay the full outstanding amount on time to avoid interest charges. Focus on spending categories that offer higher cashback or reward points, as per the card's reward structure.
What purchases give the best value on the Standard Chartered Smart Credit Card?
The best value comes from everyday purchases like groceries, dining, and utility bill payments where the card offers enhanced rewards. Using the card for these expenses helps accumulate points faster and maximises the benefits of the Rs. 499 annual fee.