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HomeCredit cardsStandard CharteredStandard Chartered Smart Credit Card
EntryVisa

Standard Chartered Smart Credit Card

3.9editor Editor score 71/100Best for low interest on emi

2% cashback on online spends, 1% offline and the lowest interest rate on a mass card – 0.99% a month on transfers.

  • 2% cashback on online spends (up to ₹1,000 a month)
  • 1% on offline spends
  • 0.99% p.m. interest on balance transfer and EMI
  • Low fee waiver
Updated 13 Nov 2026
Standard Chartered
•••• •••• •••• 4242
Standard Chartered Smart Credit Card
VISA

Key facts

Joining fee
₹499 + GST
Annual fee
₹499 + GST
Waived on ₹1.2 lakh annual spends
Reward rate
2% online · 1% offline
Welcome benefit
None

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SBI CardMID
Standard Chartered Smart Credit Card
Annual fee ₹499 + GST
Lounge access
None domestic
Forex markup
3.5%
Fuel surcharge
No waiver
Interest rate
3.5% p.m. (42% p.a.)

What we like

  • Lowest EMI interest in its class
  • Simple cashback
  • Easy waiver

Watch out for

  • Low caps
  • No lounge
  • Limited offers

Our take

Why we rate it

A sensible card for people who sometimes carry a balance or convert spends to EMI.

Features & benefits in detail

Rewards
Online spends
2%
Offline spends
1%
Fees
EMI interest
0.99% p.m.
Fee waiver
₹1,20,000 annual spends

Eligibility

Minimum income
₹30,000 / month
Age
21 – 60 years
Credit score
700+ preferred
SalariedSelf-employed

Approval, pricing and credit limits are decided solely by the issuing bank or NBFC. Fees, rewards and offers shown are indicative and may change without notice; please read the lender's Most Important Terms and Conditions (MITC) or Key Fact Statement before applying.

Standard Chartered
Standard Chartered Smart Credit Card
Joining fee
₹499 + GST
Annual fee
₹499 + GST
Rewards
Up to 2%
Lounge
None
Forex
3.5%

Secure hand-off to Standard Chartered. No OTP or PIN ever asked.

Not sure?

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CardSparrow is an independent comparison platform, not a bank, NBFC or RBI-regulated lender. We may earn a referral fee from a lender or affiliate network when you apply through our links. This never changes what you pay and never affects our ratings or the order in which products appear.

•••• •••• •••• 4242
SBI Cashback Card
VISA
SBSBI Card

SBI Cashback Card

4.6editor

Best for online shopping

Flat 5% cashback on all online spends with no merchant restrictions, auto-credited to your statement.

Joining
₹999 + GST
Annual
₹999 + GST
Rewards
Up to 5%
Fuel waiver
Details
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HDFC BankMID
•••• •••• •••• 4242
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4.4editor

Best for everyday online spends

5% CashPoints on Amazon, Flipkart, Swiggy, Zomato, Uber, Myntra and more, with quarterly lounge visits.

Joining
₹1,000 + GST
Annual
₹1,000 + GST
Rewards
Up to 4%
Lounge 4 / yr Fuel waiver
Details
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4.5editor

Best for amazon prime members

Lifetime free card with 5% back for Prime members on Amazon, 2% on Amazon Pay partners and 1% everywhere else.

Joining
Free
Annual
Free
Rewards
Up to 3%
Lifetime free Fuel waiver
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4.3editor

Best for bill payments & food delivery

5% cashback on bill payments via Google Pay, 4% on Swiggy, Zomato and Ola and 1.5% on everything else, uncapped.

Joining
₹499 + GST
Annual
₹499 + GST
Rewards
Up to 3%
Lounge 4 / yr Fuel waiver
Details