Is Standard Chartered Smart Credit Card good for travel?

Standard Chartered Smart Credit Card is a cashback card from SC. It is not primarily a travel card, but may offer some travel benefits.

SC • cashback

Standard Chartered Smart Credit Card

Q: What is the annual fee of Standard Chartered Smart Credit Card?

Standard Chartered Smart Credit Card has no annual fee — it is a lifetime free credit card.

Q: How to apply for Standard Chartered Smart Credit Card?

You can apply for Standard Chartered Smart Credit Card online through SC's website or through CreditIQ's unbiased apply link. Eligibility typically requires a credit score of 750+ and a minimum income as per bank criteria.

Honest review — No affiliate bias — Updated May 2026

CreditIQ Score

8.2

out of 10

FREE

Annual Fee

FREE

Joining Fee

Visa/Mastercard

Network

cashback

CreditIQ Verdict

The Standard Chartered Smart Credit Card is a cashback credit card from SC with no annual fee, making it a strong choice for users who want rewards without ongoing costs. Best suited for users who spend regularly on cashback categories and want to earn meaningful rewards.

Fees & Charges

Annual FeeNil (Lifetime Free)

Joining FeeNil

Interest Rate42% per annum (3.33% per month)

Forex Markup3.5% on international transactions

Cash Advance2.5% of amount (min Rs. 500)

Late PaymentRs. 0 – Rs. 1,300 (based on outstanding)

Who Should Apply?

Good fit if you...

+ Spend on cashback regularly

+ Want a no-fee card

+ Have a good credit score (750+)

+ Earn Rs.0.3L+ annually

Skip if you...

- Travel internationally often (high forex markup)

- Carry a balance month-to-month

- Are a first-time credit card user

- Already have a similar card

Frequently Asked Questions

What is the annual fee of Standard Chartered Smart Credit Card?

Standard Chartered Smart Credit Card is a lifetime free card with zero annual fee.

What is the reward rate on Standard Chartered Smart Credit Card?

Standard Chartered Smart Credit Card offers 1. Check the benefits section above for category-specific accelerators.

How to apply for Standard Chartered Smart Credit Card?

You can apply online through SC's website. Eligibility requires a credit score of 750+ and income as per bank criteria. Click the Apply button on this page for a direct, unbiased apply link.

Applying via CreditIQ

Zero affiliate bias. We show all cards equally — ranked by value, not commission.

Apply Now Compare with other cards

Quick facts

Annual feeFree

NetworkVisa/Mastercard

BankSC

Other SC cards

Standard Chartered Ultimate

Rs.5,000 annual fee

Standard Chartered DigiSmart

Rs.49 annual fee