Standard Chartered Smart Credit Card

Standard Chartered Smart Credit Card

A clean, low-fuss flat-cashback card — 2% on every online purchase with no merchant list, 1% offline, and an unusually generous cap (₹1,000 of online cashback a month, i.e. ₹50,000 of online spend). At a ₹499 fee that waives at ₹1.2 lakh, it's a fair no-thinking online card. The honest catch isn't the cap, it's the rate: 2% is middling next to the SBI Cashback's 5% online, so hold the Smart for unrestricted breadth, not headline rate.

Standard Chartered DigiSmart Credit Card

The DigiSmart has one of the smartest fee models in Indian credit cards — no annual fee, just ₹49/month, reversed the moment you spend ₹5,000 — wrapped around sharp partner discounts on delivery, groceries, movies and rides. There are no reward points at all, so it lives or dies on whether you actually use Blinkit, Zomato, Ola and INOX.

Standard Chartered Super Value Titanium Credit Card

A focused, low-drama supplementary card that does exactly what the name says — earns 5% on petrol and 5% on household bills (via SC Billpay), at a fee low enough to make the maths work simply. The welcome offer (100% cashback up to ₹1,500 on fuel in 90 days) can cover the ₹885 all-in first-year fee about 1.7 times over. Not a primary card, not a high earner outside its two categories — a clean, cheap specialist for the recurring spending that most cards ignore.

Standard Chartered Rewards Credit Card

Standard Chartered's mainstream points card, and one of the few in its India range on the Mastercard rail. It earns 4 reward points per ₹150 on retail, plus 4 bonus points per ₹150 on the retail beyond ₹20,000 a cycle — but at SC's own stated 25 paisa a point, that headline '4X' is really 0.67%, with a 1.33% marginal rate on the excess until the bonus caps out around ₹95,000 of total retail. No joining fee, a quarterly lounge visit, zero on fuel, and no way to apply online.

Standard Chartered Manhattan Platinum Credit Card

One of the few Indian cards that pays a real rate on the weekly shop — 5% cashback on supermarkets, groceries and departmental stores. The cap defines it: ₹500 a month, reached at roughly ₹10,000 of grocery spend, with a ₹1,000 minimum per transaction. Fill it and the ₹999 fee is cleared on groceries alone; fall short and the maths thins fast.

Standard Chartered Platinum Rewards Credit Card

Standard Chartered's zero-fee entry card, and the version issued today is the 'instant' variant the bank confirms carries nil fees. It earns 5 points per ₹150 on dining and — unusually — on fuel, with no monthly cap, and a token 1 point per ₹150 elsewhere. At SC's own 25-paisa point value that's 0.83% and 0.17%. Thin, but free, and rewarding petrol at all makes it rare.