Question 1

Is Standard Chartered Smart Credit Card worth the ₹499 annual fee?

Accepted Answer

Standard Chartered Smart Credit Card has an annual fee of ₹499. The fee can be waived if you spend ₹1.2l/year. With a base reward rate of 1% (up to 2%),  and a CardTrail Score of 6.6/10, it may suit specific spending patterns.

Question 2

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

Accepted Answer

Standard Chartered Smart Credit Card offers a base reward rate of 1% on regular spends, going up to 2% on select categories. Rewards are earned as Cashback. New cardholders also get a welcome bonus of None.

Question 3

Does Standard Chartered Smart Credit Card have airport lounge access?

Accepted Answer

No, Standard Chartered Smart Credit Card does not include complimentary airport lounge access.

Question 4

What is the forex markup on Standard Chartered Smart Credit Card?

Accepted Answer

Standard Chartered Smart Credit Card charges a 3.5% forex markup on international transactions, plus 18% GST on the markup (effective rate: 4.13%). For international spends, consider zero-forex alternatives like Scapia or IDFC First Wealth.

Question 5

Standard Chartered Smart Credit Card vs Axis Flipkart Credit Card — which is better?

Accepted Answer

Standard Chartered Smart Credit Card (CardTrail Score: 6.6/10) and Axis Flipkart Credit Card (Score: 8.8/10) are both cashback cards. Standard Chartered Smart Credit Card by Standard Chartered has a ₹499 fee with 1% base rewards, while Axis Flipkart Credit Card by Axis has a ₹500 fee with 1.5% base rewards. Use our comparison tool for a detailed side-by-side analysis.

Standard Chartered Smart Credit Card

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