Standard Chartered · Entry
Smart Credit Card
Where it ranks across all 187 cards
#43 Online shopping
2.0%
direct
#19 EMI
1.0%
direct
#22 Wallet load
1.0%
direct
#28 Education
1.0%
direct
#29 Insurance
1.0%
direct
#36 Utility bills
1.0%
direct
#50 Jewellery & watches
1.0%
direct
#57 Gaming
1.0%
direct
#62 Mobile / broadband
1.0%
direct
#69 Train tickets
1.0%
direct
#73 Cabs & transit
1.0%
direct
#76 Other
1.0%
direct
#78 Health & pharmacy
1.0%
direct
#81 Electronics
1.0%
direct
#89 Hotels
1.0%
direct
#90 Flights
1.0%
direct
#91 Food delivery
1.0%
direct
#91 Movies & events
1.0%
direct
#91 Fashion
1.0%
direct
#96 Groceries
1.0%
direct
#99 Dining out
1.0%
direct
#23 Government / tax
0.1%
direct
Get an email if this card changes - sign in.
Reward rules2 direct
Base rate - everything not covered below
1.00%base rate
1% cashback
source
Source: Standard Chartered - sc.bank.in - read 25 Sep 2026
2% cashback on online spends
2.00%this rule
2% cashback
source
Source: Standard Chartered - sc.bank.in - read 25 Sep 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on1 exclusion
Fuel
earns nothing
Fuel transactions are not eligible for cashback.
→ use IndianOil RBL XTra here (7.5%)