Standard Chartered Smart
Entry tier alternative — flat 2% on online spends.
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5-year value calculator
How much Standard Chartered Smart actually pays you over time, net of annual fees.
Includes 40% in this card's boost category, 60% general spend.
Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.
Reward rates
What you earn back, by category.
₹500 Amazon voucher on first 30-day spend
What you get
- 2% cashback on online spends (capped at ₹100/month)
- 1% cashback on offline + bill payments
- 1% fuel surcharge waiver
- Up to 15% off on partner restaurants (EazyDiner)
Eligibility
These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.
Best SaaS to pay with the Standard Chartered Smart
The SaaS subscriptions where Standard Chartered Smart earns the most for you — ranked by net annual savings vs a default 3.5%-forex retail card. If your stack covers all six, the modelled savings stack to ≈ ₹3,060/yr.
Trello
2% rewards on productivity category — better than the 1% default.
PostHog
2% rewards on marketing category — better than the 1% default.
Notion
2% rewards on productivity category — better than the 1% default.
Monday.com
2% rewards on productivity category — better than the 1% default.
Mailchimp
2% rewards on marketing category — better than the 1% default.
Klaviyo
2% rewards on marketing category — better than the 1% default.
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Axis ACE
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Bill payments + utilities + fuel — set-and-forget cashback