Smart Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: Standard Chartered Bank
Network: Visa | Tier: Entry
10% cashback dining
Why Choose the Smart Credit Card?
The Smart Credit Card is a Entry-tier Visa credit card issued by Standard Chartered Bank, rated 4.4/5 by the Credit Card Hunt editorial team. It is best suited for Dining users. With a reward rate of 10% dining cashback and an annual fee of ₹499, it ranks among the popular Entry-level cards in India in 2026.
New cardholders are welcomed with None, which adds immediate value in the first year and helps recover the ₹499 joining fee.
Smart Credit Card Fees & Charges
| Annual Fee | ₹499 |
|---|---|
| Joining Fee | ₹499 |
| Interest Rate | 3.75% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
Smart Credit Card Rewards & Benefits
| Reward Rate | 10% dining cashback |
|---|---|
| Welcome Bonus | None |
| Lounge Access | None |
| Best For | Dining users |
Key Highlights of the Smart Credit Card
- 10% cashback dining
- 10% dining cashback
Smart Credit Card Eligibility Criteria
- Age: 21-65 years
- CIBIL score: 700+
- Minimum income: ₹2,50,000/year
Minimum Income Required: ₹2,50,000/year
Advantages of the Smart Credit Card
- Dining cashback
Drawbacks of the Smart Credit Card
- Capped rewards
Smart Credit Card — Frequently Asked Questions
What is the annual fee of the Smart Credit Card?
The Smart Credit Card has an annual fee of ₹499 and a joining fee of ₹499. New cardholders receive None as a welcome benefit, which helps offset the joining cost.
Does the Smart Credit Card offer airport lounge access?
No, the Smart Credit Card does not include complimentary airport lounge access. If lounge access matters to you, compare travel cards on CreditCardHunt.in.
Who is eligible for the Smart Credit Card?
The minimum income requirement is ₹2,50,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the Smart Credit Card?
The Smart Credit Card earns 10% dining cashback. It is best suited for Dining users.
Credit Cards Similar to the Smart Credit Card
If you are considering the Smart Credit Card, these entry-level credit cards are worth comparing before you apply:
- SBI Cashback Card (Visa) by State Bank of India (SBI) — rated 4.7/5, ₹999 annual fee
- ACE Credit Card by Axis Bank — rated 4.6/5, ₹499 annual fee
- IDFC FIRST Select Credit Card by IDFC First Bank — rated 4.5/5, NIL annual fee
- RBL ShopRite Credit Card by RBL Bank — rated 4.4/5, ₹500 annual fee
Expert Rating: 4.4/5