Cashback Credit Card
Rs 999Annual fee
Rs 2,00,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
Online, Cashback
Top rewards
Online Spends: 5% cashback; Offline Spends: 1% cashback
Smart Credit Card
Rs 499Annual fee
Rs 1,20,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
Cashback, Online, Entry Level
Top rewards
Online Retail Spends (excl. Fuel): 2% cashback; Other Eligible Retail Spends (excl. Fuel): 1% cashback
| Feature | Cashback Credit Card | Smart Credit Card |
|---|---|---|
| Issuer | SBI Card | Standard Chartered |
| Network | Visa, Mastercard | Visa |
| Joining fee | Rs 999 | Rs 499 |
| Annual fee | Rs 999 | Rs 499 |
| Fee waiver spend | Rs 2,00,000 | Rs 1,20,000 |
| Reward type | Cashback | Cashback |
| Best for | Online, Cashback | Cashback, Online, Entry Level |
| Top reward categories | Online Spends: 5% cashback; Offline Spends: 1% cashback | Online Retail Spends (excl. Fuel): 2% cashback; Other Eligible Retail Spends (excl. Fuel): 1% cashback |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Not Listed | Renewal fee waived on annual spends of ₹1,20,000 or more in the previous year |
| Redemption | Not Listed | Statement credit: upto ₹ 1 per point |
| Key exclusions | utilities, insurance, fuel, rent, wallet loads, school and educational services | Fuel transactions, Cash withdrawal / cash advance transactions, Fees and charges (including annual fee and finance charges) |