Standard Chartered 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
American Express SmartEarn Credit Card
Rs 495Annual fee
Rs 40,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
online, entry level, shopping, amazon, zomato
Top rewards
partner merchants: 10 Membership Rewards Points / Rs 50 spent on select 10X merchants; amazon: 5 Membership Rewards Points / Rs 50 spent on Amazon; retail: 1 Membership Rewards Point / Rs 50 spent on other eligible spends
| Feature | Standard Chartered Smart Credit Card | American Express SmartEarn Credit Card |
|---|---|---|
| Issuer | Standard Chartered | American Express |
| Network | Visa | American Express |
| Joining fee | Rs 499 | Rs 495 |
| Annual fee | Rs 499 | Rs 495 |
| Fee waiver spend | Rs 1,20,000 | Rs 40,000 |
| Reward type | cashback | membership rewards |
| Best for | cashback, online, entry level | online, entry level, shopping, amazon, zomato |
| Top reward categories | Online retail spends (excl. fuel): 2% cashback; Other eligible retail spends (excl. fuel): 1% cashback | partner merchants: 10 Membership Rewards Points / Rs 50 spent on select 10X merchants; amazon: 5 Membership Rewards Points / Rs 50 spent on Amazon; retail: 1 Membership Rewards Point / Rs 50 spent on other eligible spends |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Renewal fee waived on annual spends of Rs 1,20,000 or more in the previous year | Vouchers worth Rs 500 each on reaching spends of Rs 1.20 lakh, Rs 1.80 lakh, and Rs 2.40 lakh in a cardmembership year |
| Redemption | Statement credit: upto Rs 1 per point | Air miles: upto Rs 0.6 per point; Statement credit: upto Rs 0.25 per point |
| Key exclusions | Fuel transactions, Cash withdrawal / cash advance transactions, Fees and charges (including annual fee and finance charges) | fuel, insurance, utilities, cash transactions, EMI conversion at point of sale, balance transfers |