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
SBI 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
| Feature | Standard Chartered Smart Credit Card | SBI Cashback Credit Card |
|---|---|---|
| Issuer | Standard Chartered | SBI Card |
| Network | Visa | Visa, Mastercard |
| Joining fee | Rs 499 | Rs 999 |
| Annual fee | Rs 499 | Rs 999 |
| Fee waiver spend | Rs 1,20,000 | Rs 2,00,000 |
| Reward type | cashback | cashback |
| Best for | cashback, online, entry level | online, cashback |
| Top reward categories | Online retail spends (excl. fuel): 2% cashback; Other eligible retail spends (excl. fuel): 1% cashback | Online spends: 5% cashback; Offline spends: 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 | Renewal fee waived on annual spends of Rs 1,20,000 or more in the previous year | Not listed |
| Redemption | Statement credit: upto Rs 1 per point | Not listed |
| Key exclusions | Fuel transactions, Cash withdrawal / cash advance transactions, Fees and charges (including annual fee and finance charges) | utilities, insurance, fuel, rent, wallet loads, school and educational services |