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Standard Chartered · Standard Chartered
Platinum Rewards vs Smart
Side-by-side. The card that earns more depends on where you spend, Tapwise crunches the actual numbers for your wallet.
Winner
47composite score
95% rule confidence
95% rule confidence
Winner
52composite score
95% rule confidence
95% rule confidence
Annual fee
₹250
₹499
Network
Mastercard
Mastercard
Base reward rate
1%
2%
Min. income (monthly)
₹20,000
₹25,000
Min. credit score
700+
700+
Best for
Dining
Online shopping
Bonus reward categories differ, see the rule tables on each card's detail page for the fine print.
Tapwise verdict
Smart edges out for most wallets.
- Better base rate, 2% vs 1% on everything outside a bonus bucket.
Composite score
Platinum Rewards47
Smart52
Scored on fee, base rate, qualification, and rule confidence. Tapwise's personal recommendation also weighs your actual spending.
Pick the right one for every purchase, automatically.
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