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Standard Chartered · Standard Chartered
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
45composite score
95% rule confidence
95% rule confidence
Winner
52composite score
95% rule confidence
95% rule confidence
Annual fee
₹1,000
₹499
Network
Visa
Mastercard
Base reward rate
1%
2%
Min. income (monthly)
₹40,000
₹25,000
Min. credit score
720+
700+
Best for
Online shopping
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.
- Lighter annual fee, ₹499 vs ₹1,000.
- Easier to qualify, ₹25,000/mo income gets you in versus ₹40,000/mo.
Composite score
Rewards45
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.
Tapwise watches caps, exclusions, and stacked offers in real time, and tells you which card to swipe before you tap.