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Standard Chartered · Standard Chartered
Smart vs Platinum Rewards
Side-by-side. The card that earns more depends on where you spend, Tapwise crunches the actual numbers for your wallet.
Winner
52composite score
95% rule confidence
95% rule confidence
Winner
47composite score
95% rule confidence
95% rule confidence
Annual fee
₹499
₹250
Network
Mastercard
Mastercard
Base reward rate
2%
1%
Min. income (monthly)
₹25,000
₹20,000
Min. credit score
700+
700+
Best for
Online shopping
Dining
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
Smart52
Platinum Rewards47
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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