SBI Card Cashback vs Standard Chartered DigiSmart
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SBI Card
Cashback
Standard Chartered
DigiSmart
| Detail | SBI Card Cashback | Standard Chartered DigiSmart |
|---|---|---|
| Annual fee | ₹999 | ₹49 |
| Joining fee | ₹999 | ₹49 |
| Income requirement | 6 LPA | 3 LPA |
| online rewards | 5% | 5% |
| all rewards | 1% | - |
| Lounge access | - | - |
| Benefits | Yatra Discounts | Cashback, Fuel Surcharge Waiver, EMI Facility |
Verdict
Standard Chartered DigiSmart ranks above SBI Card Cashback for online spends (5.0% effective reward rate vs 5.0% effective reward rate; annual fee ₹49 vs annual fee ₹999). The score nets the annual fee against rewards, so the better pick depends on how much you spend.
Frequently asked questions
- Which has the lower annual fee, SBI Card Cashback or Standard Chartered DigiSmart?
- SBI Card Cashback charges ₹999 and Standard Chartered DigiSmart charges ₹49 per year.
- Which card has the higher reward rate?
- SBI Card Cashback peaks at about 5.0% and Standard Chartered DigiSmart at about 5.0% effective rewards.
- Which card offers more lounge access?
- SBI Card Cashback lists 0 lounge program(s); Standard Chartered DigiSmart lists 0.
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