Showing 2 cards
Best for: Online shoppers, utility bill payments, entry-level users
Smart Credit Card
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on Standard Chartered's website
Annual fee
₹499
#75Rewards rate
₹1.00 - ₹2.00/₹100
#143Joining fee
₹499
#78Interest rate
45.00%
#244 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Beginner, Cashback, Online Shopping
CardNitty's take
Pros
- 2% cashback on all online transactions
- 1% cashback on offline spends
- Up to Rs.18,000 annual cashback (Rs.1,500/month cap)
- Extended 90-day interest-free period for new cardholders
- Never-expiring cashback points
- Low annual fee of Rs.499 with Rs.1.2L waiver
- EMI conversion up to Rs.5 lakh (0.99% p.m.)
- Balance transfer facility available
- Cashback on utilities, groceries, shopping
- Minimal exclusions (only fuel and cash withdrawals)
Cons
- No lounge access (domestic or international)
- No milestone benefits or welcome bonus
- Rs.1,500 monthly cashback cap (Rs.1,000 online + Rs.500 offline)
- Minimum Rs.2,500 balance required for redemption
- High forex markup at 3.5% + GST
- No fuel surcharge waiver
- High interest rate at 45% p.a.
- Rs.99 + GST redemption fee
- Annual fee not waived for first year (for existing SCB customers)
- Joining fee waiver only for new-to-bank customers
Best for: Dining enthusiasts, online shoppers, domestic travelers
BOBCARD Select Credit Card
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on Bank of Baroda's website
Annual fee
₹750
#158Rewards rate
₹0.20 - ₹1.00/₹100
#190Joining fee
₹750
#158Interest rate
42.00%
#108 Card details
Forex Markup
3.50%
#75
Domestic Lounge
2/year
#92
International Lounge
6/year
#26
Min Credit Score
750+
#186
Min Monthly Income ₹25
Categories Dining, Lifestyle, Lounge Access, Online Shopping, Rewards
CardNitty's take
Pros
- 5X rewards on dining and online transactions (max 1,000 points/month)
- 500 welcome bonus points on Rs.5,000 spend in 60 days
- 2 domestic + 6 international lounge visits per year
- Accidental insurance: Rs.15 lakh (Air) + Rs.5 lakh (Non-Air)
- 1% fuel surcharge waiver (Rs.400-5,000, max Rs.250/month)
- Low annual fee of Rs.750 (waivable on Rs.70,000 spend)
- Up to 3 lifetime free add-on cards
- Golf privileges: 4 free rounds + lessons (MasterCard)
- Concierge service for travel & lifestyle assistance
- Complimentary movie tickets and dining offers
Cons
- 5X rewards capped at 1,000 points/month (Rs.20,000 spends)
- Point value is low at Rs.0.20 per point
- Limited lounge access (only 8 total visits/year)
- High 3.5% forex markup for international use
- No lounge access benefit clarity from some sources
- High interest rate of 42% p.a.
- Minimum income requirement of Rs.4.8 lakhs p.a.
- Cash advance fee is 2.5% or Rs.300 minimum
- Joining fee waiver needs Rs.7,500 spend in 60 days
- Limited to standard reward rate on most spends