Review published fees, rewards, caps, eligibility and benefits side by side. Return to the catalogue to change your selection.
Compare every selected card in one table.
Swipe sideways to see all 2 cards.
| Feature | BOBCARD BOBCARD Cashback Credit Card | Standard Chartered India Standard Chartered Smart Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | BOBCARD | Standard Chartered India |
| Network | Mastercard | Visa |
| Annual fee | ₹499 + GST per year | ₹499 + GST per year |
| Annual fee waiver | No waiver recorded | At ₹1,20,000 annual spending |
| Base reward rate | 1% | 1% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Online shopping | 1% · Qualified online cashback bonus | 2% · Eligible online cashback |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | Incremental online cashback: ₹1,500/statement cycle | Online cashback: ₹1,000/statement cycle · Other eligible cashback: ₹500/statement cycle |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Approx. ₹25,000/month salaried · ₹30,000/month self-employed | Not listed |
| Terms verified | 23 Sept 2026 | 24 Sept 2026 |
| Best suited to | Online shoppers who can meet the four-transaction condition and want automatic statement cashback. | Online shoppers who want straightforward cashback without relying on named merchants. |
| Main trade-off | The 5% online rate unlocks only after four eligible transactions in the statement cycle and excludes transactions below ₹100. This is a Mastercard, so it does not support RuPay credit-card UPI. | The broad questionnaire cannot distinguish online versus offline execution inside every category, so only the online-shopping category receives 2%; other categories use the conservative 1%. Cashback redemption starts at ₹2,500 and then uses ₹1,000 increments. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
