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| Feature | Standard Chartered India Standard Chartered Smart Credit Card | BOBCARD BOBCARD Cashback Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | Standard Chartered India | BOBCARD |
| Network | Visa | Mastercard |
| Annual fee | ₹499 + GST per year | ₹499 + GST per year |
| Annual fee waiver | At ₹1,20,000 annual spending | No waiver recorded |
| 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 | 2% · Eligible online cashback | 1% · Qualified online cashback bonus |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | Online cashback: ₹1,000/statement cycle · Other eligible cashback: ₹500/statement cycle | Incremental online cashback: ₹1,500/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 | Not listed | Approx. ₹25,000/month salaried · ₹30,000/month self-employed |
| Terms verified | 24 Sept 2026 | 23 Sept 2026 |
| Best suited to | Online shoppers who want straightforward cashback without relying on named merchants. | Online shoppers who can meet the four-transaction condition and want automatic statement cashback. |
| Main trade-off | 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. | 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. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
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