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| Feature | Standard Chartered India Standard Chartered Smart Credit Card | HDFC Bank HDFC Bank PIXEL Go Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | Standard Chartered India | HDFC Bank |
| Network | Visa | Visa + RuPay |
| Annual fee | ₹499 + GST per year | ₹250 + GST per year |
| Annual fee waiver | At ₹1,20,000 annual spending | At ₹50,000 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 | 2% · Eligible online cashback | 1% · Eligible SmartBuy cashback |
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 | SmartBuy CashPoints: ₹500/month · RuPay UPI CashPoints: ₹500/month · Ordinary CashPoints: ₹15,000/month |
| RuPay credit card on UPI | Not eligible | Eligible for merchant UPI payments |
| 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. ₹12,000/month salaried · ₹50,000/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. | Digital-first users seeking a low-fee HDFC card with optional RuPay UPI support. |
| 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. | SmartBuy and UPI each have separate ₹500 monthly caps; ordinary cashback has a ₹15,000 monthly ceiling. Transactions below ₹100 and multiple regulated categories earn nothing. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
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