Which card has the lower annual fee?

AU Altura Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

Standard Chartered Smart Card leads with an estimated ₹3,731/yr net annual value on moderate spend.

Which card has the lower income requirement?

AU Altura Credit Card lists a minimum monthly income of ₹15,000.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

American Express SmartEarn Credit Card vs AU Altura Credit Card vs Standard Chartered Smart Card

Honest side-by-side comparison of American Express SmartEarn Credit Card, AU Altura Credit Card, Standard Chartered Smart Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

At a glance (moderate spend)

Quick verdict: On moderate spend, Standard Chartered Smart Card ranks first for estimated net annual value — ahead of AU Altura Credit Card by about ₹1,811/yr.

American Express SmartEarn Credit Card vs AU Altura Credit Card vs Standard Chartered Smart Card comparison table
Feature	American Express SmartEarn Credit Card American Express	AU Altura Credit Card AU Small Finance Bank	Standard Chartered Smart Card Standard Chartered
Fees & eligibility
Annual fee	₹495	Lifetime free	₹499
Fee waiver threshold	Waived at ₹40,000/yr spend	Lifetime free	No waiver published
Min income	₹25,000/mo	₹15,000/mo	₹30,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹1,650/yr	₹1,920/yr	₹3,731/yr
Online shopping	5 pts per ₹25 spend → ₹25/mo (₹300/yr) (cap hit)	—	2% cashback → ₹200/mo (₹2,400/yr)
Utilities & bills	—	2% cashback → ₹80/mo (₹960/yr)	—
Top reward rate	10X Membership Rewards	2% cashback	2% cashback
Primary reward cap	₹500 eligible spend/mo	No monthly cap published	No monthly cap published
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	Fuel · Insurance · Utilities · EMI · Rent	EMI · Fuel · Rent	EMI · Fuel · Rent
Bonuses
Signup bonus	—	—	—

Frequently asked questions

Which card has the lower annual fee?: AU Altura Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: Standard Chartered Smart Card leads with an estimated ₹3,731/yr net annual value on moderate spend.
Which card has the lower income requirement?: AU Altura Credit Card lists a minimum monthly income of ₹15,000.
Does this comparison pull my credit score?: No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Customize your spend

Change spend profile or swap cards — results update live below.

Card 1

American Express SmartEarn Credit Card

American Express

Card 2

AU Altura Credit Card

AU Small Finance Bank

Card 3

Standard Chartered Smart Card

Standard Chartered

Your adjusted comparison

Feature	American ExpressGold American Express SmartEarn Credit Card •••• •••• •••• 4242 Quick facts American Express SmartEarn Credit Card Top reward10X Membership Rewards Annual fee₹495 Min income₹25,000/mo Tap to flip back American Express SmartEarn Credit Card American Express	AU Small Finance BankClassic AU Altura Credit Card •••• •••• •••• 4242 Quick facts AU Altura Credit Card Top reward2% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back AU Altura Credit Card AU Small Finance Bank	Standard CharteredGold Standard Chartered Smart Card •••• •••• •••• 4242 Quick facts Standard Chartered Smart Card Top reward2% cashback Annual fee₹499 Min income₹30,000/mo Tap to flip back Standard Chartered Smart Card Standard Chartered
Fees & eligibility
Annual fee	₹495	Lifetime free	₹499
Fee waiver threshold	Waived at ₹40,000/yr spend	Lifetime free	No waiver published
Min income	₹25,000/mo	₹15,000/mo	₹30,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹1,650/yr	₹1,920/yr	₹3,731/yr
Online shopping	5 pts per ₹25 spend → ₹25/mo (₹300/yr) (cap hit)	—	2% cashback → ₹200/mo (₹2,400/yr)
Utilities & bills	—	2% cashback → ₹80/mo (₹960/yr)	—
Top reward rate	10X Membership Rewards	2% cashback	2% cashback
Primary reward cap	₹500 eligible spend/mo	No monthly cap published	No monthly cap published
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	Fuel · Insurance · Utilities · EMI · Rent	EMI · Fuel · Rent	EMI · Fuel · Rent
Bonuses
Signup bonus	—	—	—

American Express SmartEarn Credit Card details →AU Altura Credit Card details →Standard Chartered Smart Card details →

Share this comparison

https://cardhungry.com/in/en/compare/amex-smartearn-vs-au-altura-vs-sc-smart

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More American Express SmartEarn Credit Card comparisons