Side-by-side · honest numbers
Axis Bank Privilege Credit Card vs IndusInd Bank Platinum Credit Card vs Standard Chartered Smart Card
Honest side-by-side comparison of Axis Bank Privilege Credit Card, IndusInd Bank Platinum 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, Axis Bank Privilege Credit Card ranks first for estimated net annual value — ahead of Standard Chartered Smart Card by about ₹8,707/yr.
| Feature | Axis Bank Privilege Credit Card Axis Bank | IndusInd Bank Platinum Credit Card IndusInd Bank | Standard Chartered Smart Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹1,500 | Lifetime free | ₹499 |
| Fee waiver threshold | Waived at ₹2,50,000/yr spend | Lifetime free | No waiver published |
| Min income | ₹35,000/mo | ₹20,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹12,438/yr | -₹20/yr | ₹3,731/yr |
| Online shopping | — | — | 2% cashback → ₹200/mo (₹2,400/yr) |
| Travel | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — | — |
| Top reward rate | 2 EDGE miles/₹150 | 1 reward point/₹150 | 2% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹12,500 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- IndusInd Bank Platinum Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- Axis Bank Privilege Credit Card leads with an estimated ₹12,438/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- IndusInd Bank Platinum Credit Card lists a minimum monthly income of ₹20,000.
- 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.
Axis Bank Privilege Credit Card
Axis Bank
IndusInd Bank Platinum Credit Card
IndusInd Bank
Standard Chartered Smart Card
Standard Chartered
Your adjusted comparison
| Feature | Axis BankPlatinum Axis Bank Privilege Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Privilege Credit Card Top reward2 EDGE miles/₹150 Annual fee₹1,500 Min income₹35,000/mo Tap to flip back Axis Bank Privilege Credit Card Axis Bank | IndusInd BankPlatinum IndusInd Bank Platinum Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Platinum Credit Card Top reward1 reward point/₹150 Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IndusInd Bank Platinum Credit Card IndusInd 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 | ₹1,500 | Lifetime free | ₹499 |
| Fee waiver threshold | Waived at ₹2,50,000/yr spend | Lifetime free | No waiver published |
| Min income | ₹35,000/mo | ₹20,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹12,438/yr | -₹20/yr | ₹3,731/yr |
| Online shopping | — | — | 2% cashback → ₹200/mo (₹2,400/yr) |
| Travel | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — | — |
| Top reward rate | 2 EDGE miles/₹150 | 1 reward point/₹150 | 2% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹12,500 | — | — |
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