Which card has the lower annual fee?

Standard Chartered Smart Card has the lowest annual fee at ₹499.

Which card earns more on moderate spend?

HSBC Cashback Credit Card leads with an estimated ₹7,941/yr net annual value on moderate spend.

Which card has the lower income requirement?

Standard Chartered Smart Card lists a minimum monthly income of ₹30,000.

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

HSBC Cashback Credit Card vs Standard Chartered Smart Card vs YES Bank Marquee Credit Card

Honest side-by-side comparison of HSBC Cashback Credit Card, Standard Chartered Smart Card, YES Bank Marquee Credit 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, HSBC Cashback Credit Card ranks first for estimated net annual value — ahead of Standard Chartered Smart Card by about ₹4,210/yr.

HSBC Cashback Credit Card vs Standard Chartered Smart Card vs YES Bank Marquee Credit Card comparison table
Feature	HSBC Cashback Credit Card HSBC	Standard Chartered Smart Card Standard Chartered	YES Bank Marquee Credit Card YES Bank
Annual fee	₹999	₹499	₹999
Min income (monthly)	₹40,000	₹30,000	₹40,000
Top reward rate	10%	2% cashback	4 RP/₹150
Net annual value (moderate spend)	₹7,941/yr	₹3,731/yr	₹204/yr
Secured / FD-backed	No	No	No
Signup bonus	—	—	—

Frequently asked questions

Which card has the lower annual fee?: Standard Chartered Smart Card has the lowest annual fee at ₹499.
Which card earns more on moderate spend?: HSBC Cashback Credit Card leads with an estimated ₹7,941/yr net annual value on moderate spend.
Which card has the lower income requirement?: Standard Chartered Smart Card lists a minimum monthly income of ₹30,000.
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.

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Your adjusted comparison

Feature	HSBCGold HSBC Cashback Credit Card •••• •••• •••• 4242 Quick facts HSBC Cashback Credit Card Top reward10% Annual fee₹999 Min income₹40,000/mo Tap to flip back HSBC Cashback Credit Card HSBC	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	YES BankPlatinum YES Bank Marquee Credit Card •••• •••• •••• 4242 Quick facts YES Bank Marquee Credit Card Top reward4 RP/₹150 Annual fee₹999 Min income₹40,000/mo Tap to flip back YES Bank Marquee Credit Card YES Bank
Annual fee	₹999	₹499	₹999
Min income	₹40,000	₹30,000	₹40,000
Top reward rate	10%	2% cashback	4 RP/₹150
Net value (moderate)	₹7,941/yr	₹3,731/yr	₹204/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	—	—

HSBC Cashback Credit Card details →Standard Chartered Smart Card details →YES Bank Marquee Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HSBC Cashback Credit Card comparisons