CardHungry

Side-by-side · honest numbers

IDFC FIRST Select Credit Card vs Standard Chartered Smart Card

Honest side-by-side comparison of IDFC FIRST Select Credit Card, Standard Chartered Smart Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

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

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

IDFC FIRST Select Credit Card

IDFC FIRST Bank

Standard Chartered Smart Card

Standard Chartered

Your adjusted comparison

Feature
IDFC FIRST Select Credit Card

IDFC FIRST Select Credit Card

IDFC FIRST Bank

Standard Chartered Smart Card credit card

Standard Chartered Smart Card

Standard Chartered

Fees & eligibility
Annual feeLifetime free₹499
Fee waiver thresholdLifetime freeNo waiver published
Min income₹30,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹1,381/yr₹2,831/yr
Online shopping—₹8,000 × 2% = ₹160/mo (₹1,920/yr)
Top reward rate3X reward points2% cashback
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge access2 domestic visits/quarter + railway lounges · ₹20,000 spend in previous calendar month per visit block (issuer T&Cs)None
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · RentEMI · Fuel · Rent
Bonuses
Signup bonus——

Stack mode (hold both)

Cap-aware split: ~₹3,102/yr combined NAV (₹271 vs best solo). Both annual fees apply.

IDFC FIRST Select Credit Card details →Standard Chartered Smart Card details →

Share this comparison

https://cardhungry.com/in/en/compare/idfc-first-select-vs-sc-smart

Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Standard Chartered Smart Card leads IDFC FIRST Select Credit Card by about ₹1,450/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

IDFC FIRST Select Credit Card vs Standard Chartered Smart Card comparison table
FeatureIDFC FIRST Select Credit Card

IDFC FIRST Bank

Standard Chartered Smart Card

Standard Chartered

Fees & eligibility
Annual feeLifetime free₹499
Fee waiver thresholdLifetime freeNo waiver published
Min income₹30,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹1,381/yr₹2,831/yr
Online shopping—₹8,000 × 2% = ₹160/mo (₹1,920/yr)
Top reward rate3X reward points2% cashback
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge access2 domestic visits/quarter + railway lounges · ₹20,000 spend in previous calendar month per visit block (issuer T&Cs)None
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · RentEMI · Fuel · Rent
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
IDFC FIRST Select 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 ₹2,831/yr net annual value on moderate spend.
Which card has the lower income requirement?
IDFC FIRST Select Credit 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.

More IDFC FIRST Select Credit Card comparisons