Which card has the lower annual fee?

IndusInd Legend 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?

IndusInd Legend 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.

Side-by-side · honest numbers

IndusInd Legend Credit Card vs SBI SimplyCLICK vs Standard Chartered Smart Card

Honest side-by-side comparison of IndusInd Legend Credit Card, SBI SimplyCLICK, 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 SBI SimplyCLICK by about ₹1,950/yr.

IndusInd Legend Credit Card vs SBI SimplyCLICK vs Standard Chartered Smart Card comparison table
Feature	IndusInd Legend Credit Card IndusInd Bank	SBI SimplyCLICK SBI Card	Standard Chartered Smart Card Standard Chartered
Annual fee	₹0	₹499	₹499
Min income (monthly)	₹20,000	₹20,000	₹30,000
Top reward rate	1 reward point/₹100	10X points	2% cashback
Net annual value (moderate spend)	₹834/yr	₹1,781/yr	₹3,731/yr
Secured / FD-backed	No	No	No
Signup bonus	—	₹500	—

Frequently asked questions

Which card has the lower annual fee?: IndusInd Legend 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?: IndusInd Legend 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.

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Your adjusted comparison

Feature	IndusInd BankGold IndusInd Legend Credit Card •••• •••• •••• 4242 Quick facts IndusInd Legend Credit Card Top reward1 reward point/₹100 Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IndusInd Legend Credit Card IndusInd Bank	SBI CardGold SBI SimplyCLICK •••• •••• •••• 4242 Quick facts SBI SimplyCLICK Top reward10X points Annual fee₹499 Min income₹20,000/mo Tap to flip back SBI SimplyCLICK SBI Card	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
Annual fee	₹0	₹499	₹499
Min income	₹20,000	₹20,000	₹30,000
Top reward rate	1 reward point/₹100	10X points	2% cashback
Net value (moderate)	₹834/yr	₹1,781/yr	₹3,731/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	₹500	—

IndusInd Legend Credit Card details →SBI SimplyCLICK details →Standard Chartered Smart Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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