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 ₹2,831/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 Standard Chartered Smart Card

Honest side-by-side comparison of IndusInd Legend 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.

Card 1

IndusInd Legend Credit Card

IndusInd Bank

Card 2

Standard Chartered Smart Card

Standard Chartered

Your adjusted comparison

Feature	IndusInd Legend Credit Card IndusInd Bank	Standard Chartered Smart Card Standard Chartered
Fees & eligibility
Annual fee	Lifetime free	₹499
Fee waiver threshold	Lifetime free	No waiver published
Min income	₹20,000/mo	₹30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹936/yr	₹2,831/yr
Online shopping	—	₹8,000 × 2% = ₹160/mo (₹1,920/yr)
Top reward rate	1 reward point/₹100	2% cashback
Primary reward cap	No monthly cap published	No monthly cap published
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	EMI · Fuel · Rent
Bonuses
Signup bonus	—	—

Stack mode (hold both)

Cap-aware split: ~₹2,933/yr combined NAV (₹102 vs best solo). Both annual fees apply.

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

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Standard Chartered Smart Card leads IndusInd Legend Credit Card by about ₹1,895/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

IndusInd Legend Credit Card vs Standard Chartered Smart Card comparison table
Feature	IndusInd Legend Credit Card IndusInd Bank	Standard Chartered Smart Card Standard Chartered
Fees & eligibility
Annual fee	Lifetime free	₹499
Fee waiver threshold	Lifetime free	No waiver published
Min income	₹20,000/mo	₹30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹936/yr	₹2,831/yr
Online shopping	—	₹8,000 × 2% = ₹160/mo (₹1,920/yr)
Top reward rate	1 reward point/₹100	2% cashback
Primary reward cap	No monthly cap published	No monthly cap published
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	EMI · Fuel · Rent
Bonuses
Signup bonus	—	—

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 ₹2,831/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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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