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?

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 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.

Side-by-side · honest numbers

IndusInd Bank Platinum Credit Card vs Standard Chartered Smart Card

Honest side-by-side comparison of 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, Standard Chartered Smart Card leads IndusInd Bank Platinum Credit Card by about ₹3,751/yr in estimated net value.

IndusInd Bank Platinum Credit Card vs Standard Chartered Smart Card comparison table
Feature	IndusInd Bank Platinum 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)	-₹20/yr	₹3,731/yr
Online shopping	—	2% cashback → ₹200/mo (₹2,400/yr)
Top reward rate	1 reward point/₹150	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 Bank Platinum 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 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.

Card 1

IndusInd Bank Platinum Credit Card

IndusInd Bank

Card 2

Standard Chartered Smart Card

Standard Chartered

Your adjusted comparison

Feature	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	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)	-₹20/yr	₹3,731/yr
Online shopping	—	2% cashback → ₹200/mo (₹2,400/yr)
Top reward rate	1 reward point/₹150	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	—	—

IndusInd Bank Platinum Credit Card details →Standard Chartered Smart Card details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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