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?

Standard Chartered Smart Card leads with an estimated ₹3,731/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

Kotak White Credit Card vs Standard Chartered Smart Card

Honest side-by-side comparison of Kotak White 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 Kotak White Credit Card by about ₹3,651/yr in estimated net value.

Kotak White Credit Card vs Standard Chartered Smart Card comparison table
Feature	Kotak White Credit Card Kotak Mahindra Bank	Standard Chartered Smart Card Standard Chartered
Fees & eligibility
Annual fee	₹3,000	₹499
Fee waiver threshold	Waived at ₹4,00,000/yr spend	No waiver published
Min income	₹50,000/mo	₹30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹80/yr	₹3,731/yr
Online shopping	—	2% cashback → ₹200/mo (₹2,400/yr)
Travel	2 pts per ₹150 spend → ₹17/mo (₹200/yr)	—
Top reward rate	2X reward points	2% cashback
Primary reward cap	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	Domestic lounge access — verify visit count on issuer site	None
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?: Standard Chartered Smart Card has the lowest annual fee at ₹499.
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?: 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.

Card 1

Kotak White Credit Card

Kotak Mahindra Bank

Card 2

Standard Chartered Smart Card

Standard Chartered

Your adjusted comparison

Feature	Kotak Mahindra BankPlatinum Kotak White Credit Card •••• •••• •••• 4242 Quick facts Kotak White Credit Card Top reward2X reward points Annual fee₹3,000 Min income₹50,000/mo Tap to flip back Kotak White Credit Card Kotak Mahindra 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	₹3,000	₹499
Fee waiver threshold	Waived at ₹4,00,000/yr spend	No waiver published
Min income	₹50,000/mo	₹30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹80/yr	₹3,731/yr
Online shopping	—	2% cashback → ₹200/mo (₹2,400/yr)
Travel	2 pts per ₹150 spend → ₹17/mo (₹200/yr)	—
Top reward rate	2X reward points	2% cashback
Primary reward cap	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	Domestic lounge access — verify visit count on issuer site	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	EMI · Fuel · Rent
Bonuses
Signup bonus	—	—

Kotak White 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

More Kotak White Credit Card comparisons