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PhonePe SBI Card PURPLE vs Standard Chartered Smart Card

Honest side-by-side comparison of PhonePe SBI Card PURPLE, 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

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Spend assumptions

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

PhonePe SBI Card PURPLE

SBI Card

Standard Chartered Smart Card

Standard Chartered

Your adjusted comparison

Feature
PhonePe SBI Card PURPLE credit card

PhonePe SBI Card PURPLE

SBI Card

Standard Chartered Smart Card credit card

Standard Chartered Smart Card

Standard Chartered

Fees & eligibility
Annual fee₹499₹499
Fee waiver thresholdWaived at ₹1,00,000/yr spendNo waiver published
Min income₹25,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹3,441/yr₹2,831/yr
Online shopping₹8,000 × 2% = ₹160/mo (₹1,920/yr) · issuer max ₹750/mo₹8,000 × 2% = ₹160/mo (₹1,920/yr)
Utilities & bills₹1,225 × 3% = ₹36.75/mo (₹441/yr) · issuer max ₹750/mo—
Top reward rate3%2% cashback
Primary reward cap₹750 rewards/mo capNo monthly cap published
UPI rewardsEarns: 3% on PhonePe app spends (1% base on other UPI apps) · cap 250 pts/mo insurance + 750 pts/mo other PhonePe spendsNot supported (Visa/MC)
Key exclusionsFuel · Wallet top-ups · Rent · EMI · Cash advanceEMI · Fuel · Rent
Bonuses
Signup bonus₹500—

Stack mode (hold both)

Cap-aware split: ~₹3,671/yr combined NAV (₹230 vs best solo). Both annual fees apply.

PhonePe SBI Card PURPLE details →Standard Chartered Smart Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, PhonePe SBI Card PURPLE leads Standard Chartered Smart Card by about ₹610/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

PhonePe SBI Card PURPLE vs Standard Chartered Smart Card comparison table
FeaturePhonePe SBI Card PURPLE

SBI Card

Standard Chartered Smart Card

Standard Chartered

Fees & eligibility
Annual fee₹499₹499
Fee waiver thresholdWaived at ₹1,00,000/yr spendNo waiver published
Min income₹25,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹3,441/yr₹2,831/yr
Online shopping₹8,000 × 2% = ₹160/mo (₹1,920/yr) · issuer max ₹750/mo₹8,000 × 2% = ₹160/mo (₹1,920/yr)
Utilities & bills₹1,225 × 3% = ₹36.75/mo (₹441/yr) · issuer max ₹750/mo—
Top reward rate3%2% cashback
Primary reward cap₹750 rewards/mo capNo monthly cap published
UPI rewardsEarns: 3% on PhonePe app spends (1% base on other UPI apps) · cap 250 pts/mo insurance + 750 pts/mo other PhonePe spendsNot supported (Visa/MC)
Key exclusionsFuel · Wallet top-ups · Rent · EMI · Cash advanceEMI · Fuel · Rent
Bonuses
Signup bonus₹500—

Frequently asked questions

Which card has the lower annual fee?
PhonePe SBI Card PURPLE has the lowest annual fee at ₹499.
Which card earns more on moderate spend?
PhonePe SBI Card PURPLE leads with an estimated ₹3,441/yr net annual value on moderate spend.
Which card has the lower income requirement?
PhonePe SBI Card PURPLE lists a minimum monthly income of ₹25,000.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

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