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SBI Card MILES vs Standard Chartered Smart Card

Honest side-by-side comparison of SBI Card MILES, 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

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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.

SBI Card MILES

SBI Card

Standard Chartered Smart Card

Standard Chartered

Your adjusted comparison

Feature
SBI Card MILES credit card

SBI Card MILES

SBI Card

Standard Chartered Smart Card credit card

Standard Chartered Smart Card

Standard Chartered

Fees & eligibility
Annual fee₹1,499₹499
Fee waiver thresholdWaived at ₹3,00,000/yr spendNo waiver published
Min income₹35,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹1,020/yr₹2,831/yr
Online shopping—₹8,000 × 2% = ₹160/mo (₹1,920/yr)
Travel₹3,000 → 180 pts/mo × ₹0.25/pt = ₹45/mo (₹540/yr)—
Top reward rateAccelerated travel points2% cashback
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge access4 domestic airport lounge visits per year · No minimum spend required for lounge accessNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsFuel · Rent · Wallet · EMIEMI · Fuel · Rent
Bonuses
Signup bonus₹2,000—

Stack mode (hold both)

Cap-aware split: ~₹3,041/yr combined NAV (₹210 vs best solo). Both annual fees apply.

SBI Card MILES 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 SBI Card MILES by about ₹1,811/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

SBI Card MILES vs Standard Chartered Smart Card comparison table
FeatureSBI Card MILES

SBI Card

Standard Chartered Smart Card

Standard Chartered

Fees & eligibility
Annual fee₹1,499₹499
Fee waiver thresholdWaived at ₹3,00,000/yr spendNo waiver published
Min income₹35,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹1,020/yr₹2,831/yr
Online shopping—₹8,000 × 2% = ₹160/mo (₹1,920/yr)
Travel₹3,000 → 180 pts/mo × ₹0.25/pt = ₹45/mo (₹540/yr)—
Top reward rateAccelerated travel points2% cashback
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge access4 domestic airport lounge visits per year · No minimum spend required for lounge accessNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsFuel · Rent · Wallet · EMIEMI · Fuel · Rent
Bonuses
Signup bonus₹2,000—

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 ₹2,831/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.

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