Which card has the lower annual fee?

slice credit card has a ₹0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

slice credit card leads with an estimated ₹3,240/yr net annual value on moderate spend.

Which card has the lower income requirement?

slice credit card lists a minimum monthly income of ₹15,000.

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

Standard Chartered Smart Card vs slice credit card

Honest side-by-side comparison of Standard Chartered Smart Card, slice credit 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

Standard Chartered Smart Card

Standard Chartered

Card 2

slice credit card

Slice

Your adjusted comparison

Feature	Standard Chartered Smart Card Standard Chartered	slice credit card Slice
Fees & eligibility
Annual fee	₹499	Lifetime free
Fee waiver threshold	No waiver published	Lifetime free
Min income	₹30,000/mo	₹15,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹2,831/yr	₹3,240/yr
Online shopping	₹8,000 × 2% = ₹160/mo (₹1,920/yr)	—
Top reward rate	2% cashback	Up to 1% cashback
Primary reward cap	No monthly cap published	₹500 rewards/mo cap
UPI rewards	Not supported (Visa/MC)	Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap
Key exclusions	EMI · Fuel · Rent	Rent · Wallet loads · EMI
Bonuses
Signup bonus	—	—

Stack mode (hold both)

Cap-aware split: ~₹3,401/yr combined NAV (₹161 vs best solo). Both annual fees apply.

Standard Chartered Smart Card details →slice credit card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, slice credit card leads Standard Chartered Smart Card by about ₹409/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

Standard Chartered Smart Card vs slice credit card comparison table
Feature	Standard Chartered Smart Card Standard Chartered	slice credit card Slice
Fees & eligibility
Annual fee	₹499	Lifetime free
Fee waiver threshold	No waiver published	Lifetime free
Min income	₹30,000/mo	₹15,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹2,831/yr	₹3,240/yr
Online shopping	₹8,000 × 2% = ₹160/mo (₹1,920/yr)	—
Top reward rate	2% cashback	Up to 1% cashback
Primary reward cap	No monthly cap published	₹500 rewards/mo cap
UPI rewards	Not supported (Visa/MC)	Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap
Key exclusions	EMI · Fuel · Rent	Rent · Wallet loads · EMI
Bonuses
Signup bonus	—	—

Frequently asked questions

Which card has the lower annual fee?: slice credit card has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: slice credit card leads with an estimated ₹3,240/yr net annual value on moderate spend.
Which card has the lower income requirement?: slice credit card lists a minimum monthly income of ₹15,000.
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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