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.

Side-by-side · honest numbers

Standard Chartered Smart Card vs YES Bank Marquee Credit Card

Honest side-by-side comparison of Standard Chartered Smart Card, YES Bank Marquee 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

YES Bank Marquee Credit Card

YES Bank

Your adjusted comparison

Feature	Standard Chartered Smart Card Standard Chartered	YES Bank Marquee Credit Card YES Bank
Fees & eligibility
Annual fee	₹499	₹9,999
Fee waiver threshold	No waiver published	No waiver published
Min income	₹30,000/mo	₹40,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹2,831/yr	-₹10,839/yr
Online shopping	₹8,000 × 2% = ₹160/mo (₹1,920/yr)	—
Travel	—	₹3,000 → 80 pts/mo × ₹0.25/pt = ₹20/mo (₹240/yr)
Top reward rate	2% cashback	4 RP/₹150
Primary reward cap	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	None	Domestic lounge access · Mid-tier YES card — lounge often requires prior-month spend; check YES Bank T&Cs
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	EMI · Fuel · Rent
Bonuses
Signup bonus	—	—

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

Standard Chartered Smart Card details →YES Bank Marquee Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Standard Chartered Smart Card leads YES Bank Marquee Credit Card by about ₹13,670/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 YES Bank Marquee Credit Card comparison table
Feature	Standard Chartered Smart Card Standard Chartered	YES Bank Marquee Credit Card YES Bank
Fees & eligibility
Annual fee	₹499	₹9,999
Fee waiver threshold	No waiver published	No waiver published
Min income	₹30,000/mo	₹40,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹2,831/yr	-₹10,839/yr
Online shopping	₹8,000 × 2% = ₹160/mo (₹1,920/yr)	—
Travel	—	₹3,000 → 80 pts/mo × ₹0.25/pt = ₹20/mo (₹240/yr)
Top reward rate	2% cashback	4 RP/₹150
Primary reward cap	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	None	Domestic lounge access · Mid-tier YES card — lounge often requires prior-month spend; check YES Bank T&Cs
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 ₹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.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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