Head-to-head · 🇮🇳 India
Standard Chartered Smart vs SBI Aurum
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Standard Chartered
Standard Chartered Smart
VISA
Wins 5 of 10
IN
Premium
SBI Card
SBI Aurum
Wins 4 of 10
Verdict
Standard Chartered Smart wins 5-4. Entry tier alternative — flat 2% on online spends. SBI Aurum is still the right call if invitation-only super-premium sbi metal card..
Side-by-side
| Criterion | Standard Chartered Smart | SBI Aurum |
|---|---|---|
| Annual fee | ₹499 | · ₹9,999 |
| Joining fee | ₹499 | · ₹9,999 |
| Top reward rate | · 2% (shopping) | 4% (general) |
| Base reward rate | · 1% | 4% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = ₹500 Amazon voucher on first 30-day spend | = 10,000 reward points + ₹10,000 brand voucher |
| Fee waiver threshold | ₹120,000 / yr | · ₹1,500,000 / yr |
| Min income | ₹250,000 | · ₹3,500,000 |
| Min credit score | 720 | · 800 |
| Editorial rating | · 4/5 | 4.6/5 |
Benefits compared
Standard Chartered Smart
- 2% cashback on online spends (capped at ₹100/month)
- 1% cashback on offline + bill payments
- 1% fuel surcharge waiver
- Up to 15% off on partner restaurants (EazyDiner)
SBI Aurum
- 4 reward points per ₹100 (~4% value)
- Unlimited domestic + 6 international lounge visits/quarter
- Concierge 24x7
- Taj Inner Circle membership
- 2 free golf rounds/month
FAQ
›Standard Chartered Smart vs SBI Aurum: which is better?
Standard Chartered Smart wins on more dimensions (5 vs 4). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Standard Chartered Smart for online shopping, SBI Aurum for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Standard Chartered Smart: ₹500 Amazon voucher on first 30-day spend. SBI Aurum: 10,000 reward points + ₹10,000 brand voucher.