HSBC Smart Value vs SC DigiSmart
Side-by-side credit card comparison to help you choose the best one.
SC DigiSmart
Why this card wins: Online Shopping — 5% cashback on Flipkart, Myntra, Swiggy, Zomato
| Feature | ||
|---|---|---|
| Bank | HSBC India | Standard Chartered |
| Card Type | Cashback | Cashback |
| Annual Fee | Lifetime Free | Lifetime Free |
| Joining Fee | Nil | Nil |
| Rewards | 5% cashback on Swiggy, BigBasket, Amazon | 5% cashback on Flipkart, Myntra, Swiggy, Zomato |
| Best For | Online Shopping | Online Shopping |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹25,000 - ₹3,00,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | None | None |
| Min Income | ₹20,000/month | ₹20,000/month |
| Lounge Access | None | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.2 | 4.3 |
| Contactless | ||
| EMI Conversion |
Key Features
HSBC Smart Value
Online Shopping
Mastercard • Cashback
- No annual fee ever
- 5% cashback on top online platforms
- 1% cashback on all other spends
- Smart EMI on purchases above ₹2,500
SC DigiSmart
Online Shopping
Mastercard • Cashback
- No annual fee ever
- 5% cashback on top online brands
- 1% cashback on all other spends
- Smart EMI on purchases above ₹2,500
Verdict
Based on rating and overall value, SC DigiSmart ranks highest among your selected cards. It excels at Online Shopping and offers 5% cashback on Flipkart, Myntra, Swiggy, Zomato.
Frequently asked questions
Which is better: HSBC Smart Value or SC DigiSmart?
SC DigiSmart has the higher CardKhoj rating (4.3/5) and is best for online shopping. HSBC Smart Value is the better fit if your priority is online shopping. The right choice depends on where you spend most.
Which has the lower annual fee: HSBC Smart Value and SC DigiSmart?
They have the same annual fee: Lifetime Free.
Do HSBC Smart Value and SC DigiSmart offer airport lounge access?
No. None of these cards include complimentary airport lounge access.
Which card is better for international spending?
All of them charge the same forex markup of 3.5% + GST, so choose based on other benefits.
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