PNB Rupay Platinum 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 | Punjab National Bank | Standard Chartered |
| Card Type | Entry Level | Cashback |
| Annual Fee | ₹299 + GST | Lifetime Free |
| Joining Fee | ₹99 + GST | Nil |
| Rewards | 2 reward points per ₹100 on all spends | 5% cashback on Flipkart, Myntra, Swiggy, Zomato |
| Best For | Budget Users | Online Shopping |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹25,000 - ₹1,50,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | None | None |
| Min Income | ₹12,000/month | ₹20,000/month |
| Lounge Access | None | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹4,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 3.9 | 4.3 |
| Contactless | ||
| EMI Conversion |
Key Features
PNB Rupay Platinum
Budget Users
RuPay • Entry Level
- RuPay network — works with UPI
- Low annual fee
- Fuel surcharge waiver
- Insurance cover up to ₹2 Lakh
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: PNB Rupay Platinum or SC DigiSmart?
SC DigiSmart has the higher CardKhoj rating (4.3/5) and is best for online shopping. PNB Rupay Platinum is the better fit if your priority is budget users. The right choice depends on where you spend most.
Which has the lower annual fee: PNB Rupay Platinum and SC DigiSmart?
SC DigiSmart is cheaper to hold at Lifetime Free, compared with ₹299 + GST for PNB Rupay Platinum.
Do PNB Rupay Platinum 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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