SBI CashBack Card vs SC DigiSmart
Side-by-side credit card comparison to help you choose the best one.
SBI CashBack Card
Why this card wins: Pure Cashback — 5% Cashback on ALL online spends
| Feature | ||
|---|---|---|
| Bank | SBI | Standard Chartered |
| Card Type | Premium Cashback | Cashback |
| Annual Fee | ₹999 + GST | Lifetime Free |
| Joining Fee | ₹999 + GST | Nil |
| Rewards | 5% Cashback on ALL online spends | 5% cashback on Flipkart, Myntra, Swiggy, Zomato |
| Best For | Pure Cashback | Online Shopping |
| Interest Rate | 3.35% per month (40.20% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | None | None |
| Min Income | ₹30,000/month | ₹20,000/month |
| Lounge Access | None | None |
| Fuel Surcharge Waiver | 1% waiver (cap ₹100/month) | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | ₹499 + GST | Free |
| Rating | 4.5 | 4.3 |
| Contactless | ||
| EMI Conversion |
Key Features
SBI CashBack Card
Pure Cashback
Visa • Premium Cashback
- 1% cashback on offline spends
- Direct cashback credit to statement
- No merchant restrictions for 5% cashback
- Fuel surcharge waiver up to ₹100/month
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, SBI CashBack Card ranks highest among your selected cards. It excels at Pure Cashback and offers 5% Cashback on ALL online spends.
Frequently asked questions
Which is better: SBI CashBack Card or SC DigiSmart?
SBI CashBack Card has the higher CardKhoj rating (4.5/5) and is best for pure cashback. SC DigiSmart 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: SBI CashBack Card and SC DigiSmart?
SC DigiSmart is cheaper to hold at Lifetime Free, compared with ₹999 + GST for SBI CashBack Card.
Do SBI CashBack Card 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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