SBI SimplySAVE 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 | SBI | Standard Chartered |
| Card Type | Rewards | Cashback |
| Annual Fee | ₹499 + GST | Lifetime Free |
| Joining Fee | ₹499 + GST | Nil |
| Rewards | 10X rewards on dining, grocery, movies & dept stores | 5% cashback on Flipkart, Myntra, Swiggy, Zomato |
| Best For | Everyday Spending | Online Shopping |
| Interest Rate | 3.35% per month (40.20% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹25,000 - ₹3,00,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | 500 bonus reward points | None |
| Min Income | ₹20,000/month | ₹20,000/month |
| Lounge Access | None | None |
| Fuel Surcharge Waiver | 1% waiver on ₹500-₹3,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | ₹249 + GST | Free |
| Rating | 4.2 | 4.3 |
| Contactless | ||
| EMI Conversion |
Key Features
SBI SimplySAVE
Everyday Spending
Visa • Rewards
- ₹500 annual fee waiver on ₹1L spend
- Fuel surcharge waiver
- 5X rewards on all other spends
- Contactless payments enabled
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: SBI SimplySAVE or SC DigiSmart?
SC DigiSmart has the higher CardKhoj rating (4.3/5) and is best for online shopping. SBI SimplySAVE is the better fit if your priority is everyday spending. The right choice depends on where you spend most.
Which has the lower annual fee: SBI SimplySAVE and SC DigiSmart?
SC DigiSmart is cheaper to hold at Lifetime Free, compared with ₹499 + GST for SBI SimplySAVE.
Do SBI SimplySAVE 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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