SC DigiSmart vs YES Marquee
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 | Standard Chartered | YES Bank |
| Card Type | Cashback | Lifestyle |
| Annual Fee | Lifetime Free | ₹499 + GST |
| Joining Fee | Nil | ₹499 + GST |
| Rewards | 5% cashback on Flipkart, Myntra, Swiggy, Zomato | Buy 1 Get 1 on movies (BookMyShow) |
| Best For | Online Shopping | Movies & Entertainment |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹50,000 - ₹3,00,000 |
| Welcome Benefit | None | ₹500 BookMyShow voucher |
| Min Income | ₹20,000/month | ₹20,000/month |
| Lounge Access | None | 4 domestic per year |
| 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 | 4.3 | 4.1 |
| Contactless | ||
| EMI Conversion |
Key Features
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
YES Marquee
Movies & Entertainment
Mastercard • Lifestyle
- BOGO movie tickets on BookMyShow
- 4 complimentary domestic lounge visits
- 10X rewards on dining partner brands
- Fee waiver on ₹2L annual spend
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: SC DigiSmart or YES Marquee?
SC DigiSmart has the higher CardKhoj rating (4.3/5) and is best for online shopping. YES Marquee is the better fit if your priority is movies & entertainment. The right choice depends on where you spend most.
Which has the lower annual fee: SC DigiSmart and YES Marquee?
SC DigiSmart is cheaper to hold at Lifetime Free, compared with ₹499 + GST for YES Marquee.
Do SC DigiSmart and YES Marquee offer airport lounge access?
SC DigiSmart: no complimentary lounge access. YES Marquee: 4 domestic per year.
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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