HDFC Bharat Cashback vs Standard Chartered DigiSmart
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
HDFC Bharat Cashback Credit Card wins 2 of 8 dimensions with a CardTrail Score of 7.3/10 vs 6.8/10.
| Feature | HDFC Bharat Cashback | Standard Chartered DigiSmart |
|---|---|---|
| CardTrail Score | 7.3/10 | 6.8/10 |
| Annual Fee | ₹500 | ₹588 |
| Base Reward Rate | 1% | 1% |
| Max Reward Rate | 5% | 5% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 0 | 0 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | RuPay | Visa |
When to Choose HDFC Bharat Cashback
- You can meet the fee waiver condition: Spend ₹50K/year
- Your primary spend is: cashback, general
When to Choose Standard Chartered DigiSmart
- You can meet the fee waiver condition: Spend ₹5,000/month
- Your primary spend is: cashback, general
Annual Fee Value Analysis
To break even on HDFC Bharat Cashback's ₹500 fee at 1% rewards, spend ₹4,167/month.
To break even on Standard Chartered DigiSmart's ₹588 fee at 1% rewards, spend ₹4,900/month.