Side-by-side · honest numbers
American Express Gold Card vs SBI Card against Fixed Deposit vs Standard Chartered Ultimate Credit Card
Honest side-by-side comparison of American Express Gold Card, SBI Card against Fixed Deposit, Standard Chartered Ultimate Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, Standard Chartered Ultimate Credit Card ranks first for estimated net annual value — ahead of SBI Card against Fixed Deposit by about ₹3,190/yr.
| Feature | American Express Gold Card American Express | SBI Card against Fixed Deposit SBI Card | Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|---|
| Annual fee | ₹4,500 | ₹0 | ₹5,000 |
| Min income (monthly) | ₹60,000 | Not stated | ₹60,000 |
| Top reward rate | 4X Membership Rewards/₹150 | 80% of FD value | 5% |
| Net annual value (moderate spend) | ₹570/yr | ₹1,770/yr | ₹4,960/yr |
| Secured / FD-backed | No | Yes | No |
| Signup bonus | ₹4,000 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- SBI Card against Fixed Deposit has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- Standard Chartered Ultimate Credit Card leads with an estimated ₹4,960/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- American Express Gold Card lists a minimum monthly income of ₹60,000.
- Which cards are secured (FD-backed)?
- SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
Your adjusted comparison
| Feature | American ExpressGold American Express Gold Card •••• •••• •••• 4242 Quick facts American Express Gold Card Top reward4X Membership Rewards/₹150 Annual fee₹4,500 Min income₹60,000/mo Tap to flip back American Express Gold Card American Express | SBI CardClassic SBI Card against Fixed Deposit •••• •••• •••• 4242 Quick facts SBI Card against Fixed Deposit Top reward80% of FD value Annual feeLifetime Free Tap to flip back SBI Card against Fixed Deposit SBI Card | Standard CharteredPlatinum Standard Chartered Ultimate Credit Card •••• •••• •••• 4242 Quick facts Standard Chartered Ultimate Credit Card Top reward5% Annual fee₹5,000 Min income₹60,000/mo Tap to flip back Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|---|
| Annual fee | ₹4,500 | ₹0 | ₹5,000 |
| Min income | ₹60,000 | Not stated | ₹60,000 |
| Top reward rate | 4X Membership Rewards/₹150 | 80% of FD value | 5% |
| Net value (moderate) | ₹570/yr | ₹1,770/yr | ₹4,960/yr |
| Secured / no bureau | Standard | FD-backed | Standard |
| Signup bonus | ₹4,000 | — | — |
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