Side-by-side · honest numbers
American Express Gold Card vs Standard Chartered Ultimate Credit Card
Honest side-by-side comparison of American Express Gold Card, Standard Chartered Ultimate Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
Same spend profile for all cards. How we calculate net annual value
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
American Express Gold Card
American Express
Standard Chartered Ultimate Credit Card
Standard Chartered
Your adjusted comparison
| Feature | American Express Gold Card American Express | Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹4,500 | ₹5,000 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ₹60,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹4,350/yr | ₹700/yr |
| Dining & delivery | ₹3,500 → 93 pts/mo × ₹0.50/pt = ₹46.67/mo (₹560/yr) | — |
| Travel | — | ₹3,000 × 5% = ₹150/mo (₹1,800/yr) · issuer max ₹5,000/mo |
| Top reward rate | 4X Membership Rewards/₹150 | 5% |
| Primary reward cap | No monthly cap published | ₹5,000 eligible spend/mo |
| Perks & restrictions | ||
| Lounge access | None | Complimentary domestic + international airport lounge access (Priority Pass) · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Insurance | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | ₹4,000 | — |
Stack mode (hold both)
Holding both may not beat using only the better solo card on this spend.
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https://cardhungry.com/in/en/compare/amex-gold-vs-sc-ultimateReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Standard Chartered Ultimate Credit Card leads American Express Gold Card by about ₹5,050/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | American Express Gold Card American Express | Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹4,500 | ₹5,000 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ₹60,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹4,350/yr | ₹700/yr |
| Dining & delivery | ₹3,500 → 93 pts/mo × ₹0.50/pt = ₹46.67/mo (₹560/yr) | — |
| Travel | — | ₹3,000 × 5% = ₹150/mo (₹1,800/yr) · issuer max ₹5,000/mo |
| Top reward rate | 4X Membership Rewards/₹150 | 5% |
| Primary reward cap | No monthly cap published | ₹5,000 eligible spend/mo |
| Perks & restrictions | ||
| Lounge access | None | Complimentary domestic + international airport lounge access (Priority Pass) · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Insurance | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | ₹4,000 | — |
Frequently asked questions
- Which card has the lower annual fee?
- American Express Gold Card has the lowest annual fee at ₹4,500.
- Which card earns more on moderate spend?
- Standard Chartered Ultimate Credit Card leads with an estimated ₹700/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.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
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