Side-by-side · honest numbers
ICICI Platinum Chip vs Standard Chartered Ultimate Credit Card
Honest side-by-side comparison of ICICI Platinum Chip, 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
Customize your spend
Change spend profile or swap cards — results update live below.
Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
ICICI Platinum Chip
ICICI Bank
Standard Chartered Ultimate Credit Card
Standard Chartered
Your adjusted comparison
| Feature | ICICI Platinum Chip ICICI Bank | Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | Lifetime free | ₹5,000 |
| Fee waiver threshold | Lifetime free | No waiver published |
| Min income | ₹18,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹36/yr | ₹700/yr |
| Travel | — | ₹3,000 × 5% = ₹150/mo (₹1,800/yr) · issuer max ₹5,000/mo |
| Top reward rate | 1 RP/₹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 | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | — | — |
Stack mode (hold both)
Holding both may not beat using only the better solo card on this spend.
Share this comparison
https://cardhungry.com/in/en/compare/icici-platinum-chip-vs-sc-ultimateReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Standard Chartered Ultimate Credit Card leads ICICI Platinum Chip by about ₹736/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 | ICICI Platinum Chip ICICI Bank | Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | Lifetime free | ₹5,000 |
| Fee waiver threshold | Lifetime free | No waiver published |
| Min income | ₹18,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹36/yr | ₹700/yr |
| Travel | — | ₹3,000 × 5% = ₹150/mo (₹1,800/yr) · issuer max ₹5,000/mo |
| Top reward rate | 1 RP/₹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 | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- ICICI Platinum Chip 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 ₹700/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- ICICI Platinum Chip lists a minimum monthly income of ₹18,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
More ICICI Platinum Chip comparisons
- ICICI Platinum Chip vs 811 Dream Different Credit Card
- ICICI Platinum Chip vs AU Altura Credit Card
- ICICI Platinum Chip vs AU Altura+ Credit Card
- ICICI Platinum Chip vs AU LIT Credit Card
- ICICI Platinum Chip vs AU Zenith Credit Card
- ICICI Platinum Chip vs American Express Gold Card
- ICICI Platinum Chip vs American Express Platinum Travel Card
- ICICI Platinum Chip vs American Express SmartEarn Credit Card
- ICICI Platinum Chip vs Amex Membership Rewards CC
- ICICI Platinum Chip vs Axis Bank ACE Credit Card
- ICICI Platinum Chip vs Axis Bank Airtel Credit Card
- ICICI Platinum Chip vs Axis Bank Atlas Credit Card