Side-by-side · honest numbers
ICICI Sapphiro Credit Card vs SBI Card ELITE vs Standard Chartered Ultimate Credit Card
Honest side-by-side comparison of ICICI Sapphiro Credit Card, SBI Card ELITE, 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 ICICI Sapphiro Credit Card by about ₹204/yr.
| Feature | ICICI Sapphiro Credit Card ICICI Bank | SBI Card ELITE SBI Card | Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹3,500 | ₹4,999 | ₹5,000 |
| Fee waiver threshold | No waiver published | ₹10,00,000/yr | No waiver published |
| Min income | ₹75,000/mo | ₹60,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,556/yr | ₹1,701/yr | ₹3,760/yr |
| Travel | — | 8 pts per ₹150 spend → ₹67/mo (₹800/yr) | 5% cashback → ₹250/mo (₹3,000/yr) |
| Top reward rate | 4 RP/₹100 | 5X reward points | 5% |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹5,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Domestic + international lounge · Premium dual-card pack — lounge visits typically bundled; verify quarterly caps on issuer site | 8 complimentary domestic lounge visits per year · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | Fuel · Rent · Wallet · EMI · Government | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹4,000 | ₹5,000 | — |
Frequently asked questions
- Which card has the lower annual fee?
- ICICI Sapphiro Credit Card has the lowest annual fee at ₹3,500.
- Which card earns more on moderate spend?
- Standard Chartered Ultimate Credit Card leads with an estimated ₹3,760/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- SBI Card ELITE 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.
Customize your spend
Change spend profile or swap cards — results update live below.
ICICI Sapphiro Credit Card
ICICI Bank
SBI Card ELITE
SBI Card
Standard Chartered Ultimate Credit Card
Standard Chartered
Your adjusted comparison
| Feature | ICICI BankPlatinum ICICI Sapphiro Credit Card •••• •••• •••• 4242 Quick facts ICICI Sapphiro Credit Card Top reward4 RP/₹100 Annual fee₹3,500 Min income₹75,000/mo Tap to flip back ICICI Sapphiro Credit Card ICICI Bank | SBI CardPlatinum SBI Card ELITE •••• •••• •••• 4242 Quick facts SBI Card ELITE Top reward5X reward points Annual fee₹4,999 Min income₹60,000/mo Tap to flip back SBI Card ELITE 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 |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹3,500 | ₹4,999 | ₹5,000 |
| Fee waiver threshold | No waiver published | ₹10,00,000/yr | No waiver published |
| Min income | ₹75,000/mo | ₹60,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,556/yr | ₹1,701/yr | ₹3,760/yr |
| Travel | — | 8 pts per ₹150 spend → ₹67/mo (₹800/yr) | 5% cashback → ₹250/mo (₹3,000/yr) |
| Top reward rate | 4 RP/₹100 | 5X reward points | 5% |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹5,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Domestic + international lounge · Premium dual-card pack — lounge visits typically bundled; verify quarterly caps on issuer site | 8 complimentary domestic lounge visits per year · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | Fuel · Rent · Wallet · EMI · Government | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹4,000 | ₹5,000 | — |
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