Side-by-side · honest numbers
IDFC FIRST Select Credit Card vs SBI Card MILES vs Standard Chartered Ultimate Credit Card
Honest side-by-side comparison of IDFC FIRST Select Credit Card, SBI Card MILES, 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 MILES by about ₹470/yr.
| Feature | IDFC FIRST Select Credit Card IDFC FIRST Bank | SBI Card MILES SBI Card | Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹1,499 | ₹5,000 |
| Fee waiver threshold | Lifetime free | Waived at ₹3,00,000/yr spend | No waiver published |
| Min income | ₹30,000/mo | ₹35,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹2,070/yr | ₹3,290/yr | ₹3,760/yr |
| Travel | — | 9 pts per ₹150 spend → ₹75/mo (₹900/yr) | 5% cashback → ₹250/mo (₹3,000/yr) |
| Top reward rate | 3X reward points | 6X reward points | 5% |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹5,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | 2 domestic visits/quarter + railway lounges · ₹20,000 spend in previous calendar month per visit block (issuer T&Cs) | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Rent | Fuel · Rent · Wallet · EMI | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | ₹2,000 | — |
Frequently asked questions
- Which card has the lower annual fee?
- IDFC FIRST Select Credit Card 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 ₹3,760/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- IDFC FIRST Select Credit Card lists a minimum monthly income of ₹30,000.
- 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.
IDFC FIRST Select Credit Card
IDFC FIRST Bank
SBI Card MILES
SBI Card
Standard Chartered Ultimate Credit Card
Standard Chartered
Your adjusted comparison
| Feature | IDFC FIRST BankPlatinum IDFC FIRST Select Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST Select Credit Card Top reward3X reward points Annual feeLifetime Free Min income₹30,000/mo Tap to flip back IDFC FIRST Select Credit Card IDFC FIRST Bank | SBI CardPlatinum SBI Card MILES •••• •••• •••• 4242 Quick facts SBI Card MILES Top reward6X reward points Annual fee₹1,499 Min income₹35,000/mo Tap to flip back SBI Card MILES 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 | Lifetime free | ₹1,499 | ₹5,000 |
| Fee waiver threshold | Lifetime free | Waived at ₹3,00,000/yr spend | No waiver published |
| Min income | ₹30,000/mo | ₹35,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹2,070/yr | ₹3,290/yr | ₹3,760/yr |
| Travel | — | 9 pts per ₹150 spend → ₹75/mo (₹900/yr) | 5% cashback → ₹250/mo (₹3,000/yr) |
| Top reward rate | 3X reward points | 6X reward points | 5% |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹5,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | 2 domestic visits/quarter + railway lounges · ₹20,000 spend in previous calendar month per visit block (issuer T&Cs) | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Rent | Fuel · Rent · Wallet · EMI | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | ₹2,000 | — |
Share this comparison
https://cardhungry.com/in/en/compare/idfc-first-select-vs-sbi-card-miles-vs-sc-ultimateMore IDFC FIRST Select Credit Card comparisons
- IDFC FIRST Select Credit Card vs 811 Dream Different Credit Card
- IDFC FIRST Select Credit Card vs AU Altura Credit Card
- IDFC FIRST Select Credit Card vs AU Zenith Credit Card
- IDFC FIRST Select Credit Card vs American Express Gold Card
- IDFC FIRST Select Credit Card vs American Express Platinum Travel Card
- IDFC FIRST Select Credit Card vs American Express SmartEarn Credit Card
- IDFC FIRST Select Credit Card vs Amex Membership Rewards CC
- IDFC FIRST Select Credit Card vs Axis Bank ACE Credit Card
- IDFC FIRST Select Credit Card vs Axis Bank Airtel Credit Card
- IDFC FIRST Select Credit Card vs Axis Bank Atlas Credit Card
- IDFC FIRST Select Credit Card vs Axis Bank Flipkart Credit Card
- IDFC FIRST Select Credit Card vs Axis Bank Magnus Credit Card