Which card has the lower annual fee?

IRCTC ICICI Bank Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

Standard Chartered Smart Card leads with an estimated ₹3,731/yr net annual value on moderate spend.

Which card has the lower income requirement?

IRCTC ICICI Bank Credit Card lists a minimum monthly income of ₹20,000.

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.

Side-by-side · honest numbers

IRCTC ICICI Bank Credit Card vs SBI Card against Fixed Deposit vs Standard Chartered Smart Card

Honest side-by-side comparison of IRCTC ICICI Bank Credit Card, SBI Card against Fixed Deposit, Standard Chartered Smart 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 Smart Card ranks first for estimated net annual value — ahead of SBI Card against Fixed Deposit by about ₹1,961/yr.

IRCTC ICICI Bank Credit Card vs SBI Card against Fixed Deposit vs Standard Chartered Smart Card comparison table
Feature	IRCTC ICICI Bank Credit Card ICICI Bank	SBI Card against Fixed Deposit SBI Card	Standard Chartered Smart Card Standard Chartered
Annual fee	₹0	₹0	₹499
Min income (monthly)	₹20,000	Not stated	₹30,000
Top reward rate	10% reward points	80% of FD value	2% cashback
Net annual value (moderate spend)	₹1,063/yr	₹1,770/yr	₹3,731/yr
Secured / FD-backed	No	Yes	No
Signup bonus	—	—	—

Frequently asked questions

Which card has the lower annual fee?: IRCTC ICICI Bank Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: Standard Chartered Smart Card leads with an estimated ₹3,731/yr net annual value on moderate spend.
Which card has the lower income requirement?: IRCTC ICICI Bank Credit Card lists a minimum monthly income of ₹20,000.
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.

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Your adjusted comparison

Feature	ICICI BankClassic IRCTC ICICI Bank Credit Card •••• •••• •••• 4242 Quick facts IRCTC ICICI Bank Credit Card Top reward10% reward points Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IRCTC ICICI Bank Credit Card ICICI Bank	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 CharteredGold Standard Chartered Smart Card •••• •••• •••• 4242 Quick facts Standard Chartered Smart Card Top reward2% cashback Annual fee₹499 Min income₹30,000/mo Tap to flip back Standard Chartered Smart Card Standard Chartered
Annual fee	₹0	₹0	₹499
Min income	₹20,000	Not stated	₹30,000
Top reward rate	10% reward points	80% of FD value	2% cashback
Net value (moderate)	₹1,063/yr	₹1,770/yr	₹3,731/yr
Secured / no bureau	Standard	FD-backed	Standard
Signup bonus	—	—	—

IRCTC ICICI Bank Credit Card details →SBI Card against Fixed Deposit details →Standard Chartered Smart Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More IRCTC ICICI Bank Credit Card comparisons