Which card has the lower annual fee?

SBI Card against Fixed Deposit 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 ₹4,960/yr net annual value on moderate spend.

Which card has the lower income requirement?

RBL World Safari lists a minimum monthly income of ₹50,000.

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

RBL World Safari vs SBI Card against Fixed Deposit vs Standard Chartered Ultimate Credit Card

Honest side-by-side comparison of RBL World Safari, SBI Card against Fixed Deposit, 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 RBL World Safari by about ₹2,712/yr.

RBL World Safari vs SBI Card against Fixed Deposit vs Standard Chartered Ultimate Credit Card comparison table
Feature	RBL World Safari RBL Bank	SBI Card against Fixed Deposit SBI Card	Standard Chartered Ultimate Credit Card Standard Chartered
Annual fee	₹3,000	₹0	₹5,000
Min income (monthly)	₹50,000	Not stated	₹60,000
Top reward rate	4X points	80% of FD value	5%
Net annual value (moderate spend)	₹2,248/yr	₹1,770/yr	₹4,960/yr
Secured / FD-backed	No	Yes	No
Signup bonus	₹3,000	—	—

Frequently asked questions

Which card has the lower annual fee?: SBI Card against Fixed Deposit 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 ₹4,960/yr net annual value on moderate spend.
Which card has the lower income requirement?: RBL World Safari lists a minimum monthly income of ₹50,000.
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	RBL BankPlatinum RBL World Safari •••• •••• •••• 4242 Quick facts RBL World Safari Top reward4X points Annual fee₹3,000 Min income₹50,000/mo Tap to flip back RBL World Safari RBL 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 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
Annual fee	₹3,000	₹0	₹5,000
Min income	₹50,000	Not stated	₹60,000
Top reward rate	4X points	80% of FD value	5%
Net value (moderate)	₹2,248/yr	₹1,770/yr	₹4,960/yr
Secured / no bureau	Standard	FD-backed	Standard
Signup bonus	₹3,000	—	—

RBL World Safari details →SBI Card against Fixed Deposit details →Standard Chartered Ultimate Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More RBL World Safari comparisons