Which card has the lower annual fee?

SBI Card MILES has the lowest annual fee at ₹1,499.

Which card earns more on moderate spend?

SBI Card MILES leads with an estimated ₹1,020/yr net annual value on moderate spend.

Which card has the lower income requirement?

SBI Card MILES lists a minimum monthly income of ₹35,000.

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

SBI Card MILES vs Standard Chartered Ultimate Credit Card

Honest side-by-side comparison of SBI Card MILES, 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.

Card 1

SBI Card MILES

SBI Card

Card 2

Standard Chartered Ultimate Credit Card

Standard Chartered

Your adjusted comparison

Feature	SBI Card MILES SBI Card	Standard Chartered Ultimate Credit Card Standard Chartered
Fees & eligibility
Annual fee	₹1,499	₹5,000
Fee waiver threshold	Waived at ₹3,00,000/yr spend	No waiver published
Min income	₹35,000/mo	₹60,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹1,020/yr	₹700/yr
Travel	₹3,000 → 180 pts/mo × ₹0.25/pt = ₹45/mo (₹540/yr)	₹3,000 × 5% = ₹150/mo (₹1,800/yr) · issuer max ₹5,000/mo
Top reward rate	Accelerated travel points	5%
Primary reward cap	No monthly cap published	₹5,000 eligible spend/mo
Perks & restrictions
Lounge access	4 domestic airport lounge visits per year · No minimum spend required for lounge access	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	Fuel · Rent · Wallet · EMI	EMI · Fuel · Rent
Bonuses
Signup bonus	₹2,000	—

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

SBI Card MILES details →Standard Chartered Ultimate Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI Card MILES leads Standard Chartered Ultimate Credit Card by about ₹320/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

SBI Card MILES vs Standard Chartered Ultimate Credit Card comparison table
Feature	SBI Card MILES SBI Card	Standard Chartered Ultimate Credit Card Standard Chartered
Fees & eligibility
Annual fee	₹1,499	₹5,000
Fee waiver threshold	Waived at ₹3,00,000/yr spend	No waiver published
Min income	₹35,000/mo	₹60,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹1,020/yr	₹700/yr
Travel	₹3,000 → 180 pts/mo × ₹0.25/pt = ₹45/mo (₹540/yr)	₹3,000 × 5% = ₹150/mo (₹1,800/yr) · issuer max ₹5,000/mo
Top reward rate	Accelerated travel points	5%
Primary reward cap	No monthly cap published	₹5,000 eligible spend/mo
Perks & restrictions
Lounge access	4 domestic airport lounge visits per year · No minimum spend required for lounge access	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	Fuel · Rent · Wallet · EMI	EMI · Fuel · Rent
Bonuses
Signup bonus	₹2,000	—

Frequently asked questions

Which card has the lower annual fee?: SBI Card MILES has the lowest annual fee at ₹1,499.
Which card earns more on moderate spend?: SBI Card MILES leads with an estimated ₹1,020/yr net annual value on moderate spend.
Which card has the lower income requirement?: SBI Card MILES lists a minimum monthly income of ₹35,000.
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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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