Which card has the lower annual fee?

SBI Cashback Credit Card has the lowest annual fee at ₹999.

Which card earns more on moderate spend?

SBI Cashback Credit Card leads with an estimated ₹6,750/yr net annual value on moderate spend.

Which card has the lower income requirement?

SBI Cashback Credit Card lists a minimum monthly income of ₹25,000.

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 Cashback Credit Card vs Standard Chartered Ultimate Credit Card

Honest side-by-side comparison of SBI Cashback Credit Card, 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, SBI Cashback Credit Card leads Standard Chartered Ultimate Credit Card by about ₹1,790/yr in estimated net value.

SBI Cashback Credit Card vs Standard Chartered Ultimate Credit Card comparison table
Feature	SBI Cashback Credit Card SBI Card	Standard Chartered Ultimate Credit Card Standard Chartered
Annual fee	₹999	₹5,000
Min income (monthly)	₹25,000	₹60,000
Top reward rate	5%	5%
Net annual value (moderate spend)	₹6,750/yr	₹4,960/yr
Secured / FD-backed	No	No
Signup bonus	—	—

Frequently asked questions

Which card has the lower annual fee?: SBI Cashback Credit Card has the lowest annual fee at ₹999.
Which card earns more on moderate spend?: SBI Cashback Credit Card leads with an estimated ₹6,750/yr net annual value on moderate spend.
Which card has the lower income requirement?: SBI Cashback Credit Card lists a minimum monthly income of ₹25,000.
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.

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Your adjusted comparison

Feature	SBI CardGold SBI Cashback Credit Card •••• •••• •••• 4242 Quick facts SBI Cashback Credit Card Top reward5% Annual fee₹999 Min income₹25,000/mo Tap to flip back SBI Cashback Credit Card 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	₹999	₹5,000
Min income	₹25,000	₹60,000
Top reward rate	5%	5%
Net value (moderate)	₹6,750/yr	₹4,960/yr
Secured / no bureau	Standard	Standard
Signup bonus	—	—

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

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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