Side-by-side · honest numbers
SBI Card ELITE vs SBI Card against Fixed Deposit vs Standard Chartered Smart Card
Honest side-by-side comparison of SBI Card ELITE, 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.
| Feature | SBI Card ELITE SBI Card | SBI Card against Fixed Deposit SBI Card | Standard Chartered Smart Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,999 | Lifetime free | ₹499 |
| Fee waiver threshold | ₹10,00,000/yr | Lifetime free | No waiver published |
| Min income | ₹60,000/mo | Not stated | ₹30,000/mo |
| Secured / FD-backed | Standard | FD-backed | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,701/yr | ₹1,770/yr | ₹3,731/yr |
| Online shopping | — | — | 2% cashback → ₹200/mo (₹2,400/yr) |
| Travel | 8 pts per ₹150 spend → ₹67/mo (₹800/yr) | — | — |
| Top reward rate | 5X reward points | 80% of FD value | 2% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | 8 complimentary domestic lounge visits per year · No minimum spend required for lounge access | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Fuel · Rent · Wallet · EMI · Government | Not stated | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹5,000 | — | — |
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 Smart Card leads with an estimated ₹3,731/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Standard Chartered Smart Card lists a minimum monthly income of ₹30,000.
- 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.
SBI Card ELITE
SBI Card
SBI Card against Fixed Deposit
SBI Card
Standard Chartered Smart Card
Standard Chartered
Your adjusted comparison
| Feature | SBI CardPlatinum SBI Card ELITE •••• •••• •••• 4242 Quick facts SBI Card ELITE Top reward5X reward points Annual fee₹4,999 Min income₹60,000/mo Tap to flip back SBI Card ELITE SBI Card | 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 |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,999 | Lifetime free | ₹499 |
| Fee waiver threshold | ₹10,00,000/yr | Lifetime free | No waiver published |
| Min income | ₹60,000/mo | Not stated | ₹30,000/mo |
| Secured / FD-backed | Standard | FD-backed | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,701/yr | ₹1,770/yr | ₹3,731/yr |
| Online shopping | — | — | 2% cashback → ₹200/mo (₹2,400/yr) |
| Travel | 8 pts per ₹150 spend → ₹67/mo (₹800/yr) | — | — |
| Top reward rate | 5X reward points | 80% of FD value | 2% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | 8 complimentary domestic lounge visits per year · No minimum spend required for lounge access | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Fuel · Rent · Wallet · EMI · Government | Not stated | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹5,000 | — | — |
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https://cardhungry.com/in/en/compare/sbi-elite-vs-sbi-fd-secured-vs-sc-smartMore SBI Card ELITE comparisons
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