Side-by-side · honest numbers
SBI Card ELITE vs SBI SimplyCLICK vs Standard Chartered Smart Card
Honest side-by-side comparison of SBI Card ELITE, SBI SimplyCLICK, 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 SimplyCLICK by about ₹1,950/yr.
| Feature | SBI Card ELITE SBI Card | SBI SimplyCLICK SBI Card | Standard Chartered Smart Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,999 | ₹499 | ₹499 |
| Fee waiver threshold | ₹10,00,000/yr | No waiver published | No waiver published |
| Min income | ₹60,000/mo | ₹20,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,701/yr | ₹1,781/yr | ₹3,731/yr |
| Online shopping | — | 10 pts per ₹150 spend → ₹167/mo (₹2,000/yr) | 2% cashback → ₹200/mo (₹2,400/yr) |
| Travel | 8 pts per ₹150 spend → ₹67/mo (₹800/yr) | — | — |
| Top reward rate | 5X reward points | 10X points | 2% cashback |
| Primary reward cap | No monthly cap published | ₹10,000 eligible spend/mo | 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) | Earns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs | Not supported (Visa/MC) |
| Key exclusions | Fuel · Rent · Wallet · EMI · Government | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹5,000 | ₹500 | — |
Frequently asked questions
- Which card has the lower annual fee?
- SBI SimplyCLICK has the lowest annual fee at ₹499.
- 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?
- SBI SimplyCLICK lists a minimum monthly income of ₹20,000.
- 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.
SBI Card ELITE
SBI Card
SBI SimplyCLICK
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 CardGold SBI SimplyCLICK •••• •••• •••• 4242 Quick facts SBI SimplyCLICK Top reward10X points Annual fee₹499 Min income₹20,000/mo Tap to flip back SBI SimplyCLICK 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 | ₹499 | ₹499 |
| Fee waiver threshold | ₹10,00,000/yr | No waiver published | No waiver published |
| Min income | ₹60,000/mo | ₹20,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,701/yr | ₹1,781/yr | ₹3,731/yr |
| Online shopping | — | 10 pts per ₹150 spend → ₹167/mo (₹2,000/yr) | 2% cashback → ₹200/mo (₹2,400/yr) |
| Travel | 8 pts per ₹150 spend → ₹67/mo (₹800/yr) | — | — |
| Top reward rate | 5X reward points | 10X points | 2% cashback |
| Primary reward cap | No monthly cap published | ₹10,000 eligible spend/mo | 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) | Earns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs | Not supported (Visa/MC) |
| Key exclusions | Fuel · Rent · Wallet · EMI · Government | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹5,000 | ₹500 | — |
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