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SBI Card ELITE vs Standard Chartered Smart Card

Honest side-by-side comparison of SBI Card ELITE, Standard Chartered Smart 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

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Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

SBI Card ELITE

SBI Card

Standard Chartered Smart Card

Standard Chartered

Your adjusted comparison

Feature
SBI Card ELITE credit card

SBI Card ELITE

SBI Card

Standard Chartered Smart Card credit card

Standard Chartered Smart Card

Standard Chartered

Fees & eligibility
Annual fee₹4,999₹499
Fee waiver threshold₹10,00,000/yrNo waiver published
Min income₹60,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹3,818/yr₹2,831/yr
Online shopping—₹8,000 × 2% = ₹160/mo (₹1,920/yr)
Groceries (offline)₹5,000 → 333 pts/mo × ₹0.25/pt = ₹83.33/mo (₹1,000/yr)—
Dining & delivery₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr)—
Top reward rate5X reward points2% cashback
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge access6 domestic + 2 international airport lounge visits per year · No minimum spend required for lounge accessNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsFuel · Rent · Wallet · EMI · GovernmentEMI · Fuel · Rent
Bonuses
Signup bonus₹5,000—

Stack mode (hold both)

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

SBI Card ELITE details →Standard Chartered Smart Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Standard Chartered Smart Card leads SBI Card ELITE by about ₹6,649/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 ELITE vs Standard Chartered Smart Card comparison table
FeatureSBI Card ELITE

SBI Card

Standard Chartered Smart Card

Standard Chartered

Fees & eligibility
Annual fee₹4,999₹499
Fee waiver threshold₹10,00,000/yrNo waiver published
Min income₹60,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹3,818/yr₹2,831/yr
Online shopping—₹8,000 × 2% = ₹160/mo (₹1,920/yr)
Groceries (offline)₹5,000 → 333 pts/mo × ₹0.25/pt = ₹83.33/mo (₹1,000/yr)—
Dining & delivery₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr)—
Top reward rate5X reward points2% cashback
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge access6 domestic + 2 international airport lounge visits per year · No minimum spend required for lounge accessNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsFuel · Rent · Wallet · EMI · GovernmentEMI · Fuel · Rent
Bonuses
Signup bonus₹5,000—

Frequently asked questions

Which card has the lower annual fee?
Standard Chartered Smart Card has the lowest annual fee at ₹499.
Which card earns more on moderate spend?
Standard Chartered Smart Card leads with an estimated ₹2,831/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.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

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