Which card has the lower annual fee?

SBI Card ELITE has the lowest annual fee at ₹4,999.

Which card earns more on moderate spend?

Standard Chartered Ultimate Credit Card leads with an estimated ₹3,760/yr net annual value on moderate spend.

Which card has the lower income requirement?

SBI Card ELITE lists a minimum monthly income of ₹60,000.

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 ELITE vs Standard Chartered Ultimate Credit Card

Honest side-by-side comparison of SBI Card ELITE, 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, Standard Chartered Ultimate Credit Card leads SBI Card ELITE by about ₹2,059/yr in estimated net value.

SBI Card ELITE vs Standard Chartered Ultimate Credit Card comparison table
Feature	SBI Card ELITE SBI Card	Standard Chartered Ultimate Credit Card Standard Chartered
Fees & eligibility
Annual fee	₹4,999	₹5,000
Fee waiver threshold	₹10,00,000/yr	No waiver published
Min income	₹60,000/mo	₹60,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹1,701/yr	₹3,760/yr
Travel	8 pts per ₹150 spend → ₹67/mo (₹800/yr)	5% cashback → ₹250/mo (₹3,000/yr)
Top reward rate	5X reward points	5%
Primary reward cap	No monthly cap published	₹5,000 eligible spend/mo
Perks & restrictions
Lounge access	8 complimentary domestic lounge visits per year · No minimum spend required for lounge access	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	Fuel · Rent · Wallet · EMI · Government	EMI · Fuel · Rent
Bonuses
Signup bonus	₹5,000	—

Frequently asked questions

Which card has the lower annual fee?: SBI Card ELITE has the lowest annual fee at ₹4,999.
Which card earns more on moderate spend?: Standard Chartered Ultimate Credit Card leads with an estimated ₹3,760/yr net annual value on moderate spend.
Which card has the lower income requirement?: SBI Card ELITE lists a minimum monthly income of ₹60,000.
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.

Card 1

SBI Card ELITE

SBI Card

Card 2

Standard Chartered Ultimate Credit 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	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
Fees & eligibility
Annual fee	₹4,999	₹5,000
Fee waiver threshold	₹10,00,000/yr	No waiver published
Min income	₹60,000/mo	₹60,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹1,701/yr	₹3,760/yr
Travel	8 pts per ₹150 spend → ₹67/mo (₹800/yr)	5% cashback → ₹250/mo (₹3,000/yr)
Top reward rate	5X reward points	5%
Primary reward cap	No monthly cap published	₹5,000 eligible spend/mo
Perks & restrictions
Lounge access	8 complimentary domestic lounge visits per year · No minimum spend required for lounge access	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	Fuel · Rent · Wallet · EMI · Government	EMI · Fuel · Rent
Bonuses
Signup bonus	₹5,000	—

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

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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