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 Ultimate Credit Card leads with an estimated ₹4,960/yr net annual value on moderate spend.

Which card has the lower income requirement?

SBI SimplyCLICK lists a minimum monthly income of ₹20,000.

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.

Side-by-side · honest numbers

SBI Card against Fixed Deposit vs SBI SimplyCLICK vs Standard Chartered Ultimate Credit Card

Honest side-by-side comparison of SBI Card against Fixed Deposit, SBI SimplyCLICK, 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 ranks first for estimated net annual value — ahead of SBI SimplyCLICK by about ₹3,179/yr.

SBI Card against Fixed Deposit vs SBI SimplyCLICK vs Standard Chartered Ultimate Credit Card comparison table
Feature	SBI Card against Fixed Deposit SBI Card	SBI SimplyCLICK SBI Card	Standard Chartered Ultimate Credit Card Standard Chartered
Annual fee	₹0	₹499	₹5,000
Min income (monthly)	Not stated	₹20,000	₹60,000
Top reward rate	80% of FD value	10X points	5%
Net annual value (moderate spend)	₹1,770/yr	₹1,781/yr	₹4,960/yr
Secured / FD-backed	Yes	No	No
Signup bonus	—	₹500	—

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 Ultimate Credit Card leads with an estimated ₹4,960/yr net annual value on moderate spend.
Which card has the lower income requirement?: SBI SimplyCLICK lists a minimum monthly income of ₹20,000.
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.

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Your adjusted comparison

Feature	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	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 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	₹0	₹499	₹5,000
Min income	Not stated	₹20,000	₹60,000
Top reward rate	80% of FD value	10X points	5%
Net value (moderate)	₹1,770/yr	₹1,781/yr	₹4,960/yr
Secured / no bureau	FD-backed	Standard	Standard
Signup bonus	—	₹500	—

SBI Card against Fixed Deposit details →SBI SimplyCLICK details →Standard Chartered Ultimate Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More SBI Card against Fixed Deposit comparisons