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SBI Card against Fixed Deposit vs Standard Chartered Smart Card

Honest side-by-side comparison of 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.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

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

SBI Card against Fixed Deposit

SBI Card

Standard Chartered Smart Card

Standard Chartered

Your adjusted comparison

Feature
SBI Card against Fixed Deposit credit card

SBI Card against Fixed Deposit

SBI Card

Standard Chartered Smart Card credit card

Standard Chartered Smart Card

Standard Chartered

Fees & eligibility
Annual feeLifetime free₹499
Fee waiver thresholdLifetime freeNo waiver published
Min incomeNot stated₹30,000/mo
Secured / FD-backedFD-backedStandard
Rewards
Net annual value (moderate)₹1,440/yr₹2,831/yr
Online shopping—₹8,000 × 2% = ₹160/mo (₹1,920/yr)
Top reward rate80% of FD value2% cashback
Primary reward capNo monthly cap publishedNo monthly cap published
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsNot statedEMI · Fuel · Rent
Bonuses
Signup bonus——

Stack mode (hold both)

Cap-aware split: ~₹3,251/yr combined NAV (₹420 vs best solo). Both annual fees apply.

SBI Card against Fixed Deposit 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 against Fixed Deposit by about ₹1,391/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 against Fixed Deposit vs Standard Chartered Smart Card comparison table
FeatureSBI Card against Fixed Deposit

SBI Card

Standard Chartered Smart Card

Standard Chartered

Fees & eligibility
Annual feeLifetime free₹499
Fee waiver thresholdLifetime freeNo waiver published
Min incomeNot stated₹30,000/mo
Secured / FD-backedFD-backedStandard
Rewards
Net annual value (moderate)₹1,440/yr₹2,831/yr
Online shopping—₹8,000 × 2% = ₹160/mo (₹1,920/yr)
Top reward rate80% of FD value2% cashback
Primary reward capNo monthly cap publishedNo monthly cap published
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsNot statedEMI · Fuel · Rent
Bonuses
Signup bonus——

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 ₹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.
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.

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