Side-by-side · honest numbers
SBI Card against Fixed Deposit vs Standard Chartered Smart Card vs Standard Chartered Ultimate Credit Card
Honest side-by-side comparison of SBI Card against Fixed Deposit, Standard Chartered Smart Card, 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 Standard Chartered Smart Card by about ₹1,229/yr.
| Feature | SBI Card against Fixed Deposit SBI Card | Standard Chartered Smart Card Standard Chartered | Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|---|
| Annual fee | ₹0 | ₹499 | ₹5,000 |
| Min income (monthly) | Not stated | ₹30,000 | ₹60,000 |
| Top reward rate | 80% of FD value | 2% cashback | 5% |
| Net annual value (moderate spend) | ₹1,770/yr | ₹3,731/yr | ₹4,960/yr |
| Secured / FD-backed | Yes | No | No |
| 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 Ultimate Credit Card leads with an estimated ₹4,960/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.
Customize your spend
Change spend profile or swap cards — results update live below.
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 | 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 | 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 | ₹30,000 | ₹60,000 |
| Top reward rate | 80% of FD value | 2% cashback | 5% |
| Net value (moderate) | ₹1,770/yr | ₹3,731/yr | ₹4,960/yr |
| Secured / no bureau | FD-backed | Standard | Standard |
| Signup bonus | — | — | — |
More SBI Card against Fixed Deposit comparisons
- SBI Card against Fixed Deposit vs 811 Dream Different Credit Card
- SBI Card against Fixed Deposit vs AU Altura Credit Card
- SBI Card against Fixed Deposit vs AU Zenith Credit Card
- SBI Card against Fixed Deposit vs American Express Gold Card
- SBI Card against Fixed Deposit vs American Express Platinum Travel Card
- SBI Card against Fixed Deposit vs Amex Membership Rewards CC
- SBI Card against Fixed Deposit vs Axis Bank ACE Credit Card
- SBI Card against Fixed Deposit vs Axis Bank Atlas Credit Card
- SBI Card against Fixed Deposit vs Axis Bank Flipkart Credit Card
- SBI Card against Fixed Deposit vs Axis Bank Magnus Credit Card
- SBI Card against Fixed Deposit vs Axis Bank My Zone Credit Card
- SBI Card against Fixed Deposit vs Axis Bank Neo Credit Card