Side-by-side · honest numbers
SBI Card PRIME vs Standard Chartered Smart Card vs slice credit card
Honest side-by-side comparison of SBI Card PRIME, Standard Chartered Smart Card, slice 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 Smart Card ranks first for estimated net annual value — ahead of slice credit card by about ₹221/yr.
| Feature | SBI Card PRIME SBI Card | Standard Chartered Smart Card Standard Chartered | slice credit card Slice |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹2,999 | ₹499 | Lifetime free |
| Fee waiver threshold | ₹5,00,000/yr | No waiver published | Lifetime free |
| Min income | ₹45,000/mo | ₹30,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,501/yr | ₹3,731/yr | ₹3,510/yr |
| Online shopping | — | 2% cashback → ₹200/mo (₹2,400/yr) | — |
| Travel | 6 pts per ₹150 spend → ₹50/mo (₹600/yr) | — | — |
| Top reward rate | 4X reward points | 2% cashback | Up to 1% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹500 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Domestic lounge visits per year — verify count | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap |
| Key exclusions | Fuel · Rent · Wallet · EMI | EMI · Fuel · Rent | Rent · Wallet loads · EMI |
| Bonuses | |||
| Signup bonus | ₹3,000 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- slice credit card 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 ₹3,731/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- slice credit card lists a minimum monthly income of ₹15,000.
- 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.
SBI Card PRIME
SBI Card
Standard Chartered Smart Card
Standard Chartered
slice credit card
Slice
Your adjusted comparison
| Feature | SBI CardPlatinum SBI Card PRIME •••• •••• •••• 4242 Quick facts SBI Card PRIME Top reward4X reward points Annual fee₹2,999 Min income₹45,000/mo Tap to flip back SBI Card PRIME 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 | SliceGold slice credit card •••• •••• •••• 4242 Quick facts slice credit card Top rewardUp to 1% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back slice credit card Slice |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹2,999 | ₹499 | Lifetime free |
| Fee waiver threshold | ₹5,00,000/yr | No waiver published | Lifetime free |
| Min income | ₹45,000/mo | ₹30,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,501/yr | ₹3,731/yr | ₹3,510/yr |
| Online shopping | — | 2% cashback → ₹200/mo (₹2,400/yr) | — |
| Travel | 6 pts per ₹150 spend → ₹50/mo (₹600/yr) | — | — |
| Top reward rate | 4X reward points | 2% cashback | Up to 1% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹500 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Domestic lounge visits per year — verify count | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap |
| Key exclusions | Fuel · Rent · Wallet · EMI | EMI · Fuel · Rent | Rent · Wallet loads · EMI |
| Bonuses | |||
| Signup bonus | ₹3,000 | — | — |
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https://cardhungry.com/in/en/compare/sbi-prime-vs-sc-smart-vs-slice-credit-cardMore SBI Card PRIME comparisons
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