Side-by-side · honest numbers
SBI Card PRIME vs Standard Chartered Ultimate Credit Card
Honest side-by-side comparison of SBI Card PRIME, 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 PRIME by about ₹2,259/yr in estimated net value.
| Feature | SBI Card PRIME SBI Card | Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹2,999 | ₹5,000 |
| Fee waiver threshold | ₹5,00,000/yr | No waiver published |
| Min income | ₹45,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹1,501/yr | ₹3,760/yr |
| Travel | 6 pts per ₹150 spend → ₹50/mo (₹600/yr) | 5% cashback → ₹250/mo (₹3,000/yr) |
| Top reward rate | 4X reward points | 5% |
| Primary reward cap | No monthly cap published | ₹5,000 eligible spend/mo |
| Perks & restrictions | ||
| Lounge access | Domestic lounge visits per year — verify count | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Fuel · Rent · Wallet · EMI | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | ₹3,000 | — |
Frequently asked questions
- Which card has the lower annual fee?
- SBI Card PRIME has the lowest annual fee at ₹2,999.
- 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 PRIME lists a minimum monthly income of ₹45,000.
- 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 Ultimate Credit Card
Standard Chartered
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 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 | ₹2,999 | ₹5,000 |
| Fee waiver threshold | ₹5,00,000/yr | No waiver published |
| Min income | ₹45,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹1,501/yr | ₹3,760/yr |
| Travel | 6 pts per ₹150 spend → ₹50/mo (₹600/yr) | 5% cashback → ₹250/mo (₹3,000/yr) |
| Top reward rate | 4X reward points | 5% |
| Primary reward cap | No monthly cap published | ₹5,000 eligible spend/mo |
| Perks & restrictions | ||
| Lounge access | Domestic lounge visits per year — verify count | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Fuel · Rent · Wallet · EMI | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | ₹3,000 | — |
Share this comparison
https://cardhungry.com/in/en/compare/sbi-prime-vs-sc-ultimateMore SBI Card PRIME comparisons
- SBI Card PRIME vs 811 Dream Different Credit Card
- SBI Card PRIME vs AU Altura Credit Card
- SBI Card PRIME vs AU Zenith Credit Card
- SBI Card PRIME vs American Express Gold Card
- SBI Card PRIME vs American Express Platinum Travel Card
- SBI Card PRIME vs American Express SmartEarn Credit Card
- SBI Card PRIME vs Amex Membership Rewards CC
- SBI Card PRIME vs Axis Bank ACE Credit Card
- SBI Card PRIME vs Axis Bank Airtel Credit Card
- SBI Card PRIME vs Axis Bank Atlas Credit Card
- SBI Card PRIME vs Axis Bank Flipkart Credit Card
- SBI Card PRIME vs Axis Bank Magnus Credit Card