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 ₹700/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.

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.

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.

Card 1

SBI Card PRIME

SBI Card

Card 2

Standard Chartered Ultimate Credit Card

Standard Chartered

Your adjusted comparison

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)	-₹2,339/yr	₹700/yr
Travel	₹3,000 → 120 pts/mo × ₹0.25/pt = ₹30/mo (₹360/yr)	₹3,000 × 5% = ₹150/mo (₹1,800/yr) · issuer max ₹5,000/mo
Top reward rate	5X reward points	5%
Primary reward cap	No monthly cap published	₹5,000 eligible spend/mo
Perks & restrictions
Lounge access	8 domestic (2/quarter) + 4 international (1/quarter) airport lounge visits/year · No minimum spend required for lounge access	Complimentary domestic + international airport lounge access (Priority Pass) · No minimum spend required for lounge access
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	Fuel · Rent · Wallet · EMI	EMI · Fuel · Rent
Bonuses
Signup bonus	₹3,000	—

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

SBI Card PRIME details →Standard Chartered Ultimate Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Standard Chartered Ultimate Credit Card leads SBI Card PRIME by about ₹3,039/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 PRIME vs Standard Chartered Ultimate Credit Card comparison table
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)	-₹2,339/yr	₹700/yr
Travel	₹3,000 → 120 pts/mo × ₹0.25/pt = ₹30/mo (₹360/yr)	₹3,000 × 5% = ₹150/mo (₹1,800/yr) · issuer max ₹5,000/mo
Top reward rate	5X reward points	5%
Primary reward cap	No monthly cap published	₹5,000 eligible spend/mo
Perks & restrictions
Lounge access	8 domestic (2/quarter) + 4 international (1/quarter) airport lounge visits/year · No minimum spend required for lounge access	Complimentary domestic + international airport lounge access (Priority Pass) · No minimum spend required for lounge access
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 ₹700/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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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