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| Feature | Standard Chartered India Standard Chartered Ultimate Credit Card | SBI Card AURUM Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | Standard Chartered India | SBI Card |
| Network | Mastercard | Visa |
| Annual fee | ₹5,000 + GST per year | ₹9,999 + GST per year |
| Annual fee waiver | No waiver recorded | At ₹12,00,000 annual spending |
| Base reward rate | 3.3% | 1% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | Duty-free cashback: ₹1,000/statement cycle | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | 16 domestic airport lounge visits per year • 12 international airport lounge visits per year | 16 domestic airport lounge visits per year • Unlimited international airport lounge visits |
| Forex markup | 2% | 2.0% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 24 Sept 2026 | 24 Sept 2026 |
| Best suited to | High-spend users who want broad rewards, frequent airport lounge access and a lower forex markup. | High-income frequent travellers who can use premium privileges every month and clear the fee waiver. |
| Main trade-off | The ₹5,000 renewal fee has no spend waiver. Selected everyday categories earn 2%, fuel earns no points, and Priority Pass use in India or beyond the qualified monthly international visit is chargeable. | The ₹9,999 fee plus GST is waived only at ₹12 lakh annual spend. Rent, wallet, fuel, EMI and digital-gaming transactions earn no points, and lifestyle privileges are not added to ranking unless usage can be proven. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
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