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| Feature | Standard Chartered India Standard Chartered Ultimate Credit Card | SBI Card SBI Card ELITE |
|---|---|---|
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 | ₹4,999 + GST per year |
| Annual fee waiver | No waiver recorded | At ₹10,00,000 annual spending |
| Base reward rate | 3.3% | 0.5% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Dining & delivery | 3.3% · Other eligible Ultimate points | 2.5% · Dining and grocery bonus |
| Groceries & essentials | 2% · Reduced-category points | 2.5% · Dining and grocery bonus |
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 | 8 domestic airport lounge visits per year • 6 international airport lounge visits per year |
| Forex markup | 2% | 2.0% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 24 Sept 2026 | 13 Sept 2026 |
| Best suited to | High-spend users who want broad rewards, frequent airport lounge access and a lower forex markup. | High-spend households that can use monthly movies, domestic and international airport lounges, and the full annual milestone ladder. |
| 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 ₹4,999 renewal fee needs ₹10 lakh of eligible annual spend for waiver. Accelerated rewards are capped monthly, and the former air-accident cover is no longer included. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
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