BoB Select vs SC Ultimate
Side-by-side credit card comparison to help you choose the best one.
SC Ultimate
Why this card wins: Luxury Travel — 3.33% rewards value on all spends
| Feature | ||
|---|---|---|
| Bank | Bank of Baroda | Standard Chartered |
| Card Type | Entry Level | Super Premium |
| Annual Fee | ₹499 + GST | ₹5,000 + GST |
| Joining Fee | ₹499 + GST | ₹5,000 + GST |
| Rewards | 2 reward points per ₹100 spent | 3.33% rewards value on all spends |
| Best For | Everyday Spending | Luxury Travel |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹25,000 - ₹2,00,000 | ₹5,00,000 - ₹20,00,000 |
| Welcome Benefit | 500 reward points on first spend | 10,000 reward points on first ₹20,000 spend |
| Min Income | ₹15,000/month | ₹1,00,000/month |
| Lounge Access | 2 domestic per year | Unlimited domestic + international (Priority Pass) |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on all fuel txns |
| Foreign Txn Fee | 3.5% + GST | 2.0% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4 | 4.7 |
| Contactless | ||
| EMI Conversion |
Key Features
BoB Select
Everyday Spending
Visa • Entry Level
- Annual fee waiver on ₹75,000 spend
- 2% cashback on utility bill payments
- Fuel surcharge waiver
- Easy EMI conversion facility
SC Ultimate
Luxury Travel
Visa Infinite • Super Premium
- Unlimited domestic & international lounge access
- Travel insurance up to ₹5 Crore
- Golf privileges worldwide
- Concierge services 24/7
Verdict
Based on rating and overall value, SC Ultimate ranks highest among your selected cards. It excels at Luxury Travel and offers 3.33% rewards value on all spends.
Frequently asked questions
Which is better: BoB Select or SC Ultimate?
SC Ultimate has the higher CardKhoj rating (4.7/5) and is best for luxury travel. BoB Select is the better fit if your priority is everyday spending. The right choice depends on where you spend most.
Which has the lower annual fee: BoB Select and SC Ultimate?
BoB Select is cheaper to hold at ₹499 + GST, compared with ₹5,000 + GST for SC Ultimate.
Do BoB Select and SC Ultimate offer airport lounge access?
BoB Select: 2 domestic per year. SC Ultimate: unlimited domestic + international (priority pass).
Which card is better for international spending?
SC Ultimate has the lowest forex markup at 2.0% + GST, which makes it cheaper for travel abroad and foreign-currency shopping.
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