SBI CashBack Card 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 | SBI | Standard Chartered |
| Card Type | Premium Cashback | Super Premium |
| Annual Fee | ₹999 + GST | ₹5,000 + GST |
| Joining Fee | ₹999 + GST | ₹5,000 + GST |
| Rewards | 5% Cashback on ALL online spends | 3.33% rewards value on all spends |
| Best For | Pure Cashback | Luxury Travel |
| Interest Rate | 3.35% per month (40.20% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹5,00,000 - ₹20,00,000 |
| Welcome Benefit | None | 10,000 reward points on first ₹20,000 spend |
| Min Income | ₹30,000/month | ₹1,00,000/month |
| Lounge Access | None | Unlimited domestic + international (Priority Pass) |
| Fuel Surcharge Waiver | 1% waiver (cap ₹100/month) | 1% waiver on all fuel txns |
| Foreign Txn Fee | 3.5% + GST | 2.0% + GST |
| Add-On Card Fee | ₹499 + GST | Free |
| Rating | 4.5 | 4.7 |
| Contactless | ||
| EMI Conversion |
Key Features
SBI CashBack Card
Pure Cashback
Visa • Premium Cashback
- 1% cashback on offline spends
- Direct cashback credit to statement
- No merchant restrictions for 5% cashback
- Fuel surcharge waiver up to ₹100/month
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: SBI CashBack Card or SC Ultimate?
SC Ultimate has the higher CardKhoj rating (4.7/5) and is best for luxury travel. SBI CashBack Card is the better fit if your priority is pure cashback. The right choice depends on where you spend most.
Which has the lower annual fee: SBI CashBack Card and SC Ultimate?
SBI CashBack Card is cheaper to hold at ₹999 + GST, compared with ₹5,000 + GST for SC Ultimate.
Do SBI CashBack Card and SC Ultimate offer airport lounge access?
SBI CashBack Card: no complimentary lounge access. 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.
Related Articles
Top 10 High-Reward Credit Cards for Online Shopping in India (2026)
Maximize your savings with the best e-commerce credit cards. We compare Amazon Pay ICICI, HDFC Millennia, and more.
HDFC vs ICICI Credit Cards: Which Bank Offers More Value?
An in-depth battle of the banking giants. We compare reward points, lounge access, and fee structures of India's top issuers.
How to Get a Credit Card Without Income Proof or Salary Slip
Get a credit card even without salary proof. Explore FD-backed secured cards, prepaid cards, and add-on card options.
Best First Credit Card for Beginners with No Credit History
Starting your credit journey? Compare the best entry-level cards from HDFC, ICICI, SBI, and Axis for first-time users.