SBI ELITE 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 | Super Premium | Super Premium |
| Annual Fee | ₹4,999 + GST | ₹5,000 + GST |
| Joining Fee | ₹4,999 + GST | ₹5,000 + GST |
| Rewards | 2X reward points on dining, movies & grocery | 3.33% rewards value on all spends |
| Best For | Premium Lifestyle | Luxury Travel |
| Interest Rate | 3.35% per month (40.20% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹3,00,000 - ₹15,00,000 | ₹5,00,000 - ₹20,00,000 |
| Welcome Benefit | 5000 bonus reward points | 10,000 reward points on first ₹20,000 spend |
| Min Income | ₹60,000/month | ₹1,00,000/month |
| Lounge Access | Unlimited domestic + 6 international per year | Unlimited domestic + international (Priority Pass) |
| Fuel Surcharge Waiver | 1% waiver on ₹500-₹3,000 txns | 1% waiver on all fuel txns |
| Foreign Txn Fee | 3.5% + GST | 2.0% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.6 | 4.7 |
| Contactless | ||
| EMI Conversion |
Key Features
SBI ELITE
Premium Lifestyle
Mastercard • Super Premium
- Complimentary Trident Privilege membership
- Unlimited domestic lounge visits
- Buy 1 Get 1 on BookMyShow
- Annual fee reversal on ₹10L spend
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 ELITE or SC Ultimate?
SC Ultimate has the higher CardKhoj rating (4.7/5) and is best for luxury travel. SBI ELITE is the better fit if your priority is premium lifestyle. The right choice depends on where you spend most.
Which has the lower annual fee: SBI ELITE and SC Ultimate?
SBI ELITE is cheaper to hold at ₹4,999 + GST, compared with ₹5,000 + GST for SC Ultimate.
Do SBI ELITE and SC Ultimate offer airport lounge access?
SBI ELITE: unlimited domestic + 6 international 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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