SBI SimplySAVE 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 | Rewards | Super Premium |
| Annual Fee | ₹499 + GST | ₹5,000 + GST |
| Joining Fee | ₹499 + GST | ₹5,000 + GST |
| Rewards | 10X rewards on dining, grocery, movies & dept stores | 3.33% rewards value on all spends |
| Best For | Everyday Spending | Luxury Travel |
| Interest Rate | 3.35% per month (40.20% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹25,000 - ₹3,00,000 | ₹5,00,000 - ₹20,00,000 |
| Welcome Benefit | 500 bonus reward points | 10,000 reward points on first ₹20,000 spend |
| Min Income | ₹20,000/month | ₹1,00,000/month |
| Lounge Access | None | 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 | ₹249 + GST | Free |
| Rating | 4.2 | 4.7 |
| Contactless | ||
| EMI Conversion |
Key Features
SBI SimplySAVE
Everyday Spending
Visa • Rewards
- ₹500 annual fee waiver on ₹1L spend
- Fuel surcharge waiver
- 5X rewards on all other spends
- Contactless payments enabled
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 SimplySAVE or SC Ultimate?
SC Ultimate has the higher CardKhoj rating (4.7/5) and is best for luxury travel. SBI SimplySAVE 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: SBI SimplySAVE and SC Ultimate?
SBI SimplySAVE is cheaper to hold at ₹499 + GST, compared with ₹5,000 + GST for SC Ultimate.
Do SBI SimplySAVE and SC Ultimate offer airport lounge access?
SBI SimplySAVE: 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.
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