Updated September 28, 2026 · DebitCue Editorial Team
Capital One UK vs SBI Card
SBI Card
Capital One UK
Higher score in this comparison
Capital One UK vs SBI Card: the differences
| Compare | Capital One UKReviewSee alternativesSee alternatives | SBI CardReviewVisitVisit |
|---|---|---|
| Annual fee | £0 | ₹499 |
| APR | 34.9%Lower | 45% |
| Currency conversion fee | 2.75% | 1.99% to 3.5%Lower |
| Balance transfer intro period | 18 monthsHigher | 2 months |
| Balance transfer fee | 3% | 2%Lower |
| Credit needed | Poor | Excellent |
| Rewards type | None | Not confirmed |
| Perks | Free CreditWise credit score and report, Up to 56 days interest free on new spends, Section 75 protection on spends between GBP 100 and GBP 30,000, Up to 2 credit limit increases a year, Free QuickCheck eligibility check with no impact to credit score, Round the clock fraud security | Not confirmed |
Same on both: Card kind (Credit).
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Key differences
- Capital One UK scores higher overall: 9.1 vs 8.7.
- Founded is lower at Capital One UK: 1996 vs 1998.
- APR is lower at Capital One UK: 34.9% vs 45%.
- Currency conversion fee is lower at SBI Card: 1.99% to 3.5% vs 2.75%.
- Balance transfer fee is lower at SBI Card: 2% vs 3%.
- Balance transfer intro period is higher at Capital One UK: 18 months vs 2 months.
- Support channels: only Capital One UK offers Chat, Email, Help centre.
Our verdict on each
Capital One UK
Capital One UK suits UK shoppers building a score or clearing a balance, offering a balance transfer intro of 18 and credit tools with no fee to hold. The representative APR of 34.9% makes it a card to clear rather than revolve.
SBI Card
SBI Card suits business users in India who want a Visa credit line and a balance transfer route, though the pricing runs high. The APR of 45% is the figure to weigh, and the annual fee of INR 499 sits on top of it every year.
Score breakdown
| Area | Capital One UK | SBI Card |
|---|---|---|
| Cost | 8.7Annual fee £0 and a 3% balance transfer fee keep costs low, against 34.9% interest and 2.75% abroad. | 8.8HigherAnnual fee INR 499 and APR 45% against free annual fees on Wise, £0, and Chime Card, $0. |
| Offer | 9.5HigherBalance transfer intro of 18, free credit score tools, and no rewards (none). | 8.1The offer is the balance transfer option, fee 2% with an intro period of 2, on Visa network visa. |
| Trust | 9.0 | 9.0 |
Moving a 3,000 balance
Capital One UK
90
3% of 3,000
SBI Card
60
2% of 3,000
SBI Card comes out 30 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Spending 1,000 abroad
Capital One UK
27.5
2.75% of 1,000
SBI Card
19.9 to 35
1.99% to 3.5% of 1,000
SBI Card comes out 7.6 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Where they rank in our lists
| Ranking | Capital One UK | SBI Card |
|---|---|---|
| Credit cards | 153 of 1020 | 35 of 1020 |
| Balance transfer cards | 10 of 35 | 1 of 35 |
Every fact side by side
| Fact | Capital One UK | SBI Card |
|---|---|---|
| Pricing model | No annual fee | Not confirmed |
| Features | Not confirmed | Virtual card, Travel |
| Audience | Not confirmed | Business |
| Legal entity | Capital One (Europe) plc | SBI Cards and Payment Services Limited |
| Headquarters | United Kingdom | India |
| Founded | 1996Lower | 1998 |
| Support channels | Chat, Phone, Email, Help centreCovers more | Phone |
Debit cards
| Fact | Capital One UK | SBI Card |
|---|---|---|
| Monthly fee | Not confirmed | ₹0 to ₹9,999 |
| Card network | Not confirmed | Visa |
Where each stands against the rest
| Fact | Capital One UK | SBI Card | Median |
|---|---|---|---|
| APR | 34.9%highest quarter | 45%highest quarter | 19.39% |
| Currency conversion fee | 2.75%highest quarter | 1.99% to 3.5%above the median | 1% |
| Balance transfer intro period | 18 monthsabove the median | 2 monthslowest quarter | 15 months |
| Balance transfer fee | 3%at the median | 2%below the median | 3% |
Median across 312 listed cards.
Pros and cons
Capital One UK
Pros
- Aimed at poor credit, so applicants turned down elsewhere can still apply.
- Support runs on chat, phone and email, so help is easy to reach by phone, chat, email or a help centre.
- Credit building tools come as standard: a free credit score and report, an eligibility check that leaves the credit score untouched, and round the clock fraud security.
Cons
- Representative APR of 34.9% sits above the site average of 20.97%, so an unpaid balance costs quickly.
- Foreign purchases are charged 2.75% in currency conversion, above the site average of 1%.
- The rewards type is listed as none, so nothing comes back on everyday spending.
SBI Card
Pros
- Balance transfers are available, with a fee of 2% over an intro period of 2.
- Runs on the Visa network, so the card is accepted wherever Visa is taken: visa.
- Virtual card and travel features are both listed, which suits spending abroad: virtual card and travel.
Cons
- The APR is 45%, which ranks 123 of 133 brands on rate.
- An annual fee of INR 499 applies, against £0 on Wise and $0 on Chime Card.
- Support runs on phone only, so there is no listed written channel for questions.
Who each suits
Capital One UK
Who it suits
- UK applicants with poor credit who want a mainstream card rather than a secured one.
- Balances being cleared, where the 18 transfer window and 3% fee on the balance transfer card keep the move contained.
- Cardholders who pay in full and would rather build a score than chase rewards.
Who should look elsewhere
- Not for frequent foreign spend, where Wise charges 0% on currency conversion against 2.75% on this card.
- Not for anyone after a deposit backed card, since Varo Believe Secured Credit Card has an annual fee of $0 on a secured basis.
- Not for shoppers who want a rewards earn on everyday buying, as the rewards type here is none and Chime Card (Secured Visa Credit Card) offers the same credit building route.
SBI Card
Who it suits
- Business owners in India who want a revolving Visa line and a balance transfer route for existing borrowing.
- Travellers who want a business card with travel features from a long established Indian issuer.
- Applicants with an excellent credit history, excellent, who can carry a high APR without strain.
Who should look elsewhere
- Wise, if the annual charge decides it: the annual fee is £0 against INR 499 here.
- Varo Believe Secured Credit Card, whose annual fee is $0, for applicants building a credit history from scratch.
- Chime Card (Secured Visa Credit Card), with an annual fee of $0, if the lowest annual charge matters most.
Current offers
Capital One UK
Current offer
First period offer
0% interest on balance transfers for up to 18 months and on purchases for up to 3 months: 0% for up to 18 months on balance transfers; 0% for up to 3 months on purchases
Balance Transfer card; up to 3% transfer fee (maximum 3%); up to GBP 8,000 starting credit limit; representative example assumes a GBP 1,200 credit limit with 34.94% p.a. variable interest on purchases giving 34.9% APR representative variable
Source, checked September 26, 2026
Country by country
| Country | Capital One UK | SBI Card |
|---|---|---|
| India | No | Yes |
| United Kingdom | Yes | No |
Questions about each
Capital One UK
Is there an annual fee on the Capital One UK credit card?+
There is no annual fee. The card is sold on a no annual fee model, so the annual fee is £0 and the only real cost is interest. That interest is the part to watch, at a representative APR of 34.9%, because the card is aimed at poor credit and some applicants will revolve.
What rate applies if I do not clear the balance?+
The representative APR is 34.9%, above the site average of 20.97%. New purchases sit inside the interest free window the card offers, so the rate matters most once that window runs out or a transferred balance is still unpaid.
SBI Card
What does an SBI Card cost to hold and borrow on?+
The annual fee is INR 499 on the cards in the range that charge an annual fee, and the APR is 45%. Borrowing at that rate is the main cost, and it sits at 123 of 133 brands in this comparison. Monthly fees run INR 0 to INR 9,999 on top, so the price depends on the card you pick.
What does it cost to spend in another currency?+
Currency conversion fees run 1.99% to 3.5% across the range and apply whenever a purchase is made abroad. Spending in the local currency avoids the conversion charge. Travel features are listed, virtual card and travel, though the conversion rate still applies to foreign transactions on any card in the range.
Other options to compare
Other matchups
SBI Card
Capital One UK