Updated September 29, 2026 · DebitCue Editorial Team
Capital One vs SBI Card
SBI Card
Capital One
Higher score in this comparison
Where Capital One and SBI Card differ
| Compare | Capital OneReviewSee alternativesSee alternatives | SBI CardReviewVisitVisit |
|---|---|---|
| Annual fee | $0 | ₹499 |
| APR | 34.9%Lower | 45% |
| Currency conversion fee | 0%Lower | 1.99% to 3.5% |
| Balance transfer intro period | 18 monthsHigher | 2 months |
| Balance transfer fee | 3% | 2%Lower |
| Rewards type | Cashback | Not confirmed |
| Rewards rate | unlimited 1.5% cash back on every purchase | 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 |
| Cashback rate | 1.5% | Not confirmed |
| Regulators | FDIC | Not confirmed |
Same on both: Credit needed (Excellent), Card kind (Credit).
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Key differences
- Capital One scores higher overall: 9.1 vs 8.7.
- Founded is lower at Capital One: 1985 vs 1998.
- APR is lower at Capital One: 34.9% vs 45%.
- Currency conversion fee is lower at Capital One: 0% vs 1.99% to 3.5%.
- Balance transfer fee is lower at SBI Card: 2% vs 3%.
- Balance transfer intro period is higher at Capital One: 18 months vs 2 months.
- Support channels: only Capital One offers Chat, Help centre.
- Features: only Capital One offers Rewards.
- Features: only SBI Card offers Virtual card, Travel.
Our verdict on each
Capital One
Capital One suits spenders who want cashback on everyday purchases with no annual cost while accepting card approval for shoppers with strong credit. You pay currency conversion fees of 0% and face APR of 34.9% if you carry a balance, so clearing in full each month matters most.
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 | SBI Card |
|---|---|---|
| Cost | 9.2HigherCost reflects annual fee of $0 plus currency conversion fees of 0%. | 8.8Annual fee INR 499 and APR 45% against free annual fees on Wise, £0, and Chime Card, $0. |
| Offer | 9.4HigherOffer reflects balance transfer intro period of 18 and APR of 34.9%. | 8.1The offer is the balance transfer option, fee 2% with an intro period of 2, on Visa network visa. |
| Trust | 8.9Trust reflects licence FDIC cert 4297 held by Capital One, National Association. | 9.0Higher |
Spending 1,000 abroad
Capital One
0
0% of 1,000
SBI Card
19.9 to 35
1.99% to 3.5% of 1,000
Capital One comes out 19.9 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 29, 2026.
What we checked
Capital One
- capitalone.com: 10 facts, checked September 29, 2026
- capitalone.co.uk: 4 facts, checked September 26, 2026
- banks.data.fdic.gov: 3 facts, checked September 28, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
SBI Card
- sbicard.com: 12 facts, checked September 26, 2026
- cuelinks.com: 1 fact, checked September 26, 2026
How they place
| Ranking | Capital One | SBI Card |
|---|---|---|
| Credit cards | 176 of 1020 | 35 of 1020 |
| Balance transfer cards | 14 of 35 | 1 of 35 |
Every fact side by side
| Fact | Capital One | SBI Card |
|---|---|---|
| Pricing model | No annual fee | Not confirmed |
| Features | Rewards | Virtual card, Travel |
| Audience | Not confirmed | Business |
| Legal entity | Capital One, National Association | SBI Cards and Payment Services Limited |
| Headquarters | United States | India |
| Founded | 1985Lower | 1998 |
| Support channels | Phone, Chat, Help centreCovers more | Phone |
Debit cards
| Fact | Capital One | SBI Card |
|---|---|---|
| Monthly fee | $0 | ₹0 to ₹9,999 |
| Card type | Debit | Not confirmed |
| Card network | Not confirmed | Visa |
Where each stands against the rest
| Fact | Capital One | SBI Card | Median |
|---|---|---|---|
| APR | 34.9%highest quarter | 45%highest quarter | 19.39% |
| Currency conversion fee | 0%below the median | 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% |
| Cashback rate | 1.5%at the median | Not confirmed | 1.5% |
Median across 312 listed cards.
Pros and cons
Capital One
Pros
- Annual fee of $0 keeps yearly card costs at free while you hold the account.
- Currency conversion fees of 0% keep foreign purchases free of added conversion charges.
- Balance transfer intro period of 18 gives room to spread repayment of moved debt.
Cons
- APR of 34.9% makes carried balances costly, so full repayment matters for value.
- Balance transfer fee of 3% adds cost when you move debt despite the intro period of 18.
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
Who it suits
- Shoppers who pay in full and want cashback with annual fee of $0 and currency conversion fees of 0%.
- Planners who want a balance transfer intro period of 18 to spread moved debt in a structured way.
Who should look elsewhere
- Carried balances: if you often revolve debt, Oney Préstamos may merit a look because Capital One APR of 34.9% is costly.
- Business money management: if you need invoicing and team controls, Qonto may fit better than a card of debit built around spending.
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.
Country by country
| Country | Capital One | SBI Card |
|---|---|---|
| India | No | Yes |
Questions about each
Capital One
Does Capital One charge an annual fee?+
What is the annual fee on Capital One? Annual fee is $0, which means fixed yearly card costs stay at free. You still need to manage APR of 34.9% and balance transfer fee of 3% when you carry or move balances.
What APR does Capital One charge?+
APR is 34.9%. That rate applies when you carry a balance beyond the payment due date. Paying in full each cycle helps you avoid interest and keeps the cashback value intact over time.
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
SBI Card
Capital One