Updated September 28, 2026 · DebitCue Editorial Team
NHL® Discover it® vs SBI Card
SBI Card
NHL® Discover it®
Higher score in this comparison
NHL® Discover it® vs SBI Card: the differences
| Compare | NHL® Discover it®ReviewSee alternativesSee alternatives | SBI CardReviewVisitVisit |
|---|---|---|
| Annual fee | $0 | ₹499 |
| APR | 18.49% to 28.49%Lower | 45% |
| Balance transfer intro period | 15 monthsHigher | 2 months |
| Balance transfer fee | 3% | 2%Lower |
| Credit needed | Good | Excellent |
| Currency conversion fee | Not confirmed | 1.99% to 3.5% |
| Rewards type | Cashback | Not confirmed |
| Rewards rate | 1% cash back on all other purchases; 5% cash back in rotating categories, plus dollar-for-dollar match in first year | Not confirmed |
| Perks | $0 fraud liability on unauthorized purchases, Unlimited Cashback Match: dollar for dollar match of cash back earned in the first 365 days, Free CreditWise credit monitoring and FICO Score 8 access, Pre approval tool that does not impact your credit score, Card Lock in the mobile app, 99% nationwide acceptance (Nilson Report, Feb 2026), Virtual card available before the physical card arrives, if eligible | Not confirmed |
Same on both: Card kind (Credit).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- NHL® Discover it® scores higher overall: 9.3 vs 8.7.
- Founded is lower at NHL® Discover it®: 1985 vs 1998.
- APR is lower at NHL® Discover it®: 18.49% to 28.49% vs 45%.
- Balance transfer fee is lower at SBI Card: 2% vs 3%.
- Balance transfer intro period is higher at NHL® Discover it®: 15 months vs 2 months.
- Support channels: only NHL® Discover it® offers Chat, Help centre.
- Features: only NHL® Discover it® offers Rewards.
- Features: only SBI Card offers Virtual card, Travel.
Our verdict on each
NHL® Discover it®
NHL Discover it is a US credit card that suits people who want cashback on everyday spending without paying an annual fee, and who are comfortable holding a balance at 18.49% to 28.49%. It is issued by Discover by Capital One, N.A., and rewards are cashback rather than points or miles.
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 | NHL® Discover it® | SBI Card |
|---|---|---|
| Cost | 9.2HigherAnnual fee of $0 and a balance transfer fee of 3%, with APRs of 18.49% to 28.49% against a site median of 20.97%. | 8.8Annual fee INR 499 and APR 45% against free annual fees on Wise, £0, and Chime Card, $0. |
| Offer | 9.4HigherCashback on every purchase with a match on the first 15 of spending, plus good credit needed. | 8.1The offer is the balance transfer option, fee 2% with an intro period of 2, on Visa network visa. |
| Trust | 9.4Higher | 9.0 |
Which one suits you
Pick NHL® Discover it® if cost, offer, trust, apr, and balance transfer intro period matter most.
Pick SBI Card if balance transfer fee matter most.
Availability and regulation
Additional countries for NHL® Discover it®: 1. Additional countries for SBI Card: 1.
Moving a 3,000 balance
NHL® Discover it®
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.
How they place
| Ranking | NHL® Discover it® | SBI Card |
|---|---|---|
| Credit cards | 96 of 1020 | 35 of 1020 |
| Balance transfer cards | 3 of 35 | 1 of 35 |
Every fact side by side
| Fact | NHL® Discover it® | SBI Card |
|---|---|---|
| Pricing model | No annual fee | Not confirmed |
| Features | Rewards | Virtual card, Travel |
| Audience | Not confirmed | Business |
| Legal entity | Discover by Capital One, N.A. | SBI Cards and Payment Services Limited |
| Headquarters | United States | India |
| Founded | 1985Lower | 1998 |
| Support channels | Phone, Chat, Help centreCovers more | Phone |
Debit cards
| Fact | NHL® Discover it® | SBI Card |
|---|---|---|
| Monthly fee | Not confirmed | ₹0 to ₹9,999 |
| Card network | Not confirmed | Visa |
Where each stands against the rest
| Fact | NHL® Discover it® | SBI Card | Median |
|---|---|---|---|
| APR | 18.49% to 28.49%below the median | 45%highest quarter | 19.39 |
| Currency conversion fee | Not confirmed | 1.99% to 3.5%above the median | 1 |
| Balance transfer intro period | 15 monthsat 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
NHL® Discover it®
Pros
- No annual fee, so nothing to pay for keeping the card open: $0
- Cashback on all purchases, with a dollar-for-dollar match on the first 15 of spending
- Balance transfer offer of 15 at a fee of 3%
Cons
- Purchases carry an APR of 18.49% to 28.49%, and cashback is smaller than the interest on a carried balance
- Rotating category bonuses mean the 15 match is the strongest part of the offer only early on
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
NHL® Discover it®
Who it suits
- US cardholders who want a simple cashback card with no annual fee
- People planning a balance transfer who can clear the balance inside the offer period
- Hockey fans who want a card with cashback and no annual fee
Who should look elsewhere
- Anyone wanting points or miles instead of cashback, where Wise has no rewards at all
- Anyone who needs a debit card for daily spending, where Starling is the better fit
- Anyone rebuilding credit from scratch, where Varo is the better fit
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
NHL® Discover it®
Current offer
Bonus
Discover it Cash Back $200 welcome bonus: $200 statement credit after spending $500 on purchases within 3 months of account opening
One-time, new cardholders only, available by clicking Apply Now on the page; may not be available if you navigate away or close the page
Source, checked September 26, 2026
Bonus
Unlimited Cashback Match on Discover it Cash Back: Dollar-for-dollar match of all cash back earned in the first 365 days, no limit
For new cardholders; no purchase minimums; offered from account approval through first 365 days; promotional offer may not be available in the future
Source, checked September 26, 2026
First period offer
0% intro APR on Discover it Cash Back: 0% intro APR for 15 months on purchases and balance transfers
Eligible customers only; 18.49% to 28.49% variable APR after that; balance transfer fee applies
Source, checked September 26, 2026
Country by country
| Country | NHL® Discover it® | SBI Card |
|---|---|---|
| India | No | Yes |
| United States | Yes | No |
Questions about each
NHL® Discover it®
What does NHL Discover it cost to keep?+
There is an annual fee of $0, so the card costs nothing while it sits in your wallet. A balance transfer costs 3% and runs for 15, which is the only separate charge on the card.
What APR will I pay on purchases?+
Purchases carry an APR of 18.49% to 28.49%, which is a range set by your credit profile. The site median across compared cards is 20.97%, so check where your own rate lands before carrying a balance.
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
NHL® Discover it®