Compare : Standard Chartered Ultimate Credit Card vs Standard Chartered Smart Credit Card

6,000 bonus reward points worth Rs. 6,000 on joining

NA

5 reward points for every spend of Rs. 150

1 Reward Point = Rs. 1

5% cashback, up to Rs. 1,000, on all duty-free spends

2% cashback on online spends, up to a maximum of Rs. 1,000 per month

1% cashback on other spends, up to a maximum of Rs. 500 per month

Fuel transactions are not eligible for cashback

1 lounge access per month via Priority Pass membership on spending Rs. 20,000 in the previous month

NA

Reward rate of 3.33% across all spends including insurance and utilities

1:1 rewards redemption ratio

12 complimentary golf games in a year at leading golf courses in India

Welcome benefit compensates for the joining fee

Low forex mark-up fee of 2% on international spends

5% cashback on duty-free spends

2X cashback on online spends

No brand restrictions on earning cashback

Low annual fee

Inclusion of utility bills (Gas, Electricity, Water, Telecom) in the cashback program

Lounge access is spend-based

Capping on cashback earning

Limited lifestyle benefits

No travel benefits

Capping on cashback earning is quite low

Despite being a cashback card, redemption is not straightforward

People who are looking for a rewards credit card, frequently make duty-free purchases at airports, play golf and can make the most out of the Priority Pass membership

People who frequently shop online & want to earn direct cashback for their spends