Apollo SBI Card vs Standard Chartered Platinum Rewards Credit Card

• Get complimentary Apollo Gold Tier Membership
• Get 3X Reward Points on every Rs. 100 spent on all Apollo services
• Get 10% Instant Discount at Select Apollo Services
• On every Rs. 100 spent on Dining, Movies & Entertainment, get 2X Reward Points

* Earn 5 reward points for every Rs. 150 spent on dining and fuel with no monthly cap on the rewards earned

* Earn 1 reward point for every Rs. 150 spent on all other categories

* Zero Annual and Joining Fees- Spend Rs 500 or more within 30 days from card issuance to avoid levy of onetime fee of Rs. 250 + GST

* Supplementary Credit Card Facility- By availing this facility, the cardholder can extend all the SCB platinum rewards card benefits to its family members

* This is a Contactless credit card

* Enjoy the enhanced security for online transactions through 3D secure OTP verification

Pros                                                                                                                                                                                                                                                                                                                                                                                                   

• Convert Reward Point into Health Credits
• Get 10% Instant Discount at Select Apollo Services
• Complimentary Apollo Gold Tier Membership                                                                                                       

Cons 

• The reward points earned can only be redeemed to avail services at Apollo Healthcare Centers and related stores
• The complimentary OneApollo Silver Tier Membership doesn’t add much value as it could be availed by simply enrolling for the program for a decent cost or even for free. If they had to give this benefit, they should have probably offered a Gold Tier Membership to the program, which otherwise requires the person to spend a high fee for it in a year
• No Golf/coaching sessions

Pros

* Get wide range oof instant payment solutions like Samsung Pay and BharatQR, and Bharat Bill Payment Solution (BBPS)

* Avail Online Banking and SC Mobile facility that offers convenience to make online credit card transactions

* Convert an entire outstanding balance amounting up to Rs. 5,00,000 into EMIs at zero processing fees

Cons

* No complimentary airport lounge access

* No fuel surcharge wavier

* No golf/coaching sessions