HDFC Doctor’s Superia Credit Card vs Standard Chartered Rewards Credit Card

• Avail 3 Reward Points for every Rs. 150 you spend. Accumulate Reward Points and redeem them for air miles on more than 20 international airlines or on any major domestic airline. You can also redeem your Reward Points for exciting gifts from an exclusive rewards catalogue, at the applicable redemption rate.
• Enjoy 50% more reward points on dinner spends.
• Doctor's Superia Credit Card provides protection worth up to Rs. 20 Lakh against costs arising due to professional negligence.
• Get first year fee reversed if you spend Rs. 15,000 in first 90 days of card set-up date and renewal fee reversed if you spend Rs. 1,00,000 in a year prior to the renewal date.

• Second Year onwards the annual fees will be reversed on spends of Rs. 1,50,000 or more in the previous year. Alternatively, cardholder will be entitled to receive 4000 reward points on the payment of Annual Fees
• Get 4 reward points per Rs. 150 on all Retail spends (except Government, Insurance and Fuel categories)
• Avail additional 4 reward points per Rs. 150 on monthly Retail spends above Rs. 20,000 (max. 2000 bonus reward points per statement cycle)
• 1 Domestic Lounge Visit per calendar quarter (4 per year)
• 1 reward point on every Rs. 150 spent on Government and Insurance categories
• 1% Fuel Surcharge waiver on all fuel spends
• Get a wide range of instant payment solutions like Samsung Secure Play and BharatQR Bharat Bill Payment Solution (BBPS)
• Enjoy the facility of Kuch Bhi on EMI option where you can convert big spends above Rs. 2,000 to easy EMI through online banking or SC Mobile. Avail attractive pricing and flexible tenure options
• Easily redeem reward points against the bank’s new online catalogue with Standard Chartered 360* Rewards
• Avail loan up to Rs. 5,00,000 on the credit card with flexible tenure from 12 to 60 months
• Transfer card balance from other bank credit cards up to Rs. 5,00,000 at attractive interest rate
• Convert entire outstanding, up to Rs. 5,00,000, in EMIs with zero processing fees

Pros

• Renewal Benefit: 1000 reward points
• Any One Accident: Rs 4 Lakh & Deductible: Rs 25,000 for each & every claim
• Reward points validity: Reward points are valid only for 2 years from the date of accumulation.

Cons

• No golf/coaching sessions
• No complimentary Airport Lounge access

Pros

• 1% Fuel Surcharge Waiver
• 4 reward points per Rs. 150 on all Retail spends
• Avail loan up to Rs. 5,00,000 on the credit card with flexible tenure from 12 to 60 months

Cons

• No golf benefits
• No international airport lounge access / dining/ movie benefits