IndianOil Axis Bank Credit Card vs Standard Chartered Ultimate Card

• Get 4% value back on fuel transactions by earning 20 reward points per Rs. 100 spent at IOCL fuel outlet in India. To avail this offer, transact between Rs. 400 and Rs. 4000 per month
• 1% value back on online shopping by earning 5 reward points per Rs. 100 spent. To avail this offer, transact at online merchants between Rs. 100 and Rs. 5000
• 1% fuel surcharge waiver- To avail this offer, transact at any fuel outlet between Rs. 400 and Rs. 4000 per month.
• Spend more than Rs. 3,50,000 in a year and be eligible for annual fee waiver
• Instant discount up to 10% on movie tickets booked via Bookmyshow app or website
• Avail 1 EDGE REWARD point on Rs. 100 spend with the credit card
• Indulge in delectable cuisines with Axis Bank Dining Delights that offers up to 15% discount at partnered restaurants in India via the EasyDiner

• Get up to Rs. 10,000 cashback on MakeMyTrip
• Earn 5 reward points on every Rs. 150 spent and get maximum benefit with 1 reward point equal to Re 1
• 5% cashback on duty-free spends  
• Up to 25% discount at the top 750 restaurants in India
• Access 20 premier golf courses in India and 150 worldwide
• Convert big credit card transactions (starting from Rs. 5,000) into easy EMI with "Kuch Bhi" facility at attractive rates pricing and flexible tenure options

Pros

• Dining Delights - 15% off at partner restaurants
• Instant discount on BookMyShow
• 1% fuel surcharge waiver on all fuel transactions in India

Cons

• No Golf/coaching sessions
• No Airport Lounge Access

Pros

• 2% foreign currency markup* fee on overseas spends
• Access to over 1000 airport lounges across the world, with a complimentary Priority Pass membership
• Enjoy a wide range of instant payment solutions like BharatQR, Bharat bill payment solution (BBPS) and Samsung Pay

Cons

• High Annual Fee of Rs. 5,000
• No fee waiver
• No category-specific elevated rates (e.g. Higher cashback rate for grocery spending)