Standard Chartered Ultimate Card vs HDFC Bharat Credit Card

Joining Fees

₹5,000

₹500

Editor's Rating

4.6

3.3

Key Features

  • 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
  • Get 5% monthly cashback by booking tickets through IRCTC
  • On Fuel expenses, enjoy savings with 5% monthly cashback
  • Get 1% surcharge waiver and save up to Rs. 250 in every billing cycle (Min transaction of Rs. 400)
  • On Groceries spends, enjoy savings with 5% monthly cashback
  • Enjoy savings with 5% monthly cashback on Bill Payment and Mobile recharge
  • Get 5% monthly cashback on spends on PayZapp/EasyEMI/SmartBUY
  • Avail up to 50 interest-free days from date of purchase
  • Get Revolving Credit at Nominal interest rate
  • Save annually up to Rs 3,600 by simply using the HDFC Bank Bharat credit card

Editor's Review

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)

Pros

  • Get 1% surcharge waiver and save upto Rs. 250 in every billing cycle (Min transaction of Rs. 400)
  • Get 5% monthly cashback on spends on PayZapp/EasyEMI/SmartBUY
  • Avail up to 50 interest-free days from date of purchase

Cons

  • No Lounge Access
  • No Golf benefits


More comparisions with Standard Chartered Ultimate Card

More comparisions with HDFC Bharat Credit Card

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