Standard Chartered DigiSmart Credit Card vs HDFC Bank Freedom Credit Card

Joining Fees

₹49

₹500

Editor's Rating

3

4.3

Key Features

  • Get 20% off at Myntra, 20% discount at Yatra on domestic flights, & 10% discount on your Zomato food orders
  • Buy One Get One (BOGO) movie ticket free at INOX
  • Get 15% cashback on Ola cabs
  • Convert big spends above Rs. 5000 to easy EMI at attractive pricing and flexible tenure options
  • Get 10X CashPoints on your favourite merchants such as Big Basket, BookMyshow, OYO, Swiggy, and Uber. Do note a maximum of 2,500 CashPoints can be earned in a calendar month 
  • Get 5X CashPoints on EMI spends at merchant locations. Do note a maximum of 2,500 CashPoints can be earned in a calendar month 
  • Earn 1 CashPoint for every Rs. 150  on other spends  
  • Get up to 20% discount on partnered restaurants via Swiggy Dineout
  •  Rupay Credit Cardholders can earn 1 RP for every Rs. 150 spent on UPI transactions. The reward points are capped at 500 per calendar month
  • Zero lost Card liability 
  • Avail up to 50 days of interest-free period
  • Enjoy Revolving Credit at a nominal interest rate
  • Enjoy amazing dining benefits with the Good Food Trail program
  • Get up to 20% savings on all restaurant bill payments via Swiggy Dineout, which consists of 20k + restaurants, and the offer is inclusive of Restaurant and Swiggy Discount. This offer is valid only on payments done via the Swiggy App
  • 1% Fuel Surcharge waiver on fuel transactions. This is applicable for minimum transaction of Rs. 400 and maximum transaction of Rs. 5,000
  • Get 500 CashPoints- this is applicable only on payment of membership fee
  • Get the renewal membership fee waived by spending Rs. 50,000 and above in an annual year
  • Convert your big spends into EMI after purchase
  • The Credit Card is enabled for contactless payments
  • Spend Rs. 50,000 or more in a year, before the Credit Card renewal date to get renewal fee waived off 

Editor's Review

Pros

  • Get a loan on your credit card up to Rs. 5,00,000. Flexible tenure from 12 to 60 months
  • 10% discount on international flights with a maximum discount of Rs. 10,000. 25% discount on domestic hotels with a maximum discount of Rs. 4,000
  • Transfer card balance up to Rs. 5 Lakh at an attractive interest rate

Cons

  • No Complimentary Airport Lounge access
  • No Fuel Surcharge Wavier
  • No Golf/coaching sessions

Pros

  • Get 10X CashPoints on your favourite merchants such as Big Basket, BookMyshow, OYO, Swiggy, and Uber
  • Get 5X CashPoints on EMI spends at merchant locations, and 1 CashPoint for every Rs. 150  on other spends  
  •  Rupay Credit Cardholders can earn 1 RP for every Rs. 150 spent on UPI transactions

Cons

  • No golf benefits are provided
  • No international and domestic airport lounge access
  • No rewards


More comparisions with Standard Chartered DigiSmart Credit Card

More comparisions with HDFC Bank Freedom Credit Card

Downloads