Compare Standard Chartered Emirates World Credit Card vs ICICI Bank American Express Business Essential Credit Card

On Emirates transactions of Rs. 150 earn Six Skyward miles, and Three Skyward Miles on every Rs 150 spent on all other transactions.
Get complimentary lounge access to 25+ domestic lounges through the Mastercard Lounge program and Two complementary accesses to Domestic and International Priority Pass lounges per month. Spend more than Rs 10,000 in a month and enjoy Two free accesses to Priority Pass lounges in the next month.
Complimentary overseas air accident coverage of Rs. 1 Crore including insurance on the loss of baggage and flight delay
Get access to three complimentary golf games a year, one free lesson a month and 50% discount on all games.
Redeem Skywards miles on Emirates, Jet Airways, Qantas, Jetstar, easyJet, JetBlue, Alaska Airlines and more.

Key benefits: Joining bonus of 1,500 PAYBACK Points from ICICI Bank Rewards with additional annual bonus of 1,500 PAYBACK Points from ICICI Bank Rewards.

Reward Points: Enjoy limitless reward-earning opportunities powered by PAYBACK, which is India’s largest and Europe’s most popular loyalty programme with every transaction as described below:

- 6 PAYBACK Points from ICICI Bank Rewards on every Rs 100 spent online

- 4 PAYBACK Points from ICICI Bank Rewards on every Rs 100 spent on dining & Airline transactions

- 4 PAYBACK Points from ICICI Bank Rewards on every Rs 100 spent on Hotel & Car Rental

- 2 PAYBACK Points from ICICI Bank Rewards on every Rs 100 spent on other spends (except fuel, utility and insurance)

Reward points redemption: When you desire to redeem your PAYBACK Points from ICICI Bank Rewards, you are provided with a worthy selection of rewards to choose from as described below:

Merchandise:

- Stylish accessories from Guess, Tommy Hilfiger and Calvin Klein. Classic time pieces from Omega. Raymond Weil and Tag Heuer

- Latest gadgets from Apple, Blackberry, Canon, Samsung and Sony Ericsson. Perfumes such as Dunhill, 5th Avenue, Bvlgari and Carolina Herrara. These finest brands await for your indulgence

- Gift vouchers: You can redeem points for gift vouchers from Debenhams, Nautica, Jack and Jones, Taj Hotels Palaces & Resorts

- Air miles: Convert PAYBACK Points from ICICI Bank Rewards into air miles on Jet Airways Miles and more

Culinary Treats: Drench your taste buds with various delicious treats at some of the leading restaurants in India and get avail great discounts. Save a minimum of 15% on dining bill at all participating restaurants. To view the complete list of restaurants, visit www.culinarytreats.com. You can also download the ICICI Bank Culinary Treats mobile app from (app store) or (google play)
American Express® SELECTS provides a broad range of special offers around the globe in travel, dining, shopping and entertainment. To view the current list of their offers, visit www.amexnetwork.com/selects
Avail exclusive savings on ICICI Bank Business Essential Card
Savings on fuel purchases: No fuel surcharge will be levied on fuel transactions up to Rs. 5,000 at HPCL petrol pumps (having ICICI Bank Point of Sale terminal) when you use your ICICI Bank American Express® Business Essential Credit Card
Complimentary access to Railway Lounges and select lounges at airports in India with your ICICI Bank American Express® Business Essential Credit Card

Pros

Earn miles on every transaction
Airport Lounge access
Cashback on Duty-Free purchases

Cons

Interest rate is high
Annual fee/renewal fee is high

Pros

ICICI Business Essential has been specifically designed to deliver higher rewards catering to your business requirement
Complimentary access to Railway Lounges and select lounges at airports in India with your ICICI Bank American Express® Business Essential Credit Card
No fuel surcharge will be levied on fuel transactions up to Rs. 5,000 at HPCL petrol pumps (having ICICI Bank Point of Sale terminal) when you use your ICICI Bank American Express® Business Essential Credit Card

Cons