Standard Chartered Emirates World Credit Card vs Marriott Bonvoy HDFC Bank 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.

* Avail 8 Marriott Bonvoy Points per Rs. 150 spent at hotels participating in Marriott Bonvoy
* Avail 4 Marriott Bonvoy Points per Rs. 150 spent on dining, entertainment, and travel
* Avail 2 Marriott Bonvoy Points per Rs. 150 spent on all other applicable purchases
* Get Complimentary Golf Access 2 per quarter across the globe (Green Fee Waiver)
* Zero Lost card liability
* Foreign Currency Markup is 3.5% on all foreign currency spends
* Enjoy Revolving Credit on Marriott Bonvoy HDFC Bank Credit Card at nominal interest rate
* Avail 12 Complimentary domestic and international terminals access within India using the Marriott Bonvoy HDFC Bank Credit Card each year
* Avail 12 Complimentary airport lounge access outside India each year
* Get 1 Free Night Award on Eligible Spends of Rs. 6 lakhs in an Anniversary Year
* Get 1 Free Night Award on Eligible Spends of Rs. 9 lakhs in an Anniversary Year
* Get 1 Free Night Award on Eligible Spends of Rs. 15 lakhs in an Anniversary Year
* Avail Delay or loss of checked-in baggage cover of up to $250
* Loss of travel documents cover of up to $250
* Flight delay cover of up to $250
* Air accidental cover of up to $12,500
* Emergency medical expenses cover of up to $18,750
* Credit shield of up to Rs. 100,000
* Loss liability cover of up to Rs. 100,000
* Exclusive Concierge Services
* You can convert big spends into EMI after purchases
*  Marriott Bonvoy HDFC Bank Credit Card is enabled for contactless payments

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

* Avail elite privileges on Marriott hotel bookings
* Get international and domestic airport lounges access
* Get access to Marriott Bonvoy Silver Elite Status 
* As welcome and milestone benefits, get Free Night Stays at Marriott

Cons

* There are no general travel benefits
* The features to co-branded hotel bookings are limited
* The base reward rate is low
* There’s no Priority Pass membership
* There’s no card renewal benefits or fee waiver option