Standard Chartered Emirates World Credit Card vs Yes Bank First Reserv 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.

• Earn 8000 bonus Reward Points if renewal fee is charged (This is applicable second year onwards)
• Get up to 1.75% markup on foreign currency
• For 6 months for mobile and electronic purchased online, get insurance cover of up to Rs. 50,000 against accidental damage
• Enjoy 4 green fee waiver per year- Get 1 Golf lesson per year at select golf courses in India
• Credit Shield cover of 15 Lakh
• Lost Card liability 15 Lakh to 30 Lakh
• 1% fuel surcharge waiver between Rs 400 and Rs 5000
• Access to airport lounges internationally for Mastercard and Visa cards: Get 6 complimentary International Airport lounge visits per calendar year
• 3 complimentary domestic airport lounge visits per quarter
• Get 5 times the benefits of YES Rewardz Points on Travel, Dining, Fashion and Healthcare categories
• Get 3 times the regular benefits of YES Rewardz Points for online dining or online grocery and apparel or other retail spends
• Avail 24 YES Rewardz Points on every Rs. 200 for online shopping
• Avail 12 YES Rewardz Points on every Rs. 200 for offline shopping
• Avail 6 YES Rewardz Points on every Rs. 200 on select categories
• Air Miles: Get 10 YES Rewardz Points= 1 InterMile / 1 Club Vistara Point
• Instant EMI: Pay in parts for transactions as low as Rs. 1500
• Post Purchase EMI: Convert payments into EMI with on-call service at attractive interest rates
• Quick Loan: Avail a loan amount within the card limit to fullfil immediate fund requirements
• Contactless Transactions

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

• For 6 months for mobile and electronic purchased online, get insurance cover of up to Rs. 50,000 against accidental damage
• Enjoy 4 green fee waiver per year- Get 1 Golf lesson per year at select golf courses in India
• Get up to 1.75% markup on foreign currency

Cons

• No railway lounge access
• No cashback offers
• Post exhaustion of the complimentary lounge access quota, applicable charges plus taxes will apply on airport lounge access for cardmember(s) and for each guest visit