Standard Chartered Rewards Credit Card vs HDFC Moneyback Credit Card
Joining Fees
₹0
₹500
Editor's Rating
2.5
3.3
Key Features
- Second Year onwards the annual fees will be reversed on spends of Rs. 1,50,000 or more in the previous year. Alternatively, cardholder will be entitled to receive 4000 reward points on the payment of Annual Fees
- Get 4 reward points per Rs. 150 on all Retail spends (except Government, Insurance and Fuel categories)
- Avail additional 4 reward points per Rs. 150 on monthly Retail spends above Rs. 20,000 (max. 2000 bonus reward points per statement cycle)
- 1 Domestic Lounge Visit per calendar quarter (4 per year)
- 1 reward point on every Rs. 150 spent on Government and Insurance categories
- 1% Fuel Surcharge waiver on all fuel spends
- Get a wide range of instant payment solutions like Samsung Secure Play and BharatQR Bharat Bill Payment Solution (BBPS)
- Enjoy the facility of Kuch Bhi on EMI option where you can convert big spends above Rs. 2,000 to easy EMI through online banking or SC Mobile. Avail attractive pricing and flexible tenure options
- Easily redeem reward points against the bank’s new online catalogue with Standard Chartered 360* Rewards
- Avail loan up to Rs. 5,00,000 on the credit card with flexible tenure from 12 to 60 months
- Transfer card balance from other bank credit cards up to Rs. 5,00,000 at attractive interest rate
- Convert entire outstanding, up to Rs. 5,00,000, in EMIs with zero processing fees
- Annual Spend based benefit: By spending Rs. 50,000 and above in each calendar quarter, get Rs. 500 worth gift vouchers
- Renewal Offer: In the first year, spend Rs. 50,000 and above to get renewal membership fee waived off
- Get 2 Reward Points on every Rs. 150 spent
- Get 2X Reward Points i.e. 4 Reward Points on every Rs. 150 spent online (With effect from 15th July 2020, cardholders can earn up to 500 Reward Points per statement cycle for online spends, under the 2X RP feature)
- Every quarter, get a gift voucher worth Rs. 500 on spends of Rs. 50,000. Earn up to Rs. 2,000 worth gift vouchers in a year
- Zero Lost card liability
- Up to 50 days of interest free period from the date of purchase
- Enjoy Revolving Credit at nominal interest rate
- Enjoy amazing dining benefits with Good Food Trail program. Get up to 20 % savings off on all restaurant bill payments via Swiggy Dineout (20k + restaurants). This offer is inclusive of Restaurant and Swiggy Discount. This offer is valid only on payments done via Swiggy App
- 1% Fuel Surcharge waiver on fuel transactions on minimum transaction of Rs. 400 and maximum transaction of Rs. 5,000
- Avail facility of converting big spends into EMI after purchase
- HDFC Bank MoneyBack Credit Card is enabled for contactless payments
- Reward Points can be used for redemption against travel benefits such as Flight and Hotel bookings, and the card members can redeem up to a maximum of 50% of the booking value through Reward Points and Rewards Catalogue at the SmartBuy Rewards Portal
Editor's Review
Pros
- 1% Fuel Surcharge Waiver
- 4 reward points per Rs. 150 on all Retail spends
- Avail loan up to Rs. 5,00,000 on the credit card with flexible tenure from 12 to 60 months
Cons
- No golf benefits
- No international airport lounge access / dining/ movie benefits
Pros
- Zero liability on the lost card if reported immediately
- With the EMV Chip technology presented in the card, stay protected against fraud
- Avail up to 50 days of the interest-free period from the date of purchase, and enjoy Revolving Credit at a nominal interest rate
Cons
- The Reward points are only valid for 2 years
- No complimentary Airport Lounge Access
- High-interest rate of 3.49%
