Standard Chartered Smart Credit Card vs American Express Membership Rewards Credit Card
Joining Fees
₹499
₹1,000
Editor's Rating
3.67
4.1
Key Features
- Avail an extended interest free credit period for the first 90 days post credit card issuance by paying only the minimum amount due
- Avail 2% cashback on online spends, up to a maximum of Rs 1000 per month
- Special Interest rate for EMI plans with Nil processing fee: Convert the transactions into EMIs at special interest rate of 0.99% per month at 0 processing fees
- Avail 1% cashback on other spends, up to a maximum of Rs 500 per month
- Get supplementary credit card with the same benefits
- Contactless Credit Card
- 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 Membership Renewal Fee Waived if total spends on American Express Credit Card is Rs.1,50,000 and above; else 50% annual membership renewal fee will be waived off if total spends is Rs.90,000 to Rs.1,49,999
- Earn 1,000 Bonus Membership Rewards Points for simply using your Card 4 times on transactions of Rs. 1,000 and above every month
- Earn 5,000 Membership Rewards Points upon First Year Card Renewal, on payment of Annual Membership Fee. Points to be credited within 90 days of Card renewal
- Redeem Points from the fabulous 18 and 24 Karat Gold Collection
- Exciting Discounts of up to 20% every time you dine at select restaurants
Editor's Review
Pros
- Avail 2% cashback on online spends, up to a maximum of Rs 1000 per month, and avail 1% cashback on other spends, up to a maximum of Rs 500 per month
- Convert the transactions into EMIs at special interest rate of 0.99% per month at 0 processing fees
- 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 fuel benefits
- No complimentary airport lounge access
Pros
- Use your American Express Credit Card for your next big purchase & pay in EMI
- Fuel Convenience Fee Waiver
- One of the highest point to INR conversion rates in the market
Cons
- No Golf/coaching sessions
- No complimentary Airport Lounge access
- High Renewal Fee
