Standard Chartered Smart Credit Card vs Axis Bank Signature Credit Card with Lifestyle Benefits

• 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

• Based on your spending patterns and payment behaviours over a period of time, the unique flexible spending limit will allow you to spend over and above the assigned credit card limit at no additional charge
• From second year onwards, Annual Fee Rs. 3000 will be waived on the achievement of spends threshold of Rs. 3 Lakhs in the preceding year 
• On any transactions above Rs. 2500, contact the bank to convert it into EMIs
• Air Accident Cover up to Rs. 2,50,00,000
• Purchase Protection up to Rs. 1,00,000
• Loss Travel Document cover/Delay  of check-in baggage cover up to 300 USD
• Complimentary access to airport lounges in India 
• With Priority Pass access over 700 VIP lounges in over 90 countries and  275 cities. Only the membership to the Priority Pass Program is complimentary
• 50% Cashback on movie tickets purchased through BookMyShow. Maximum Cashback in a calendar year is limited to Rs. 2000
• Discover unique  delectable cuisines with Axis  Bank Dining Delights that  offers  15% off at partnered restaurants in India 
• Fuel surcharge refund valid on transactions between Rs.  400 and Rs. 4000 only. Maximum benefits up to Rs. 400 per month
• Earn EDGE REWARD points for transactions and use them to redeem from 500+ rewards and offers
• Earn 10 points on Domestic spends for every Rs. 200
• Earn 20  points on International spends for every Rs. 200
• 100  points on  the first online transaction 

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

• Avail Gift Vouchers from top brands
• Earn 10/20 points for every Rs. 200 spent on Domestic/International spends
• Obtain Air Accident Insurance Cover 

Cons       

• The joining fee is Rs. 5000, which's higher than Axis Bank Privilege Credit Card