Standard Chartered Smart Credit Card vs HSBC Live+ Credit Card

• 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

• Get 10% accelerated cashback, up to Rs. 1,000 a month, on dining and food delivery
• Get 1.5% unlimited cashback at other retailers
• Avail 1.5% unlimited cashback on entertainment spending
• Power up on spendings with 1.5% unlimited cashback in selected categories at home and when travelling abroad
• Avail up to 15% off with Live+ Dining Programme and 10% cashback on dining and food delivery spends in India and around Asia
• Avail 10% cashback on groceries and 1.5% unlimited cashback on other retail purchases online and offline
• 4 complimentary domestic airport lounge visits per year
• Enjoy exclusive dining programme and curated offers on the Visa Digital Concierge app

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

• Get 10% accelerated cashback on dining and food delivery
• Avail up to 15% off with Live+ Dining Programme and 10% cashback on dining and food delivery spends in India and around Asia
• Avail 1.5% unlimited cashback on entertainment spending

Cons

• No fuel benefits
• No rewards benefits
• No international lounge access