Standard Chartered Super Value Titanium Credit Card vs HDFC Bank Freedom Credit Card

• Get 5% cashback on fuel, phone and utility bills and 1 reward point on all other expenses
• Enjoy host of discounts and offers across dining, shopping, travel and many more with the Standard Chartered Good Life programme, on the credit card
• Transfer card balance up to Rs. 5 Lakh at an attractive interest rate
• Convert your big credit card transactions (starting from Rs. 5,000) to easy EMI with 'Kuch Bhi' facility at attractive pricing and flexible tenure options

• Get 10X CashPoints on your favourite merchants such as Big Basket, BookMyshow, OYO, Swiggy, and Uber. Do note a maximum of 2,500 CashPoints can be earned in a calendar month 
• Get 5X CashPoints on EMI spends at merchant locations. Do note a maximum of 2,500 CashPoints can be earned in a calendar month 
• Earn 1 CashPoint for every Rs. 150  on other spends  
• Get up to 20% discount on partnered restaurants via Swiggy Dineout
•  Rupay Credit Cardholders can earn 1 RP for every Rs. 150 spent on UPI transactions. The reward points are capped at 500 per calendar month
• Zero lost Card liability 
• Avail up to 50 days of interest-free period
• Enjoy Revolving Credit at a nominal interest rate
• Enjoy amazing dining benefits with the Good Food Trail program
• Get up to 20% savings on all restaurant bill payments via Swiggy Dineout, which consists of 20k + restaurants, and the offer is inclusive of Restaurant and Swiggy Discount. This offer is valid only on payments done via the Swiggy App
• 1% Fuel Surcharge waiver on fuel transactions. This is applicable for minimum transaction of Rs. 400 and maximum transaction of Rs. 5,000
• Get 500 CashPoints- this is applicable only on payment of membership fee
• Get the renewal membership fee waived by spending Rs. 50,000 and above in an annual year
• Convert your big spends into EMI after purchase
• The Credit Card is enabled for contactless payments
• Spend Rs. 50,000 or more in a year, before the Credit Card renewal date to get renewal fee waived off 

Pros

• All transaction of Rs. 2,000 or below is eligible for cashback 5% cashback on telephone bills
• Complimentary Priority Pass allowing access to 1000+ airport lounges worldwide with one Free usage per month

Cons

• Below average rewards rate for all other spending, no perks or promotions that stand out
• No Golf Privileges
• Airport Lounge access only for Premium Banking Customers

Pros

• Get 10X CashPoints on your favourite merchants such as Big Basket, BookMyshow, OYO, Swiggy, and Uber
• Get 5X CashPoints on EMI spends at merchant locations, and 1 CashPoint for every Rs. 150  on other spends  
•  Rupay Credit Cardholders can earn 1 RP for every Rs. 150 spent on UPI transactions

Cons

• No golf benefits are provided
• No international and domestic airport lounge access
• No rewards