Standard Chartered Super Value Titanium Credit Card vs Stable Money Suryoday Bank 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

Cashback Benefits

• Earning: 0.5% cashback on all card spends, including UPI transactions
• Capping: Cashback capped at Rs. 3,000 for every statement cycle

Airport Lounge Access

• 8 complimentary domestic airport lounge visits per year, capped at 2 visits per quarter

RuPay Benefits

• RuPay Select Offer: RuPay Select card variant issued if FD amount is above Rs. 1.15 lakh (otherwise RuPay Platinum is issued)
• RuPay Select Wellness Program: Gym membership, health check-up, spa and salon services, and golf sessions are offered once a year under this program

Insurance Coverage

• Sum insured of up to Rs. 2 lakh: For RuPay Platinum cardholders
• Sum insured of up to Rs. 10 lakh: For Rupay Select cardholders

Fuel Benefit

• Fuel surcharge waiver on fuel transactions of up to Rs. 8,000, capped at Rs. 40,000 monthly fuel spends
• Enjoy exclusive discounts on the RuPay network

RuPay Select Wellness Program (Applicable to RuPay Select Cardholders only)

• RuPay Select Cardholders can avail additional benefits of Gym Membership, Health Check-ups, Spa and Salon Services, and Golf
• RuPay Select Benefits are eligible to be redeemed only once in a year

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

• Hassle-free cashback on all spends, including UPI transactions
• Lifetime free card with up to 8% interest on FD
• Up to 8 free domestic airport lounge visits every year
• Additional lifestyle benefits for RuPay Select cardholders

Cons

• Low value-back rate through cashback earnings
• High FD amount requirement for RuPay Select card variant benefits
• FD must remain until card closure