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Standard Chartered DigiSmart Credit Card vs HSBC TravelOne Credit Card

Joining Fees

₹49

₹4,999

Editor's Rating

3

4.2

Key Features

  • Get 20% off at Myntra, 20% discount at Yatra on domestic flights, & 10% discount on your Zomato food orders
  • Buy One Get One (BOGO) movie ticket free at INOX
  • Get 15% cashback on Ola cabs
  • Convert big spends above Rs. 5000 to easy EMI at attractive pricing and flexible tenure options
  • As a Welcome Benefit, on spending Rs. 10,000 within the first 30 days, get Cashback worth Rs. 1,000, Postcard Hotels voucher worth Rs. 3,000, and 3 months EazyDiner Prime membership. Get additional 3,000 bonus reward points when you spend Rs. 100,000 in the first 90 days
  • Annual fee will either be Rs. 4,999, or free if you spend more than Rs. 800,000 a year
  • Get complimentary airport lounge visits, holiday, car hire and lifestyle discounts, and more
  • Avail 4 reward points for every Rs. 100 spent on flights, travel aggregators and in foreign currency
  • Avail 2 reward points for every Rs. 100 spent on anything else, with no cap
  • Avail 10,000 bonus reward points when spending more than Rs. 1,200,000 a year
  • Get even more reward points with additional cards
  • Instantly convert Reward points to Air Miles 1 to 1 in the app
  • Save 15% on domestic and international holiday Bookings at Yatra, EaseMyTrip, PayTM Travel, and ClearTrip
  • Save up to 20% at selected duty free stores in India
  • Save when booking getaway at StayVista
  • Enjoy Mastercard World Platform benefits, such as complimentary golf, holiday discounts and more
  • Get up to USD 20,000 purchase protection every year
  • Get 6 domestic and 4 international airport lounge visits every year
  • Enjoy discounts on movies, events and dining with the Zomato app
  • 15% off on Yatra
  • 15% off on EaseMyTrip
  • 15% off on Paytm Flights
  • 15 % off on Cleartrip
  • 11% off at StayVista: Stay for less when making a hotel booking through the StayVista website (max 2 bookings per card per year; max saving per booking INR3,000)
  • Up to 50% off with the District app by Zomato: Up to 10% off events and dining. Plus, buy 1 movie ticket and get 1 free  twice a month
  • Up to 20% off duty-free with AdaniOne: Save 20%, up to Rs. 3,000, on their app or website when spending Rs. 8,000 or more, once per card per year
  • Access to the top golf courses in India: Get 4 complimentary rounds of golf and 12 complimentary lessons per calendar year (max 1 per calendar month). Plus, get 50% off your green fees for additional rounds

Editor's Review

Pros

  • Get a loan on your credit card up to Rs. 5,00,000. Flexible tenure from 12 to 60 months
  • 10% discount on international flights with a maximum discount of Rs. 10,000. 25% discount on domestic hotels with a maximum discount of Rs. 4,000
  • Transfer card balance up to Rs. 5 Lakh at an attractive interest rate

Cons

  • No Complimentary Airport Lounge access
  • No Fuel Surcharge Wavier
  • No Golf/coaching sessions

Pros

  • Enjoy Mastercard World Platform benefits, such as complimentary golf, holiday discounts and more
  • Up to 15% discount across some of the most popular travel platforms
  • Complimentary golf rounds and green fee offers

Cons

  • No Fuel benefits
  • Welcome benefits come with spend-based conditions
  • Redemption of the accrued reward points is limited to just travel partner points or miles


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