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Standard Chartered Smart Credit Card vs IDFC First Earn Credit Card

Joining Fees

₹499

₹499

Editor's Rating

3.67

Key Features

  • 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 1% Cashback on every spend via the IDFC FIRST Bank mobile app
  • Get 0.5% Cashback on UPI spends via other apps and all online spends. 0.5% cashback on all utility, insurance, and wallet load
  • Welcome Bonus: 100% cashback, up to Rs. 500, on the 1st UPI spend made within 15 days of card generation and 5% cashback, up to Rs. 1,000, on the 1st EMI transaction value made within 30 days of card set-up
  • Annual Benefit: Get 100% cashback, up to Rs. 200 (max. Rs. 50 each), on the 1st 4 UPI spends made via IDFC FIRST Bank mobile app within 15 days of annual fee being charged
  • Convert UPI spends worth a min. of Rs. 2,500 into easy EMIs
  • 25% discount up to Rs. 100 on movie tickets booked on District by Zomato
  • 20% discount across 1,500+ resturants
  • Complimentary roadside assistance worth Rs. 1,399
  • Convenience of UPI + Power of Credit at 60+ million merchants
  • Card Liability Cover of Rs. 25,000, Personal Accident Cover of Rs. 2,00,000, Credit Shield of Rs. 50,000, and Purchase Protection of Rs. 25,000
  • Surcharge of 1% on payment for Rent and Property Management, subject to a minimum of Rs. 249 (+GST) per transaction
  • Forex Markup at 3.5% for all international transactions
  • Utility spends (Electricity, Gas, Telecom etc.) above Rs. 20,000 will attract 1% surcharge (+GST) on the aggregate utility spends in a statement cycle
  • Earn Bonus Reward Points on booking flights and hotels via 'Travel and Shop' section on IDFC FIRST Bank Mobile App:

A. Bonus 4% cashback on all Flight bookings - Over and above your Credit Card Cashback
B. Bonus 8% cashback on all Hotel bookings - Over and above your Credit Card Cashback
C. Redeem your Reward Points - For flight and hotel bookings

Editor's Review

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

  • Bonus 4% cashback on all Flight bookings, Bonus 8% cashback on all Hotel bookings, and Redeem the Reward Points For flight and hotel bookings
  • Since the card is on the RuPay network, it can be easily linked to UPI
  • Get 0.5% Cashback on UPI spends via other apps and all online spends. 0.5% cashback on all utility, insurance, and wallet load

Cons

  • No fuel benefits
  • No golf benefits
  • No complimentary domestic or international airport lounge access


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