Standard Chartered Smart Credit Card vs SBM Magnet 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

• FD backed credit card helping to build credit score while earning unlimited magnet coins as rewards
• Enjoy a lifetime-free credit card with no renewal fees
• No documents or income verification required. Just a simple application and guaranteed approval
• Welcome Benefit: Receive 5,000 ZET Coins valued at Rs. 500. These coins can be used to purchase vouchers for popular brands like Amazon, Flipkart, and Swiggy
• Save smart with up to 7% interest on your FD - all insured by RBI
• Get 5% Cashback/Rewards on Top Brands like Amazon, Flipkart, Myntra, Domino and more credited as real Cashback that can be directly transferred to your bank account
• 8% Rewards on Flipkart
• 20% Rewards on Myntra
• Up to 15% Rewards on All Major Platforms
• Enjoy up to 20% savings on Swiggy, Zomato, MakeMyTrip, BookMyShow, and many more
• 3 Fast-track your approval process
• RuPay Credit Card- Instantly link to UPI apps
• Enjoy up to 45 days of interest-free credit - pay later with zero interest
• 1% Fuel Surcharge Waiver

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

• FD backed credit card helping to build credit score while earning unlimited magnet coins as rewards
• Enjoy a lifetime-free credit card with no renewal fees
• Get 5% Cashback/Rewards on Top Brands like Amazon, Flipkart, Myntra, Domino and more credited as real Cashback that can be directly transferred to your bank account

Cons

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