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IndusInd Bank Platinum Aura Edge Credit Card VS Standard Chartered Super Value Titanium Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.

Features

IndusInd Bank Platinum Aura Edge Credit Card
IndusInd Bank Platinum Aura Edge Credit Card
Standard Chartered Super Value Titanium Credit Card
Standard Chartered Super Value Titanium Credit Card

Fees & Charges

Joining Fee
Nil
₹750 + GST
Renewal Fee
Nil
₹750 + GST
Spend Based Waiver
Not Applicable
Annual fee waived on spending ₹90,000 or more in the previous year.
Foreign Transaction Fees
3.5% on all foreign currency transactions.
3.5% of the transaction amount for all overseas transactions.
Interest Rate (APR)
3.95% per month (47.40% per annum).
3.49% per month (41.88% per annum).

Rewards & Benefits

Welcome Bonus
Discount vouchers from various brands including Amazon, Flipkart, Big Bazaar, Zee5, Apollo Pharmacy.
100% cashback up to ₹1,500 on fuel transactions within the first 90 days of card issuance.
Rewards Rate
Earn up to 8X reward points on select categories. 1 savings point = Re 0.50 or 0.5 airline mile.
Earn 5% cashback on fuel, telephone & utility bills; 1 reward point per ₹150 on other spends.
Reward Type
Reward Points
Reward Points & Cashback
Reward Redemption Fee
Rs. 100 on every redemption.
₹99 per redemption request.

Travel & Lifestyle

Domestic Lounge Access
Not Applicable
International Lounge Access
Not Applicable
1 complimentary international lounge access per month via Priority Pass for Premium Banking clients.
Travel Benefits
Earn up to 4 savings points on hotel spends, 2.5 on airline tickets. Includes comprehensive travel insurance.
Complimentary Priority Pass for Premium Banking Customers, offering access to 1,000+ international lounges.
Movie Benefits
Not Applicable
Exclusive discounts and offers on movies via the Standard Chartered Good Life programme.
Dining Benefits
Not Applicable
Exclusive discounts and offers on dining via the Standard Chartered Good Life programme.
Golf Benefits
Not Applicable
Fuel Surcharge Waiver
1% fuel surcharge waiver on all fuel transactions between Rs. 400 and Rs. 4,000.
1% fuel surcharge waiver discontinued from Aug 25, 2024. 5% cashback on fuel (max ₹200/month) applies.

Security & Other

Insurance Benefits
Travel, Total Protect against fraud, Air Accident Cover up to ₹25 lakhs, Zero Liability Protection.
Cash Advance Charges
2.5% of the withdrawn amount, subject to a minimum of Rs. 300.
3% of transacted amount, minimum ₹300.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

IndusInd Bank Platinum Aura Edge Credit Card

Standard Chartered Super Value Titanium Credit Card

Who is it for?

The IndusInd Bank Platinum Aura Edge Credit Card is a versatile, lifetime-free card offering flexible reward plans (Shop, Home, Travel, Party) to maximize savings on everyday expenses. Cardholders can earn up to 8X reward points on select categories and benefit from robust insurance coverage, including travel insurance and 'Total Protect' against fraud. With zero joining and annual fees, it's ideal for those seeking tailored rewards and strong security features without ongoing costs.

Who is it for?

The Standard Chartered Super Value Titanium Credit Card is ideal for individuals with high spending on fuel, telephone, and utility bills, offering a generous 5% cashback in these categories. It provides a welcome benefit of 100% cashback up to ₹1,500 on initial fuel purchases. Premium Banking Customers enjoy a lifetime free card with complimentary international lounge access. While it offers substantial savings on recurring expenses, note the upcoming discontinuation of the fuel surcharge waiver. This card is best suited for maximizing savings on daily essentials and for Standard Chartered's premium clientele.

Pros

Key benefits and features.

This is a lifetime-free credit card with absolutely no joining or annual charges.

Offers flexible reward plans allowing up to 8X points based on your spending habits.

Provides robust insurance benefits including travel, Total Protect, and air accident cover.

The contactless feature on the card offers fast, secure, and convenient payment options.

Enjoy a valuable 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 4,000.

Pros

Key benefits and features.

Enjoy a high 5% cashback on essential spends like fuel, telephone, and utility bills.

Receive 100% cashback up to ₹1,500 on fuel transactions within the first 90 days.

Premium Banking Customers get a lifetime free card with complimentary international lounge access.

Benefit from a lifetime free supplementary credit card for your family members.

Cons

Key drawbacks and limitations.

The IndusInd Bank Platinum Aura Edge Credit Card lacks complimentary airport lounge access.

Reward points do not accrue on fuel transactions, which limits overall savings potential.

A fixed rewards redemption fee of Rs. 100 is charged on every redemption transaction.

It has a high foreign currency markup of 3.5% on all international transactions.

High interest rates apply at 3.95% per month, equating to 47.40% per annum.

Cons

Key drawbacks and limitations.

The 1% fuel surcharge waiver will be discontinued from August 25, 2024.

Total monthly cashback across key categories is capped at a relatively low ₹500.

A redemption fee of ₹99 is charged for every reward point redemption request.

High foreign currency markup of 3.5% makes international spends expensive.

This credit card does not offer any complimentary domestic airport lounge access.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.