Standard Chartered DigiSmart Credit Card VS Standard Chartered EaseMyTrip Credit Card VS Standard Chartered Emirates World Credit Card VS Standard Chartered Manhattan Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Standard Chartered DigiSmart Credit Card
Standard Chartered EaseMyTrip Credit Card
Standard Chartered Emirates World Credit Card
Standard Chartered Manhattan Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Low monthly fee, easily waivable with moderate spending.
Offers significant discounts and cashback on popular online platforms.
Direct discounts simplify value realization compared to reward points.
Benefits span diverse categories like groceries, food, fashion, entertainment, and travel.
Instant approval and online KYC available for quick card issuance.
Pros
Key benefits and features.
High instant discounts on domestic and international hotel and flight bookings via EaseMyTrip.
Excellent accelerated reward rate of 10x on standalone hotel and airline spends.
Complimentary domestic airport lounge access (2 per year).
The annual fee is easily waivable with a reasonable spend of ₹50,000 in the previous year.
Decent base reward rate of 2x on all other retail purchases.
Pros
Key benefits and features.
Earn accelerated Skywards miles, especially on Emirates.com, maximizing travel rewards.
Enjoy complimentary domestic and international lounge access for comfortable journeys.
Access valuable golf benefits, including free lessons, discounts, and complimentary green fees.
Benefit from extensive travel insurance, including Rs. 1 Cr air accident coverage.
Get 5% cashback on duty-free shopping, saving up to Rs. 1,000 monthly on purchases.
Pros
Key benefits and features.
Nominal joining and renewal fees make it an affordable credit card option.
Significant 5% cashback on daily essential spends like groceries and supermarkets.
Earns 3 Reward Points for every Rs. 150 spent on other purchases.
Generous welcome benefit of 5,000 Reward Points upon joining the card.
Renewal fee waiver available on annual spend of Rs. 1,20,000 or more.
Cons
Key drawbacks and limitations.
Lacks a traditional reward points program for flexible redemption.
Discounts are capped, limiting maximum savings for high spenders.
High forex markup of 3.5% + taxes makes it less ideal for international spends.
Absence of fuel surcharge waiver increases costs on fuel transactions.
Monthly fee waiver requires consistent spending in the previous month.
Cons
Key drawbacks and limitations.
International lounge access has been discontinued from October 15, 2024.
The card does not offer any waiver on fuel surcharge transactions.
A rewards redemption fee of ₹99 is applicable.
A foreign currency markup of 3.5% applies to international transactions.
Cons
Key drawbacks and limitations.
The annual fee of Rs. 3,000 + GST lacks a spend-based waiver, increasing yearly cost.
A significant 3.5% foreign currency markup applies, making international spends costly.
A rewards redemption fee of Rs. 99 + taxes is charged per redemption request.
Less ideal for non-frequent travelers or those not preferring Emirates, limiting its value.
Cons
Key drawbacks and limitations.
Lacks specific benefits for movies and dining, despite year-round offers.
No specific travel benefits, lounge access, or insurance covers are provided.
High foreign currency markup of 3.5% on all international transactions.
A 1% fuel surcharge is applicable on all fuel transactions.
A redemption fee of Rs. 99 is charged per reward redemption request.