Which credit card is better Citibank or Standar...

Which credit card is better Citibank or Standard Chartered bank?

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Hai friends…Can you please suggest me which credit card to opt for out of your own experience.

I need a CC to get some cashback or rewards.

how many of you get offers like Lifetime free credit cards on below mentioned credit cards?

I’m mainly looking on for Standard Chartered Manhattan Credit Card or Citi bank Rewards credit card.

How can i get that lifetime free annual charges on such credit cards ?

Please take your time out to suggest me over this.

Thank you for your valuable time ☺️

26 Comments  |  
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RP rates, fees, features u can compare and take a view based on ur priorities and profile!!

Citi Rewards
RP rate 0.28% (assuming 1rp=35p, 1 rp per 125 txn); 2x rp rate at dept stores, etc..

Fee-Assume free if waived if 30k spent in anniversary yr (else 1k)

Other imp factors-RP redemption as cash credit allowed; RPs never expire; FK/Amazon offer do come, though less theses days; big basket 20% cb upto 500 is popular offer;

SCB manhattan
RP rate looks complex, but estimated ~0.52% (assuming 1rp=26paise, 3x RP per 150 on all spends except supermkt/dept stores, which have 5% cb)

5% cb at dept stores (e.g. snapdeal), supermarkets (big bazaar, reliance fresh). BUT Min txn of 1000 reqd-and caps per txn and per month there!!

scb rp/cp rate is subject to multiple conditions/caps: https://av.sc.com/in/content/docs/in-manhattan-...

Fee-999, waiver only at 1.2L spends (against 60k earlier) now i think
https://apply.standardchartered.co.in/credit-ca...

Other imp factors-Redemption thru amazon gv etc (no cash credit); RPs lapse after certain period; Joining offer 2k bms gv etc; Offers reasonable and do come e.g. uber 20% cb offer (600/month cap, min spend 15k /month), 200 cb on 1500 on grofers, croma 5% cb, etc; festival spends based cb offer say 5% an imp sweetner, though with no guarantees:)

Conclusion: One can have both. Else, SCB Manhattan looks better of the two on overall basis, and is arguably the best bet within scb card portfolio for middle class person with grocery as focus area. SBI Simplyclick may be a better alternative or compliment with 1.25% cb rate flat unlimited for online, one day amazon gv redemption, periodic offers, etc:)

Disclaimer: Just broad points-and just based on my understanding. i do not even personally have scb manhattan smile

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Citi credit card too good ..annual spend only 30k for waiver of annual fees

Standard chartered I have platinum credit card which is good at times..it is lifetime free card

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rajeshcaicwacs259 wrote:

Citi credit card too good ..annual spend only 30k for waiver of annual fees

Standard chartered I have platinum credit card which is good at times..it is lifetime free card

Comparing the both in all aspects? Whch 1 will be good bro?

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rajeshcaicwacs259 wrote:

Citi credit card too good ..annual spend only 30k for waiver of annual fees

Standard chartered I have platinum credit card which is good at times..it is lifetime free card

What is the Reward Point rate of SCB platinum? How does it compare with Citi Rewards card RP rate?

And yes, it was LTF indeed earlier, but whether its still LTF irrespective of spend level…may be not, so one should confirm:) confused

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anuajayan wrote:

Comparing the both in all aspects? Whch 1 will be good bro?

Citi is very good.. but standard chartered sometimes gives cashback on insurance payments , birthdays etc

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anuajayan wrote:

Comparing the both in all aspects? Whch 1 will be good bro?

i got this message from SCB yesterday

Enjoy Unlimited 2.5% cashback on all spends between 1 – 31 Aug 2018 using your StanChart credit card. No capping on cashback. To register for the offer, SMS UNLIMITED to +91-9987123123. For tnc, visit https://on.sc.com/2...5i

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rpal wrote:

What is the Reward Point rate of SCB platinum? How does it compare with Citi Rewards card RP rate?

And yes, it was LTF indeed earlier, but whether its still LTF irrespective of spend level…may be not, so one should confirm:) confused

All credit cards have their own way of giving rewards..difficult to compare …SCB is good for insurance payments ..

Citi at times good for offers like indian oil , big basket , Amazon etc

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rpal wrote:

What is the Reward Point rate of SCB platinum? How does it compare with Citi Rewards card RP rate?

And yes, it was LTF indeed earlier, but whether its still LTF irrespective of spend level…may be not, so one should confirm:) confused

Another instance I got below message yesterday

Enjoy Unlimited 2.5% cashback on all spends between 1 – 31 Aug 2018 using your StanChart credit card. No capping on cashback. To register for the offer, SMS UNLIMITED to +91-9987123123. For tnc, visit https://on.sc.com/2...5i

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rajeshcaicwacs259 wrote:

Another instance I got below message yesterday

Enjoy Unlimited 2.5% cashback on all spends between 1 – 31 Aug 2018 using your StanChart credit card. No capping on cashback. To register for the offer, SMS UNLIMITED to +91-9987123123. For tnc, visit https://on.sc.com/2...5i

Whch credit card are u using from SCB?

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rajeshcaicwacs259 wrote:

Another instance I got below message yesterday

Enjoy Unlimited 2.5% cashback on all spends between 1 – 31 Aug 2018 using your StanChart credit card. No capping on cashback. To register for the offer, SMS UNLIMITED to +91-9987123123. For tnc, visit https://on.sc.com/2...5i

User specific maybe, which card are you using?

Edit: Got it. Platinum rewards card. I am also using the same but didn’t receive any promotion offer yet

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anuajayan wrote:

Whch credit card are u using from SCB?

Platinum..it was life time free when I applied in bangalore

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dev007 wrote:

User specific maybe, which card are you using?

Edit: Got it. Platinum rewards card. I am also using the same but didn’t receive any promotion offer yet

User specific…you may get different offer

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rajeshcaicwacs259 wrote:

Platinum..it was life time free when I applied in bangalore

I think now it’s not lifetime free.

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rajeshcaicwacs259 wrote:

Platinum..it was life time free when I applied in bangalore

Bro do u have any other credit card apart from SCB?

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anuajayan wrote:

Bro do u have any other credit card apart from SCB?

I have many other banks..contact in pm

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rajeshcaicwacs259 wrote:

Another instance I got below message yesterday

Enjoy Unlimited 2.5% cashback on all spends between 1 – 31 Aug 2018 using your StanChart credit card. No capping on cashback. To register for the offer, SMS UNLIMITED to +91-9987123123. For tnc, visit https://on.sc.com/2...5i

Good RP rate…although on a diff note, Yes First LTF card gives similar RP rate throughout life:)

Your offer looks user specific. But u can try to mk good use of it may be:)

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According to service i thnk bttr go for citi compared to scb!

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rajeshcaicwacs259 wrote:

All credit cards have their own way of giving rewards..difficult to compare …SCB is good for insurance payments ..

Citi at times good for offers like indian oil , big basket , Amazon etc

Hmm.
RP rates can be compared. But yes, cashback offers each bank has separate.. so difficult to compare:)

https://www.desidime.com/forums/dost-and-dimes/...

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anuajayan wrote:

Bro whch card u r using?

Mostly using hdfc dcb, yes first, scb ultimate, etc
Have citi rewards as well though:)

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rpal wrote:

Mostly using hdfc dcb, yes first, scb ultimate, etc
Have citi rewards as well though:)

According to you scb or citi whch is bttr in all aspects?

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anuajayan wrote:

According to you scb or citi whch is bttr in all aspects?

I guess I already kind of answered this question here:)

Conclusion: One can have both. Else, SCB Manhattan looks better of the two on overall basis, and is arguably the best bet within scb card portfolio, espe for middle class person with grocery / dept stores as focus area. SBI Simplyclick may be a better alternative or compliment with 1.25% cb rate flat unlimited for online, one day amazon gv redemption, periodic offers, etc:)”

https://www.desidime.com/forums/dost-and-dimes/...

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Whether anyone know are dez banks providing credit cards on Card to Card basis?

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anuajayan wrote:

Whether anyone know are dez banks providing credit cards on Card to Card basis?

Anyone?

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Citi card

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