Which credit card is better Citibank or Standard Chartered bank?

@xxScriptzXx @rpal

Better you ask in this thread https://www.desidime.com/forums/dost-and-dimes/... in which discussion about various credit cards is already on going.

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

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

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

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

Citi card