[Pre-approved] Suggest me the better Standard Chartered credit card from the two

[xfactcc]

Namaskar,

Today I woke up to calls from StanChart that I have pre-approved card offers, so I went to login to the mobile app to check I have two card offers:

1. Smart Credit Card (Joining fee nil, annual fee 499+tax)
2. Easemytrip Credit Card (joining and annual fee: 350)

This is the first time I am receiving pre-approved card offers from them since account opening.

Please give me your valuable opinion based on your personal experience which of the two should I go for, or should I wait.

Also, I am hoping no CIBIL hard enquiry will happen as this is pre-approved, since I have two this month.

Thank you so much!

 

[TheTrickySid]

Namaskar,

Today I woke up to calls from StanChart that I have pre-approved card offers, so I went to login to the mobile app to check I have two card offers:

1. Smart Credit Card (Joining fee nil, annual fee 499+tax)
2. Easemytrip Credit Card (joining and annual fee: 350)

This is the first time I am receiving pre-approved card offers from them since account opening.

Please give me your valuable opinion based on your personal experience which of the two should I go for, or should I wait.

Also, I am hoping no CIBIL hard enquiry will happen as this is pre-approved, since I have two this month.

Thank you so much!

Smart will be the good choice.

BTW how old is the account and what's the MAB maintained

 

[xfactcc]

Smart will be the good choice.

BTW how old is the account and what's the MAB maintained

Thank you.

Account is less than a year old and MAB maintained is bare minimum.

 

[Indian]

Go for smart and you can easily complete 120k in a year to wavier renewal fees

 

[rogerthat]

Namaskar,

Today I woke up to calls from StanChart that I have pre-approved card offers, so I went to login to the mobile app to check I have two card offers:

1. Smart Credit Card (Joining fee nil, annual fee 499+tax)
2. Easemytrip Credit Card (joining and annual fee: 350)

This is the first time I am receiving pre-approved card offers from them since account opening.

Please give me your valuable opinion based on your personal experience which of the two should I go for, or should I wait.

Also, I am hoping no CIBIL hard enquiry will happen as this is pre-approved, since I have two this month.

Thank you so much!

Go for SC Smart card. It is a relatively unappreciated gem of a card that gives flat 2% cashback on everything spent online (yes, no exceptions) up to spends of Rs.50000 per month. Looks very sleek too.

 

[rockyBalboa]

Thank you.

Account is less than a year old and MAB maintained is bare minimum.

Which account variant you have?

 

[PavvanPavvan is verified member.]

Go for both with 350 fees you get complimentary domestic and international lounge access🙁

 

[rogerthat]

Go for both with 350 fees you get complimentary domestic and international lounge access🙁

And for add-on card holder too. If you don't have LTF/(FYF) HDFC Regalia Gold, SC EMT this is the cheapest card offering international lounge access for both primary and add-on card holders. 2 each per quarter.

 

[avikrish]

Go for SC Smart card. It is a relatively unappreciated gem of a card that gives flat 2% cashback on everything spent online (yes, no exceptions) up to spends of Rs.50000 per month. Looks very sleek too.

When you mentioned per month, it is billing cycle or calendar month? How the max cap for cashback is calculated?

 

[unusedbrain1]

Thank you.

Account is less than a year old and MAB maintained is bare minimum.

How would one define bare minimum.. without context

 

[deepcards]

Easemy rip card is specific to Easemytrip, but it offers good discount. However, EMT generally has another offer which is applicable for all SC cards, so smart card makes more sense.

 

[xfactcc]

Slight devaluation alert wef 21 Aug 2024: