Standard Chartered Platinum Rewards vs BOB Etihad Guest

Compare Standard Chartered Platinum Rewards vs BOB Etihad Guest across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

Standard Chartered Platinum Rewards has the strongest mix of rewards and low fees in this comparison.

Card 1

Standard Chartered Platinum Rewards

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.4.2

Card 2

BOB Etihad Guest

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.6.0
Standard Chartered Platinum Rewards - STANCHART credit card
Balanced value4.2

stanchart / VISA

Standard Chartered Platinum Rewards

Annual

₹999

Return

3%

Lounges

2

Forex

2.5%

Card summary
  • Standard Chartered Platinum Rewards leans reward-led with ₹999 annual fee, 3% headline return potential, and 2 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹999 annual fee.
  • 3% reward rate can outperform flat cashback for loyal users.
  • 2 lounge access adds travel utility.
Cons
  • 2.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel benefits are limited compared with premium cards.
Best for

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
BOB Etihad Guest - BOB credit card
Balanced value6.0

bob / VISA

BOB Etihad Guest

Annual

₹2,999

Return

3%

Lounges

6

Forex

0%

Card summary
  • BOB Etihad Guest leans travel and lifestyle with ₹2,999 annual fee, 3% headline return potential, and 6 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹2,999 annual fee.
  • 3% reward rate can outperform flat cashback for loyal users.
  • 6 lounge access adds travel utility.
Cons
  • Low forex markup matters mainly if you travel internationally.
  • Eligibility still depends on bank policy and credit history.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
Metric
Standard Chartered Platinum Rewards
BOB Etihad Guest
Fees
Annual fee
₹999
₹2,999
Joining fee
₹999
₹2,999
Rewards
Cashback rate
0.75%
1%
Reward rate
3%
3%
Travel
Forex markup
2.5%
0%
Domestic lounges
2
4
International lounges
0
2
Benefits
Fuel waiver
Yes
Yes
Dining
Yes
No
Movies
Yes
No
Eligibility
Minimum income
₹5,00,000
₹8,00,000

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