I Have never seen such a bank in my life.i am using credit card of standard chartered bank from a long time.i am getting reward points and cash back offers.Also it is very easy to redeem the reward points and offers.there was no challenge with SCB credit card.it is very easy to use and so convenient in terms of due date and the paymet.they have given a good limit in the card as compared to others.they send the statements on time and also there are no hidden charges which is levied on the statement .this card has very good features from savings points of view