Standard Chartered Smart Credit Card
Rs 499Annual fee
Rs 1,20,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
cashback, online, entry level
Top rewards
Online retail spends (excl. fuel): 2% cashback; Other eligible retail spends (excl. fuel): 1% cashback
HDFC Millennia Credit Card
Rs 1,000Annual fee
Rs 1,00,000Fee waiver spend
4Domestic lounge
Domestic lounge conditions
- Either Rs 1,000 gift voucher or 1 domestic lounge access voucher on spends of Rs 1,00,000 and above in each calendar quarter
3.5%Forex markup
Best for
online, wallets, cashback
Top rewards
select online merchants: 5% CashBack; others: 1% CashBack; smartbuy: Up to 10% CashBack
| Feature | Standard Chartered Smart Credit Card | HDFC Millennia Credit Card |
|---|---|---|
| Issuer | Standard Chartered | HDFC Bank |
| Network | Visa | Visa, Mastercard |
| Joining fee | Rs 499 | Rs 1,000 |
| Annual fee | Rs 499 | Rs 1,000 |
| Fee waiver spend | Rs 1,20,000 | Rs 1,00,000 |
| Reward type | cashback | cashback |
| Best for | cashback, online, entry level | online, wallets, cashback |
| Top reward categories | Online retail spends (excl. fuel): 2% cashback; Other eligible retail spends (excl. fuel): 1% cashback | select online merchants: 5% CashBack; others: 1% CashBack; smartbuy: Up to 10% CashBack |
| SmartBuy / accelerated caps | Not listed | smartbuy: daily 1,000 cashback, monthly 1,000 cashback |
| Domestic lounge | 0 | 4 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Renewal fee waived on annual spends of Rs 1,20,000 or more in the previous year | Either Rs 1,000 gift voucher or 1 domestic lounge access voucher on spends of Rs 1,00,000 and above in each calendar quarter |
| Redemption | Statement credit: upto Rs 1 per point | SmartBuy travel: upto Rs 1 per point; Statement credit: upto Rs 1 per point |
| Key exclusions | Fuel transactions, Cash withdrawal / cash advance transactions, Fees and charges (including annual fee and finance charges) | fuel, rent, government payments, cash withdrawal, wallet loads, emi transactions |