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
Millennia Credit Card
Rs 1,000Annual fee
Rs 1,00,000Fee waiver spend
4Domestic lounge
Domestic lounge conditions
- Either ₹1,000 gift voucher or 1 domestic lounge access voucher on spends of ₹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 | Smart Credit Card | 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 ₹1,20,000 or more in the previous year | Either ₹1,000 gift voucher or 1 domestic lounge access voucher on spends of ₹1,00,000 and above in each calendar quarter |
| Redemption | Statement credit: upto ₹ 1 per point | SmartBuy travel: upto ₹ 1 per point; Statement credit: upto ₹ 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 |