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Comparison · हिन्दी

HDFC Millennia vs SC Smart

Both cards compared on real rupee returns for best online cashback credit card India HDFC vs SC. We ran the numbers so you can make the right call.

Updated · Terms checked by Prashant Parikh
HDFC
MILLENNIA
ASHOK KUMAR
VS
STANDARD C
SMART
ASHOK KUMAR
Our verdict
HDFC Millennia Credit Card wins for most people
HDFC Millennia wins with ₹5,000 annual benefits versus SC Smart's ₹2,621, delivering nearly double the value for this spend profile. Its 5% cashback on popular shopping and dining platforms aligns perfectly with your categories.
Side-by-side comparison
HDFC Millennia Credit Card ✓ Standard Chartered Smart Credit Card
Annual benefit ₹5,000 ₹2,621
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹1,000 + taxes (waived on ₹1L spend) ₹499 + taxes (waived on ₹1,20,000/year spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 5% cashback on Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV and Cult.fit, up to ₹1,000 a month; 1% on other spends, up to ₹1,000 a month; no cashback on fuel, rent, wallets, EMIs or government payments. 1 CashPoint = ₹1 against the statement 2% cashback on all online spends (capped ₹1,000/month); 1% on all offline spends (capped ₹500/month)
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → No complimentary lounge access; 1 domestic lounge visit or a ₹1,000 voucher each quarter on ₹1 lakh of quarterly spend None
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 3.5%
Best for Online shoppers and food delivery users who buy on Amazon, Flipkart, Swiggy and Zomato Simple flat cashback on online and offline spends with no category restrictions
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹3.5L+ per year ₹25,000/month (salaried)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 700+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
HDFC Millennia Credit Card
HDFC Millennia excels when you shop frequently on Amazon, Flipkart, Myntra, and order from Swiggy or Zomato. Your ₹9,000 monthly spending on these platforms unlocks its 5% cashback cap, maximizing rewards.
Standard Chartered Smart Credit Card
SC Smart suits minimal online shoppers with diverse merchant preferences across multiple platforms. It works best if you prefer simplicity over category optimization and spend less than ₹1,20,000 annually to waive fees.
Who should get which card
Get HDFC Millennia if you…
· Heavy users of Amazon, Flipkart, Swiggy, and Zomato
· Online shopper with consistent monthly spends above ₹1L (fee waived)
· Prioritize maximum cashback rewards over simplicity
Get Standard Chartered Smart if you…
· Prefer flat cashback without category restrictions
· Limited annual spend under ₹1,20,000
· Value straightforward rewards structure over optimization
Partner offer
Axis Bank Select Credit Card
Higher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spends
Apply now →
AXIS
ASHOK KUMAR

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Related guides
HDFC Millennia vs Axis ACE →HDFC Millennia vs SBI Cashback →HDFC MoneyBack+ vs HDFC Millennia →HDFC Millennia vs HDFC Regalia Gold →Best Dining Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Swiggy and Zomato →
Frequently asked questions
Based on our analysis, HDFC Millennia Credit Card offers better annual returns for most spend profiles.
HDFC Millennia Credit Card has an annual fee of ₹1,000 + taxes (waived on ₹1L spend). Standard Chartered Smart Credit Card has an annual fee of ₹499 + taxes (waived on ₹1,20,000/year spend).
HDFC Millennia Credit Card offers 5% cashback on Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV and Cult.fit, up to ₹1,000 a month; 1% on other spends, up to ₹1,000 a month; no cashback on fuel, rent, wallets, EMIs or government payments. 1 CashPoint = ₹1 against the statement. Standard Chartered Smart Credit Card offers 2% cashback on all online spends (capped ₹1,000/month); 1% on all offline spends (capped ₹500/month).
HDFC Millennia Credit Card lounge access: No complimentary lounge access; 1 domestic lounge visit or a ₹1,000 voucher each quarter on ₹1 lakh of quarterly spend. Standard Chartered Smart Credit Card lounge access: None.
HDFC Millennia Credit Card charges 3.5% forex markup. Standard Chartered Smart Credit Card charges 3.5% forex markup.