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Comparison · हिन्दी

SC Platinum Rewards vs IDFC FIRST Millennia

Both cards compared on real rupee returns for best lifetime free entry level credit card India. We ran the numbers so you can make the right call.

Last updated: · Based on current card terms
STANDARD C
PLATINUM REWAR
ASHOK KUMAR
VS
IDFC FIRST
MILLENNIA
ASHOK KUMAR
Our verdict
IDFC FIRST Millennia Credit Card wins for most people
IDFC FIRST Millennia wins with ₹900 annual benefit versus SC Platinum Rewards' ₹761. Both cards are lifetime free, but IDFC's higher dining rewards and broader earning categories deliver better value for this spend profile.
Side-by-side comparison
Standard Chartered Platinum Rewards Credit Card IDFC FIRST Millennia Credit Card ✓
Annual benefit ₹761 ₹900
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹250 joining (waived on ₹500 spend within 30 days); Lifetime free thereafter Lifetime free
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 5 reward points per ₹150 on dining and fuel (0.83%); 1 RP per ₹150 on all other spends (0.17%); 1 RP = ₹0.25 10X reward points (about 1.25%) on dining, travel, international and birthday spends; 3X (about 0.375%) on other eligible spends; 1X (about 0.125%) on utility bills, insurance, railways and FASTag; 1X = 1 point per ₹200 and 1 point = ₹0.25; no points on fuel, EMIs or cash withdrawals
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → None 4 visits/year (domestic)
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 Beginners wanting a lifetime free card with dining and fuel rewards Lifetime free card with a higher rate on dining and travel
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹20,000/month (salaried) ₹3L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 650+
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When each card wins
Standard Chartered Platinum Rewards Credit Card
SC Platinum Rewards works better if you want absolute simplicity and focus heavily on dining and fuel purchases. Its straightforward rewards structure and lifetime-free status suit cost-conscious beginners.
IDFC FIRST Millennia Credit Card
IDFC FIRST Millennia excels for your actual spend mix, particularly the ₹4000 monthly dining spend which earns 10X points. The higher overall rewards rate across shopping and groceries categories makes it the smarter choice.
Who should get which card
Get Standard Chartered Platinum Rewards if you…
· Prefer a simple, beginner-friendly card with minimal complexity
· Prioritize dining and fuel rewards above all else
· Want guaranteed lifetime-free status with no surprises
Get IDFC FIRST Millennia if you…
· Maximize rewards on your ₹4000 monthly dining spend with 10X points
· Earn better returns on shopping and groceries categories
· Value a premium card with higher earning potential at no cost
Partner offer
Roarbank RuPay Credit Card
New-to-credit users who want a lifetime-free RuPay UPI card with a built-in savings account, and who will actively pick and track their monthly cashback categories
Apply now →
UNITY
ASHOK KUMAR

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Frequently asked questions
Based on our analysis, IDFC FIRST Millennia Credit Card offers better annual returns for most spend profiles.
Standard Chartered Platinum Rewards Credit Card has an annual fee of ₹250 joining (waived on ₹500 spend within 30 days); Lifetime free thereafter. IDFC FIRST Millennia Credit Card has an annual fee of Lifetime free.
Standard Chartered Platinum Rewards Credit Card offers 5 reward points per ₹150 on dining and fuel (0.83%); 1 RP per ₹150 on all other spends (0.17%); 1 RP = ₹0.25. IDFC FIRST Millennia Credit Card offers 10X reward points (about 1.25%) on dining, travel, international and birthday spends; 3X (about 0.375%) on other eligible spends; 1X (about 0.125%) on utility bills, insurance, railways and FASTag; 1X = 1 point per ₹200 and 1 point = ₹0.25; no points on fuel, EMIs or cash withdrawals.
Standard Chartered Platinum Rewards Credit Card lounge access: None. IDFC FIRST Millennia Credit Card lounge access: 4 visits/year (domestic).
Standard Chartered Platinum Rewards Credit Card charges 3.5% forex markup. IDFC FIRST Millennia Credit Card charges 3.5% forex markup.