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SC Rewards vs HDFC Millennia

Both cards compared on real rupee returns for best all-round mid-tier credit card India SC vs HDFC. We ran the numbers so you can make the right call.

Updated · Terms checked by Prashant Parikh
STANDARD C
REWARDS
ASHOK KUMAR
VS
HDFC
MILLENNIA
ASHOK KUMAR
Our verdict
HDFC Millennia Credit Card wins for most people
HDFC Millennia wins decisively with ₹6,080 annual benefit versus SC Rewards' ₹528, delivering over 11x better value for this spend profile through targeted cashback on online shopping and dining platforms.
Side-by-side comparison
Standard Chartered Rewards Credit Card HDFC Millennia Credit Card ✓
Annual benefit ₹528 ₹6,080
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 from Year 2 (waived on ₹1,50,000/year spend; free for Year 1) ₹1,000 + taxes (waived on ₹1L spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 4 reward points per ₹150 on all retail spends (0.67%); additional 4 RP on monthly spend above ₹20,000 (total 8 RP = 1.33%); 1 per quarter domestic lounge 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
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 1 domestic visit/quarter (4/year) No complimentary lounge access; 1 domestic lounge visit or a ₹1,000 voucher each quarter on ₹1 lakh of quarterly spend
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 Consistent spenders wanting flat rewards on everything with lounge access at low fee Online shoppers and food delivery users who buy on Amazon, Flipkart, Swiggy and Zomato
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹25,000/month (salaried) ₹3.5L+ per year
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
Standard Chartered Rewards Credit Card
SC Rewards suits consistent spenders who don't use online marketplaces or food delivery apps, preferring flat rewards across all retail purchases. It also offers quarterly domestic lounge access, valuable for frequent flyers seeking airport perks.
HDFC Millennia Credit Card
HDFC Millennia excels for this exact spending pattern, leveraging 5% cashback on Amazon, Flipkart, Swiggy, and Zomato, covering significant portions of shopping and dining spend. The 1% fallback on other purchases adds consistent value across all categories.
Who should get which card
Get Standard Chartered Rewards if you…
· Prefer uniform reward rates across all retail merchants without online shopping focus
· Value quarterly domestic airport lounge access for business travel
· Seek simplicity in earning without platform-specific cashback caps
Get HDFC Millennia if you…
· Shop regularly on Amazon, Flipkart, Myntra and Tata CLiQ
· Use Swiggy and Zomato for food delivery and dining
· Benefit from 5% cashback caps aligned with this spend profile's priorities
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
SC Super Value Titanium vs Standard Chartered Rewards →HDFC Millennia vs Axis ACE →HDFC Millennia vs SBI Cashback →HDFC MoneyBack+ vs HDFC Millennia →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.
Standard Chartered Rewards Credit Card has an annual fee of ₹1,000 + taxes from Year 2 (waived on ₹1,50,000/year spend; free for Year 1). HDFC Millennia Credit Card has an annual fee of ₹1,000 + taxes (waived on ₹1L spend).
Standard Chartered Rewards Credit Card offers 4 reward points per ₹150 on all retail spends (0.67%); additional 4 RP on monthly spend above ₹20,000 (total 8 RP = 1.33%); 1 per quarter domestic lounge. 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 Rewards Credit Card lounge access: 1 domestic visit/quarter (4/year). 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 Rewards Credit Card charges 3.5% forex markup. HDFC Millennia Credit Card charges 3.5% forex markup.