Compare : HDFC Millennia Credit Card vs Standard Chartered Platinum Rewards Credit Card

Bonus 1,000 cash points on joining fee payment

NA

5% cashback up to 1,000 cash points/month on Flipkart, Swiggy, Amazon, BookMyShow, Myntra, Uber, Cult.fit, Sony LIV, Tata CLiQ and Zomato

1% cashback up to 1,000 cash points/month on other spends

5 reward points for every Rs. 150 spent on dining and fuel

1 reward point for every Rs. 150 spent on other categories

Up to 4 complimentary domestic airport lounge access per year (1 per quarter) on Rs. 1 lakh quarterly spends

NA

Up to 5% cashback on major lifestyle-related online spends

Bonus points worth the joining fee on activation

Multiple redemption options with redemption value of up to 1:1

Annual fee waiver condition is quite easily achievable

5X reward points on dining and fuel spends

No monthly capping on accelerated reward points

Instant approval without any documentation

Joining fee waiver with easily achievable spend threshold

Monthly capping on cashback earning

Low cashback rate for non-accelerated category

Exclusion of major everyday spends like utilities and rent from cashback earning

Lounge access benefit is optional and spend-based

Low base reward rate on spends other than dining & fuel

Low reward redemption value of Rs. 0.25 per point

No travel and lifestyle related benefits

Those who frequently spend online across partner brands.

Consumers who frequently dine out and want to earn good value-back through reward points