HDFC Millennia Credit Card vs Standard Chartered Super Value Titanium Credit Card

• You will receive Welcome Benefit of 1000 CashPoints that’s applicable only on payment of membership fee
• Get Renewal membership fee waived off by spending Rs. 1,00,000 and above during the first year
• Earn 5% CashBack on all spends with a maximum CashBack earning of Rs. 2,250 per month
• Earn 5% CashBack on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp, and SmartBuy (minimum transaction size of Rs. 2000)
• 2.5% CashBack on all online spends
• 1% CashBack on all offline spends and Wallet reloads
• 8 Complimentary Domestic Lounge Access per calendar year
• Complimentary Domestic Airport Lounge access annually
• Experience the Good Food Trail Dining program at premium restaurants across top cities.
• 1% Fuel Surcharge waived off on fuel transactions (Minimum transaction of Rs. 400, Maximum CashBack of Rs. 250 per statement cycle) 
• Enjoy up to 50 days of the interest-free period from the date of purchase 
• If your HDFC Bank Millennia Credit Card gets lost, report immediately and avail zero liability on any fraudulent transactions made on the Credit Card

Rewards Rate:

Please note: The CashBack will be given in the form of CashPoints

• The redemption against the statement balance: 1 CashPoint = Rs. 1
• Redemption against travel benefits such as Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal: 1 CashPoint = Rs. 0.30
• Redeem CashPoints at the conversion rate of 1 CashPoint = Rs. 0.30

• Get 5% cashback on fuel, phone and utility bills and 1 reward point on all other expenses
• Enjoy host of discounts and offers across dining, shopping, travel and many more with the Standard Chartered Good Life programme, on the credit card
• Transfer card balance up to Rs. 5 Lakh at an attractive interest rate
• Convert your big credit card transactions (starting from Rs. 5,000) to easy EMI with 'Kuch Bhi' facility at attractive pricing and flexible tenure options

Pros

• Avail Complimentary MasterCard/Diners Club/Visa Lounge Access Program
• The HDFC Bank Millennia Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets
• Revolving Credit is available at a nominal interest rate

Cons

• No golf/coaching sessions
• The Cash Points are only valid for 1 year from the date of accumulation 
• Interest rates bit higher than the other credit cards- It’s 3.49% per month, accounting to 41.88% per annum

Pros

• All transaction of Rs. 2,000 or below is eligible for cashback 5% cashback on telephone bills
• Complimentary Priority Pass allowing access to 1000+ airport lounges worldwide with one Free usage per month

Cons

• Below average rewards rate for all other spending, no perks or promotions that stand out
• No Golf Privileges
• Airport Lounge access only for Premium Banking Customers