Standard Chartered Platinum Credit Card vs IDFC FIRST Millennia Credit Card

Joining Fees

₹250

₹0

Editor's Rating

3.6

2.75

Key Features

  • Enjoy the benefit of 5x reward points on dining and fuel spends
  • Avail 5 Reward points for every Rs. 150 spent on dining and fuel with no monthly cap on the rewards earned
  • For every Rs. 150 spent on all other categories, avail 1 reward point
  • Enjoy a wide range of instant payment solutions like BharatQR, Bharat bill payment solution (BBPS) and Samsung Pay
  • Convert big credit card transactions (starting from Rs. 5,000) into easy instalments at attractive rates at zero preclosure charges
  • Get 10X Reward Points on incremental spends above Rs. 20,000 per month and spends done on the cardholder’s birthday
  • Get 3X  Reward Points on applicable online and offline purchases for spends up to Rs. 20,000 per month
  • Use the Reward points to instantly pay for online or in-store purchases
  • Get 1X Reward Points on Insurance premium payments and Utility bill payments
  • Get 25% discount on movie tickets up to Rs. 100 on Paytm mobile app. This is valid once per month
  • Get 4 complimentary Railway lounge visits per quarter
  • Avail complimentary Roadside Assistance worth Rs. 1,399
  • Fuel surcharge waiver of 1% at all fuel stations in India, up to Rs. 200/month. This is applicable only on transactions between Rs. 200 & Rs. 5000
  • Enjoy 300+ Merchant offers all year long
  • Up to 20% discount at 1500+ restaurants 
  • Up to 15% discount at 3000+ Health & Wellness outlets
  • Avail Personal Accident Cover of Rs. 2,00,000 and Lost Card Liability Cover of Rs. 25,000
  • Convert all transactions above Rs. 2,500 into easy and convenient EMIs from the mobile app
  • Instant EMI conversion for all online transactions above Rs. 2,500 on the bank’s OTP page
  • Enjoy convenient transfer of balances from other bank credit cards with IDFC First Bank’s balance transfer privilege

Editor's Review

Pros

  • Get more out of your spends with the Standard Chartered Platinum Rewards credit card
  • Enjoy host of offers and discounts across shopping, travel, dining and more with exclusive offers on your credit card
  • Transfer card balance up to Rs. 5 Lakh at attractive interest rate

Cons

  • High-interest rates

Pros

  • Lifetime free credit card
  • Complimentary Railway lounge access
  • NIL Overlimit fees, NIL Addon charges

Cons

  • No milestone benefits
  • No Airport Lounge Access


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