Standard Chartered Platinum Rewards Credit Card vs HDFC Millennia Credit Card

• Earn 5 reward points for every Rs. 150 spent on dining and fuel with no monthly cap on the rewards earned
• Earn 1 reward point for every Rs. 150 spent on all other categories
• Zero Annual and Joining Fees- Spend Rs 500 or more within 30 days from card issuance to avoid levy of onetime fee of Rs. 250 + GST
• Supplementary Credit Card Facility- By availing this facility, the cardholder can extend all the SCB platinum rewards card benefits to its family members
• This is a Contactless credit card
• Enjoy the enhanced security for online transactions through 3D secure OTP verification
• Get wide range oof instant payment solutions like Samsung Pay and BharatQR, and Bharat Bill Payment Solution (BBPS)
• Avail Online Banking and SC Mobile facility that offers convenience to make online credit card transactions
• Convert an entire outstanding balance amounting up to Rs. 5,00,000 into EMIs at zero processing fees

• Renewal Offer: Spend Rs. 1 lakh or more in the previous 12 months to waive the renewal membership fee for the next year
• Avail 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
• Avail 1% cashback on all other spends
• Get Rs. 1000 worth of gift vouchers on spends of Rs. 1,00,000 and above in each calendar quarter
• Up to 20% discount on partnered restaurants via Swiggy Dineout
• Zero lost card liability
• Up to 50 days of interest-free period from the date of purchase
• Revolving Credit is available at a nominal interest rate 
• Enjoy amazing dining benefits with the Good Food Trail program
• Save up to 20% on your restaurant bill payments at more than 20,000 restaurants with Swiggy Dineout. This offer includes both restaurant and Swiggy discounts and is only available for payments made through the Swiggy App
• Lounge access has been added to the quarterly spend milestone program, effective from December 1, 2023. Once a user achieves a quarterly spend milestone, they can choose to receive either a Dreamfolks airport lounge access voucher or a Rs. 1000 voucher from a list of available brands
• 1% fuel surcharge waiver at all fuel stations in India. This is valid on transactions between Rs. 400 and Rs. 5000 
• Convert big spends into EMI after purchase
• This card is equipped with contactless payment technology for added convenience and speed

Pros

* Get wide range oof instant payment solutions like Samsung Pay and BharatQR, and Bharat Bill Payment Solution (BBPS)

* Avail Online Banking and SC Mobile facility that offers convenience to make online credit card transactions

* Convert an entire outstanding balance amounting up to Rs. 5,00,000 into EMIs at zero processing fees

Cons

* No complimentary airport lounge access

* No fuel surcharge wavier

* No golf/coaching sessions

Pros

• Get 7% Reward points on every Shoppers Stop spends
• Get 2% Reward points on every Non-Shoppers Stop spends
• Enjoy Complimentary Shoppers Stop Black membership worth Rs. 4500

Cons

• No golf/coaching sessions
• No proper lounge access benefits