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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · HDFC Bank
5X rewards on Amazon/Flipkart/Myntra; 1X on others — Best for online-shopping · cashback.
Annual fee
₹1,000
Visa · Standard Chartered
5% cashback on subscriptions & utilities — Best for bill-payments.
Annual fee
₹1,500
Visa · Standard Chartered
Lifetime free. 5% cashback on fuel & utility — Best for fuel · bill-payments · lifetime-free.
Annual fee
Lifetime free
HDFC Bank
Annual Fee
₹1,000
Reward Rate
5X rewards on Amazon/Flipkart/Myntra; 1X on others
Welcome Benefit
—
Standard Chartered
Annual Fee
₹1,500
Reward Rate
5% cashback on subscriptions & utilities
Welcome Benefit
—
Standard Chartered
Annual Fee
Lifetime Free
Reward Rate
5% cashback on fuel & utility
Welcome Benefit
—
Side by side
Every fee, reward and benefit in one place — the winning card in each row is marked with a check.
CategoryFeature | HDFC Bank Millennia Credit CardVisa · HDFC Bank | Standard Chartered DigiSmart Credit CardVisa · Standard Chartered | Standard Chartered Platinum Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | Standard Chartered | Standard Chartered |
Card | |||
Annual fee | ₹1,000 | ₹1,500 | Lifetime FreeBest |
Joining fee | ₹1,000 | ₹1,500 | ₹0Best |
Reward rate | 5X rewards on Amazon/Flipkart/Myntra; 1X on othersBest | 5% cashback on subscriptions & utilities | 5% cashback on fuel & utility |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Visa | Visa |
Best for | online-shopping, cashback | bill-payments | fuel, bill-payments, lifetime-free |
Apply |
HDFC Bank
5X rewards on Amazon/Flipkart/Myntra; 1X on others — Best for online-shopping · cashback.
Standard Chartered
5% cashback on subscriptions & utilities — Best for bill-payments.
Standard Chartered
Lifetime free. 5% cashback on fuel & utility — Best for fuel · bill-payments · lifetime-free.
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