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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Annual fee
₹1,000
Mastercard · Standard Chartered
5X on travel & dining — Best for travel · dining.
Annual fee
₹2,500
Visa · Standard Chartered
5% cashback on utilities — Best for bill-payments.
Annual fee
₹750
IDFC FIRST Bank
Annual Fee
₹1,000
Reward Rate
3X on online; 2X offline
Welcome Benefit
—
Standard Chartered
Annual Fee
₹2,500
Reward Rate
5X on travel & dining
Welcome Benefit
—
Standard Chartered
Annual Fee
₹750
Reward Rate
5% cashback on utilities
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 | IDFC FIRST Millennia Credit CardVisa · IDFC FIRST Bank | Standard Chartered Journey Credit CardMastercard · Standard Chartered | Standard Chartered Super ValueTitanium Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | IDFC FIRST Bank | Standard Chartered | Standard Chartered |
Card | |||
Annual fee | ₹1,000 | ₹2,500 | ₹750Best |
Joining fee | ₹1,000 | ₹2,500 | ₹750Best |
Reward rate | 3X on online; 2X offlineBest | 5X on travel & dining | 5% cashback on utilities |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Mastercard | Visa |
Best for | online-shopping, rewards | travel, dining | bill-payments |
Apply |
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Standard Chartered
5X on travel & dining — Best for travel · dining.
Standard Chartered
5% cashback on utilities — Best for bill-payments.
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