HDFC Millennia vs SC DigiSmart
Side-by-side credit card comparison to help you choose the best one.
HDFC Millennia
Why this card wins: Online Shopping — 5% Cashback on Amazon, Flipkart, Swiggy
| Feature | ||
|---|---|---|
| Bank | HDFC Bank | Standard Chartered |
| Card Type | Cashback | Cashback |
| Annual Fee | ₹1,000 + GST | Lifetime Free |
| Joining Fee | ₹1,000 + GST | Nil |
| Rewards | 5% Cashback on Amazon, Flipkart, Swiggy | 5% cashback on Flipkart, Myntra, Swiggy, Zomato |
| Best For | Online Shopping | Online Shopping |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | 1000 Cash Points on first txn | None |
| Min Income | ₹25,000/month | ₹20,000/month |
| Lounge Access | 8 domestic per year | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.6 | 4.3 |
| Contactless | ||
| EMI Conversion |
Key Features
HDFC Millennia
Online Shopping
Mastercard • Cashback
- 1% cashback on all offline spends
- 8 complimentary domestic lounge visits per year
- Welcome benefit of 1000 Cash Points
- Quarterly milestone rewards of ₹1000
SC DigiSmart
Online Shopping
Mastercard • Cashback
- No annual fee ever
- 5% cashback on top online brands
- 1% cashback on all other spends
- Smart EMI on purchases above ₹2,500
Verdict
Based on rating and overall value, HDFC Millennia ranks highest among your selected cards. It excels at Online Shopping and offers 5% Cashback on Amazon, Flipkart, Swiggy.
Frequently asked questions
Which is better: HDFC Millennia or SC DigiSmart?
HDFC Millennia has the higher CardKhoj rating (4.6/5) and is best for online shopping. SC DigiSmart is the better fit if your priority is online shopping. The right choice depends on where you spend most.
Which has the lower annual fee: HDFC Millennia and SC DigiSmart?
SC DigiSmart is cheaper to hold at Lifetime Free, compared with ₹1,000 + GST for HDFC Millennia.
Do HDFC Millennia and SC DigiSmart offer airport lounge access?
HDFC Millennia: 8 domestic per year. SC DigiSmart: no complimentary lounge access.
Which card is better for international spending?
All of them charge the same forex markup of 3.5% + GST, so choose based on other benefits.
Related Articles
Top 10 High-Reward Credit Cards for Online Shopping in India (2026)
Maximize your savings with the best e-commerce credit cards. We compare Amazon Pay ICICI, HDFC Millennia, and more.
HDFC vs ICICI Credit Cards: Which Bank Offers More Value?
An in-depth battle of the banking giants. We compare reward points, lounge access, and fee structures of India's top issuers.
How to Get a Credit Card Without Income Proof or Salary Slip
Get a credit card even without salary proof. Explore FD-backed secured cards, prepaid cards, and add-on card options.
Best First Credit Card for Beginners with No Credit History
Starting your credit journey? Compare the best entry-level cards from HDFC, ICICI, SBI, and Axis for first-time users.