HDFC Millennia vs SC Ultimate
Side-by-side credit card comparison to help you choose the best one.
SC Ultimate
Why this card wins: Luxury Travel — 3.33% rewards value on all spends
| Feature | ||
|---|---|---|
| Bank | HDFC Bank | Standard Chartered |
| Card Type | Cashback | Super Premium |
| Annual Fee | ₹1,000 + GST | ₹5,000 + GST |
| Joining Fee | ₹1,000 + GST | ₹5,000 + GST |
| Rewards | 5% Cashback on Amazon, Flipkart, Swiggy | 3.33% rewards value on all spends |
| Best For | Online Shopping | Luxury Travel |
| 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 | ₹5,00,000 - ₹20,00,000 |
| Welcome Benefit | 1000 Cash Points on first txn | 10,000 reward points on first ₹20,000 spend |
| Min Income | ₹25,000/month | ₹1,00,000/month |
| Lounge Access | 8 domestic per year | Unlimited domestic + international (Priority Pass) |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on all fuel txns |
| Foreign Txn Fee | 3.5% + GST | 2.0% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.6 | 4.7 |
| 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 Ultimate
Luxury Travel
Visa Infinite • Super Premium
- Unlimited domestic & international lounge access
- Travel insurance up to ₹5 Crore
- Golf privileges worldwide
- Concierge services 24/7
Verdict
Based on rating and overall value, SC Ultimate ranks highest among your selected cards. It excels at Luxury Travel and offers 3.33% rewards value on all spends.
Frequently asked questions
Which is better: HDFC Millennia or SC Ultimate?
SC Ultimate has the higher CardKhoj rating (4.7/5) and is best for luxury travel. HDFC Millennia 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 Ultimate?
HDFC Millennia is cheaper to hold at ₹1,000 + GST, compared with ₹5,000 + GST for SC Ultimate.
Do HDFC Millennia and SC Ultimate offer airport lounge access?
HDFC Millennia: 8 domestic per year. SC Ultimate: unlimited domestic + international (priority pass).
Which card is better for international spending?
SC Ultimate has the lowest forex markup at 2.0% + GST, which makes it cheaper for travel abroad and foreign-currency shopping.
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