HDFC Millennia vs SC Ultimate vs ICICI Platinum Chip
Side-by-side credit card comparison to help you choose the best one.
Our Pick
SC Ultimate
4.7
Why this card wins: Luxury Travel — 3.33% rewards value on all spends
| Feature | HDFC Millennia | SC Ultimate | ICICI Platinum Chip |
|---|---|---|---|
| Bank | HDFC Bank | Standard Chartered | ICICI Bank |
| Card Type | Cashback | Super Premium | Entry Level |
| Annual Fee | ₹1,000 + GST | ₹5,000 + GST | ₹199 + GST |
| Joining Fee | ₹1,000 + GST | ₹5,000 + GST | ₹199 + GST |
| Rewards | 5% Cashback on Amazon, Flipkart, Swiggy | 3.33% rewards value on all spends | 2 PAYBACK points per ₹100 on all spends |
| Best For | Online Shopping | Luxury Travel | Budget Users |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) | 3.40% per month (40.80% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹5,00,000 - ₹20,00,000 | ₹15,000 - ₹1,50,000 |
| Welcome Benefit | 1000 Cash Points on first txn | 10,000 reward points on first ₹20,000 spend | None |
| Min Income | ₹25,000/month | ₹1,00,000/month | ₹12,000/month |
| Lounge Access | 8 domestic per year | Unlimited domestic + international (Priority Pass) | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on all fuel txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 2.0% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free | Free |
| Rating | 4.6 | 4.7 | 3.9 |
| 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
Our Pick
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
ICICI Platinum Chip
Budget Users
Visa • Entry Level
- Lowest annual fee ICICI card
- Fuel surcharge waiver
- Contactless payments enabled
- Easy upgrade path to Coral/Sapphiro
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.