Side-by-side · honest numbers
IDFC FIRST Millennia Credit Card vs Standard Chartered Smart Card vs Standard Chartered Ultimate Credit Card
Honest side-by-side comparison of IDFC FIRST Millennia Credit Card, Standard Chartered Smart Card, Standard Chartered Ultimate Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, Standard Chartered Ultimate Credit Card ranks first for estimated net annual value — ahead of IDFC FIRST Millennia Credit Card by about ₹248/yr.
| Feature | IDFC FIRST Millennia Credit Card IDFC FIRST Bank | Standard Chartered Smart Card Standard Chartered | Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|---|
| Annual fee | ₹0 | ₹499 | ₹5,000 |
| Min income (monthly) | ₹20,000 | ₹30,000 | ₹60,000 |
| Top reward rate | 3% | 2% cashback | 5% |
| Net annual value (moderate spend) | ₹4,712/yr | ₹3,731/yr | ₹4,960/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- IDFC FIRST Millennia Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- Standard Chartered Ultimate Credit Card leads with an estimated ₹4,960/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- IDFC FIRST Millennia Credit Card lists a minimum monthly income of ₹20,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
Your adjusted comparison
| Feature | IDFC FIRST BankGold IDFC FIRST Millennia Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST Millennia Credit Card Top reward3% Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IDFC FIRST Millennia Credit Card IDFC FIRST Bank | Standard CharteredGold Standard Chartered Smart Card •••• •••• •••• 4242 Quick facts Standard Chartered Smart Card Top reward2% cashback Annual fee₹499 Min income₹30,000/mo Tap to flip back Standard Chartered Smart Card Standard Chartered | Standard CharteredPlatinum Standard Chartered Ultimate Credit Card •••• •••• •••• 4242 Quick facts Standard Chartered Ultimate Credit Card Top reward5% Annual fee₹5,000 Min income₹60,000/mo Tap to flip back Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|---|
| Annual fee | ₹0 | ₹499 | ₹5,000 |
| Min income | ₹20,000 | ₹30,000 | ₹60,000 |
| Top reward rate | 3% | 2% cashback | 5% |
| Net value (moderate) | ₹4,712/yr | ₹3,731/yr | ₹4,960/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | — | — |
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