After FA Cup disappointment at the weekend, Rafa Benitez brings back some of his more experienced players as they travel to Craven Cottage to face Martin Jol's team
Terry replaces Cesar Azpilicueta and comes into the centre of defence alongside David Luiz, who will be making his 100th appearance for the club at the same ground that he made his debut.
Further up the pitch, John Obi Mikel drops out for Lampard, while Victor Moses comes in for Oscar and Torres slots back into the front line in place of Demba Ba.
Fulham also failed to win at the weekend as they drew away to Aston Villa, but Martin Jol has not decided to ring the changes, with just two players coming in.
In defence, Kieran Richardson takes a place on the substitutes' bench, wih John Arne Riise replacing him on the left as he did late on at Villa Park.
Fulham's only other change sees Damien Duff miss out due to injury, meaning he will not be playing against his former team as Mladen Petric deputises.
Fulham starting XI: Schwarzer; Riether, Senderos, Hangeland, Riise; Ruiz, Enoh, Karagounis, Emanuelson; Berbatov, Petric.
Subs: Etheridge, Richardson, Hughes, Manolev, Frimpong, Frei, Rodallega.
Chelsea starting XI: Cech; Ivanovic, Luiz, Terry, Bertrand; Ramires, Lampard; Moses, Mata, Hazard; Torres.
Subs: Turnbull, Oscar, Mikel, Azpilicueta, Benayoun, Ake Ba.