Compare Cards India - Apply Right Credit Card For You

AU Bank LIT Credit Card Apply Now	HDFC Bank Millennia Credit Card Apply Now
Joining Fee Nil	Joining Fee Rs. 1,000 + GST
Rewards and Benefits
Welcome Benefits N/A	Welcome Benefits 1,000 CashPoints as a Welcome Benefit.
Rewards Rate 1 Reward Point for every Rs. 100 spent on retail with the card, 10X or 5X accelerated Reward Points (For Specific Feature) and Additional cashbacks (For Specific Feature)	Rewards Rate 5% cashback (as CashPoints) at select partner online merchants and 1% cashback (as CashPoints) on all other spends (except fuel, rental, and govt. related transactions)
Movie & Dining 3 Months of complimentary Membership of Zee5, Amazon Prime and Additional 5% cashback for Dining expenses.	Movie & Dining Up to 20% discount at partner restaurants with Swiggy Dineout
Reward Redemption Redeem Reward Points for exciting discounts and offers.	Reward Redemption Rewards processed as CashPoints, 1 CP = Re. 1 while redeeming against statement balance of credit card and 1 CP = Rs. 0.30 while redeeming against products and vouchers in the product catalogue, and against flight/hotel booking.
Travel Complimentary access to domestic lounges in India.	Travel One free airport lounge visit on spending Rs. 1 lakh in a quarter (Milestone Benefit)
Golf NA	Golf N/A
Domestic Lounge 2 Complimentary Airport Lounge Access Every Quarter (8 Each Year)	Domestic Lounge N/A
International Lounge N/A	International Lounge N/A
Insurance Benefits NA	Insurance Benefits N/A
Zero Liability Protection Zero liability of the cardholder against fraudulent transactions in the event of loss or theft of the credit card if the same is reported to the customer care of the bank within 7 days from the loss of the card.	Zero Liability Protection Zero liability of the credit cardholder in case of fraudulent transactions after you have reported about the loss or theft of the card to the bank.
Fees & Charges

Renewal Fee Nil	Renewal Fee Rs. 1,000 + GST
Spend Based Waiver NA	Spend Based Waiver The renewal fee is waived off if the cardholder spends Rs. 1 Lakh or more in the previous year.
Rewards Redemption Fee Nil	Rewards Redemption Fee Rs. 99 per redemption request (plus applicable taxes)
Foreign Currency Markup 3.49% on all foreign currency spends.	Foreign Currency Markup 3.5% (plus applicable taxes)
Interest Rates 3.49% per month	Interest Rates 3.6% per month (or 43.2% per annum)
Fuel Surcharge 1% fuel surcharge waiver for fuel transactions between Rs. 400 and Rs. 5,000.	Fuel Surcharge A 1% Fuel surcharge is waived if you spend between Rs. 400 and Rs. 5,000 on fuel (Max Rs. 250 per statement cycle)
Cash Advance Charges 2.5% of the transaction amount (subject to a minimum charge of Rs. 100)	Cash Advance Charges 2.5% of the transaction amount, subject to a minimum fee of Rs. 500
Add-on Card Fee Nil	Add-on Card Fee Nil

AU Bank LIT Credit Card

HDFC Bank Millennia Credit Card

Rewards and Benefits

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