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HDFC Bank Millennia Credit CardApply Now |
HDFC Bank UPI RuPay Credit CardApply Now |
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Joining Fee Rs. 1,000 + GST | Joining Fee Rs. 99 + GST | ||
Rewards and Benefits |
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Welcome Benefits 1,000 CashPoints as a Welcome Benefit. | Welcome Benefits NA | ||
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) | Rewards Rate 3% Cashpoints on groceries, dining, and supermarket spends2% Cashpoints on utility spends1% Cashpoints on other spends, with some exclusions | ||
Movie & Dining Up to 20% discount at partner restaurants with complimentary Swiggy Dineout | Movie & Dining 3% Cashpoints on Dining spends | ||
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. | Reward Redemption The Cashpoints can be redeemed against card statement balance, hotel and flight ticket bookings, on the Smartbuy rewards portal, where 1 Cashpoints = Rs. 0.25 | ||
Travel 4 complimentary airport lounge access every year, 1 per quarter | Travel NA | ||
Golf N/A | Golf NA | ||
Domestic Lounge 1 Domestic Airport Lounge Access Every Quarter (4 Each Year) | Domestic Lounge NA | ||
International Lounge N/A | International Lounge NA | ||
Insurance Benefits N/A | Insurance Benefits NA | ||
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. | Zero Liability Protection Cardholders are not liable for fraud transactions if they report about the card loss or theft in a timely manner | ||
Fees & Charges |
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Renewal Fee Rs. 1,000 + GST | Renewal Fee Rs. 99 + GST | ||
Spend Based Waiver The renewal fee is waived off if the cardholder spends Rs. 1 Lakh or more in the previous year. | Spend Based Waiver Renewal fee is waived off on spending Rs.25,000 or more in the previous year | ||
Rewards Redemption Fee Rs. 99 per redemption request (plus applicable taxes) | Rewards Redemption Fee Rs. 99 plus taxes | ||
Foreign Currency Markup 3.5% (plus applicable taxes) | Foreign Currency Markup 3.5% of the transactions amount | ||
Interest Rates 3.6% per month (or 43.2% per annum) | Interest Rates 3.6% per month or 43.2% per annum | ||
Fuel Surcharge 1% Fuel surcharge which is waived if you spend minimum Rs 400 in single transaction. The maximum CashBack is capped at Rs. 250 per payment cycle. | Fuel Surcharge NA | ||
Cash Advance Charges 2.5% of the transaction amount, subject to a minimum fee of Rs. 500 | Cash Advance Charges 2.5% of the withdrawal amount or Rs. 500, whichever is higher | ||
Add-on Card Fee Nil | Add-on Card Fee Nil | ||
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