American Express PAYBACK® Credit Card vs HDFC Millennia Credit Card

Joining Fees

₹750

₹1,000

Editor's Rating

3.6

4

Key Features

  • Earn multiple Points from more than 50 PAYBACK partners and 2 PAYBACK Points from American Express PAYBACK Credit Card for every Rs. 100 spent
  • Milestone Benefits: Avail Flipkart vouchers worth Rs. 7,000 on spending Rs. 2.5 Lakh in a Card-membership year. Earn a Flipkart voucher worth Rs 2,000 on spending Rs. 1.25 Lakh in a Card-membership year. Additionally, earn a Flipkart voucher worth Rs. 5,000 on spending Rs. 2.5 Lakh in a Card-membership year
  • Earn 2 PAYBACK Points for every Rs. 100 spent except for spend on Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at Point of Sale. Boost the PAYBACK Points while shopping at over 50 PAYBACK partner brands
  • The NEW American Express PAYBACK Credit Card provides a range of other exciting offers and privileges too. Other exciting offers are available on Fuel, Dining, Limited liability for card loss, Contactless Payment
  • Renewal Offer: Spend Rs. 1 lakh or more in the previous 12 months to waive the renewal membership fee for the next year
  • Avail 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
  • Avail 1% cashback on all other spends
  • Get Rs. 1000 worth of gift vouchers on spends of Rs. 1,00,000 and above in each calendar quarter
  • Up to 20% discount on partnered restaurants via Swiggy Dineout
  • Zero lost card liability
  • Up to 50 days of interest-free period from the date of purchase
  • Revolving Credit is available at a nominal interest rate 
  • Enjoy amazing dining benefits with the Good Food Trail program
  • Save up to 20% on your restaurant bill payments at more than 20,000 restaurants with Swiggy Dineout. This offer includes both restaurant and Swiggy discounts and is only available for payments made through the Swiggy App
  • Lounge access has been added to the quarterly spend milestone program, effective from December 1, 2023. Once a user achieves a quarterly spend milestone, they can choose to receive either a Dreamfolks airport lounge access voucher or a Rs. 1000 voucher from a list of available brands
  • 1% fuel surcharge waiver at all fuel stations in India. This is valid on transactions between Rs. 400 and Rs. 5000 
  • Convert big spends into EMI after purchase
  • This card is equipped with contactless payment technology for added convenience and speed

Editor's Review

Pros

  • Get rewarded on all your spends
  • Reasonable Joining Fees

Cons

  • No Fuel Surcharge Wavier
  • No complimentary Airport Lounge Access

Pros

  • Get 7% Reward points on every Shoppers Stop spends
  • Get 2% Reward points on every Non-Shoppers Stop spends
  • Enjoy Complimentary Shoppers Stop Black membership worth Rs. 4500

Cons

  • No golf/coaching sessions
  • No proper lounge access benefits


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