Citibank Cashback Credit Card vs HDFC Millennia Credit Card
Joining Fees
₹500
₹1,000
Editor's Rating
3.5
4
Key Features
- 5% Cashback on Telephone & Utility Bill payments, and Movie ticket purchases and 0.5% Cashback on all other spends
- The unredeemed cashback is evergreen as it'll never expire
- Turn big purchases into small payments
- Instant Loans
- Over 26,000 offers and privileges on travel, hotels, shopping, entertainment, spas, Golf and much more
- You will receive Welcome Benefit of 1000 CashPoints that’s applicable only on payment of membership fee
- Get Renewal membership fee waived off by spending Rs. 1,00,000 and above during the first year
- Earn 5% CashBack on all spends with a maximum CashBack earning of Rs. 2,250 per month
- Earn 5% CashBack on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp, and SmartBuy (minimum transaction size of Rs. 2000)
- 2.5% CashBack on all online spends
- 1% CashBack on all offline spends and Wallet reloads
- 8 Complimentary Domestic Lounge Access per calendar year
- Complimentary Domestic Airport Lounge access annually
- Experience the Good Food Trail Dining program at premium restaurants across top cities.
- 1% Fuel Surcharge waived off on fuel transactions (Minimum transaction of Rs. 400, Maximum CashBack of Rs. 250 per statement cycle)
- Enjoy up to 50 days of the interest-free period from the date of purchase
- If your HDFC Bank Millennia Credit Card gets lost, report immediately and avail zero liability on any fraudulent transactions made on the Credit Card
Rewards Rate:
Please note: The CashBack will be given in the form of CashPoints
- The redemption against the statement balance: 1 CashPoint = Rs. 1
- Redemption against travel benefits such as Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal: 1 CashPoint = Rs. 0.30
- Redeem CashPoints at the conversion rate of 1 CashPoint = Rs. 0.30
Editor's Review
Pros
- The Citibank Cash Credit Card gives the advantage of earning Cash points on every purchase
- This Credit Card has privileges from booking Tickets, Dining, Bill Payment and more
- Get benefits worth Rs. 3,300+ in the first year
Cons:
- No Complimentary Airport Lounge access
Pros
- Avail Complimentary MasterCard/Diners Club/Visa Lounge Access Program
- The HDFC Bank Millennia Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets
- Revolving Credit is available at a nominal interest rate
Cons
- No golf/coaching sessions
- The Cash Points are only valid for 1 year from the date of accumulation
- Interest rates bit higher than the other credit cards- It’s 3.49% per month, accounting to 41.88% per annum
