HDFC Bank Titanium Times Credit Card vs HDFC Millennia Credit Card

• Complimentary Annual Times Prime Membership- Enjoy offers and subscriptions on top brands such as Gaana Plus, Sonyliv, TOI+, Chaayos, Uber, and Myntra
• Avail offer on Movies/BookMyShow- Get 25% off via BookMyShow on Movie Tickets. The cardholder can purchase a maximum of 4 discounted tickets per card per month. Avail maximum discount of Rs. 350 per transaction, and also get a discount of Rs. 50 on Food and Beverage only once
• Extra discount of Rs. 1500- Get up to a maximum of 10% off on bills via PayEazy on Eazydiner. Avail 6 months complimentary membership
• Up to 20% off on online and offline – shopping, wellness, and hotel stays at selected partners. City wise offers based offers every single day
• Up to 5% Cashback on Utility Bills/Shopping
• Avail 1% fuel surcharge waiver on fuel transactions between Rs. 400 and Rs. 4000
• You can convert your big spends into EMI after purchase
• Contactless payment enabled
• Avail 2 Reward Points for every Rs. 150 spent
• Weekday Dining Bonanza Reward Points
• Avail 5 Reward Points on every Rs. 150 spent on dining spends on weekdays

• 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

Pros

• Welcome Benefits
• Complimentary Annual Times Prime Membership
• Avail offer on Movies/BookMyShow- Get 25% off via BookMyShow on Movie Tickets, and Weekday Dining Bonanza Reward Point

Cons

• No golf benefits
• No 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