HDFC Millennia Credit Card vs AU Small Finance Bank Altura Credit Card

• 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

* Avail 2% Cashback on retail spends at Grocery stores, Departmental stores and Utility bill payments. The maximum cashback per statement cycle is Rs. 50
* Avail 1% Cashback on other retail spends. The maximum cashback per statement cycle is Rs. 50
* Milestone Benefit: Earn additional cashback of Rs. 50 on completing a minimum of Rs. 10,000 retail spends in every statement cycle
* Railway Lounges: Get 2 complimentary lounge access per calendar quarter, using VISA Card at railway stations in selected cities
* Enjoy 1% Fuel Surcharge Waiver for fuel transactions done between Rs. 400 and Rs. 5,000 at all fuel stations in India. Maximum Rs. 100 per statement cycle
* Card Liability Cover: If the Credit Card gets lost, you’ll have zero liability on any fraudulent transactions made using the card after reporting the loss to the bank. You’re even protected against Card Counterfeit/Skimming, and Online frauds
* Contactless Card
* Convert transactions worth Rs. 2,000 or more into easy EMI options on selected tenure chosen by you
* Avail Add on card that is free for lifetime

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

Pros
* Complimentary railway lounge access
* Attractive welcome and milestone benefits
* Get up to 7% Cashback as an introductory offer

Cons
* No golf privileges
* No Airmiles
* No airport lounges benefits