HDFC Millennia Credit Card vs Citi PremierMiles Card

Joining Fees



Editor's Rating



Key Features

  • 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
  • On the yearly card renewal period, get 3000 Bonus Miles
  • Earn 8 miles for every Rs.100 on spends at Amazon India, Flipkart, Myntra
  • Earn 4 Miles for every Rs.100 spent on all other transactions (Offer Validity: 15 Feb’21-15 Aug’21)
  • Redeem miles over more than 100 domestic and international airlines
  • Transfer your miles to any of the card’s hotel & airline partner
  • Miles never expires so you can use them whenever you desire
  • Redeem Miles instantly via SMS against purchases at leading brands
  • Turn big purchases into small payments  
  • Complimentary Access to Airport Lounges in India
  • Instant loans availed
  • Get amazing deals and discounts locally & in other 90 countries
  • As you earn more miles, redeem easily at www.premiermiles.co.in
  • You can either redeem the miles now or keep collecting them
  • Using Citi contactless card pay the easy way  
  • Enjoy the Travel and Lifestyle Services by contacting the Travel and Lifestyle specialist to create and plan an enchanting experience
  • Enjoy the latest offers on the credit card  
  • Have instant savings on lifestyle and wellness categories  
  • Join the millions of subscribers with a unique analysis of the issues behind the headlines
  • Personal Air Accident Insurance cover of Rs 1 crore
  • Lost Card Liability Cover of Rs. 10 Lakh

Editor's Review


  • 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


  • 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


  • The miles earned can be used or redeemed on Citi Bank's Partnered Airlines
  • On every Rs.100 spent on airline transactions on www.premiermiles.co.in earn 10 miles
  • Save up to 20% across all Citibank's partnered restaurants


  • No Annual Fee Waiver
  • High-interest rates

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