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HDFC Millennia Credit Card vs HDFC Moneyback Credit Card

Joining Fees

₹1,000

₹500

Editor's Rating

4

3.3

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
  • You’ll receive Welcome Benefit of 500 Cash Points that’s applicable only on the payment of the membership fee
  • In the first 90 days, spend Rs. 20000 or above and get first-year membership fee waived off
  • Accumulate and redeem reward points for cash-back against outstanding amount on your Credit Card (100 points = Rs. 20)
  • In the first year, spend Rs. 50,000 or above and get renewal membership fee waived off
  • Earn 2 Reward Points on every Rs 150 spent
  • Every quarter receive a gift voucher worth Rs. 500 on spends of Rs 50,000. Get up to Rs. 2,000 worth of gift vouchers in a year
  • While doing online shopping, earn 4 reward points for every Rs 150 you spend online with the card. (With effect from 15th July 2020, customers can get up to 500 Reward Points per statement cycle for the online spends, under the 2X RP feature.)
  • Spend Rs 50,000 in a Quarter and avail Rs 500 worth E-Voucher
  • Renew membership for free by just spending Rs. 50,000 in a year before the renewal date
  • 1% fuel surcharge waiver at any fuel stations in India, on minimum transaction Rs. 400 and Max CashBack of Rs. 250 per statement cycle
  • If your HDFC Moneyback Credit Card gets lost, report immediately and avail zero liability on any fraudulent transactions made on the Credit Card

 

Rewards Rate:

  • Reward Points accumulated can be redeemed against statement balance at the rate 1 RP = Rs. 0.20
  • Reward Points can even be used to redeem against travel benefits such as Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal: 1 CashPoint = Rs. 0.25

Editor's Review

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

  • Zero liability on the lost card if reported immediately
  • With the EMV Chip technology presented in the card, stay protected against fraud
  • Avail up to 50 days of the interest-free period from the date of purchase, and enjoy Revolving Credit at a nominal interest rate

Cons

  • The Reward points are only valid for 2 years
  • No complimentary Airport Lounge Access
  • High-interest rate of 3.49%


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