HDFC Millennia Credit Card vs Paytm HDFC Bank Digital Credit Card

• 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 including EMI & Wallet transactions, except Fuel
• 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

• First Year Fee will get waived off on retail spends of Rs. 1,500/1,000 in the first month
• In a calendar year, Renewal Year Fee will get waived off on retail spends of Rs. 25,000
• Avail 2% accelerated cashback on using the Scan & Pay feature on Paytm App - Select Merchants only
• Get 2% cashback on key accelerated categories - Swiggy and Uber
• Avail 1% cashback on all other Retail Spends including Paytm spends
• Utility Bill Payments: By registering the Credit Card with SmartPay, HDFC Bank's Utility Bill payment service, you can be ensured that all your utility bills will be paid on time easily and conveniently
• If your card is lost, by reporting it immediately to the bank's 24-hour call centre, you will have zero liability for any fraudulent transactions made on your card
• Get 1% fuel surcharge waived off on fuel transactions between Rs. 400 and  Rs. 5,000.
• Obtain up to 50 days of interest free credit 
• Enjoy No Cost & Low cost EMI options on your credit card

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

Pros

• Welcome Benefits
• Avail 2% accelerated cashback on using the Scan & Pay feature on Paytm App - Select Merchants only
• Get 2% cashback on key accelerated categories - Swiggy and Uber

Cons

• No golf benefits
• No discount on partner restaurants through Dineout
• No airport lounge access