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HDFC Millennia Credit Card vs PVR Kotak Gold Credit Card

Joining Fees

₹1,000

₹499

Editor's Rating

4

4.2

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
  • Obtain 15% Cash-back on Food and Beverages at PVR
  • Obtain 5% Cash-back on Movie tickets at PVR Box Office
  • No Joining Fee for the first year
  • Insurance Cover for Lost or Stolen Cards: PVR Gold Amount Insured per year Rs. 50,000

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

  • Avail 1 free PVR ticket every month on spends of Rs. 10,000 ( each ticket up to Rs.400)
  • Avail 2 free PVR tickets every month on spends of Rs. 15,000

Cons

  • No complimentary Golf lessons/green 
  • No complimentary Airport Lounge access


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