HDFC Platinum Times Credit Card vs HDFC Millennia Credit Card

• HDFC Bank Times Platinum Credit Card is enabled for contactless payments
• Fuel Surcharge Waiver
• Zero liability on the lost card
• Get up to 50 days interest-free from the date of purchase (subject to the submission of the charge by the Merchant)
• The Reward points are valid for 2 years from the date of accumulation
• You can register the Platinum Credit Card with SmartPay, HDFC Bank's Utility Bill payment service. With this service you’re ensured that all the utility bills are paid on time, conveniently and easily

• 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

Pros

• 25% off on movies and up to 20% off on dining participating restaurants
• Live GPS location-based offers 365 days on Times Card WebApp
• 3 Reward Points for every Rs. 150 spent; 10 Reward Points for Rs. 150 spent on weekday dining

Cons

• No complimentary Airport Lounge access  
• No Golf Privileges 

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