RBL Bank vCard vs HDFC Millennia Credit Card

* Make merchant payments and manage the Credit Card through vCard Mobile App, which has the following benefits: Make merchant payments while you’re on the go and gain rewards for all your spends
* Instantly, transfer funds in your own account via vCard App
* From the vCard App, conveniently convert card spends into EMIs
* Avail 1 Reward point on every Rs. 100 spent and redeem the points for products you desire at www.rblrewards.com
* Once a month for Wednesday shows, avail 1+1 free movie ticket, up to Rs. 200, on BookMyShow
* Earn 10% value back on spends at Pizza Hut online & Domino’s online on Wednesday only
* Earn 5% value back on groceries spends, applicable only on Wednesday
* Maximum 1,000 bonus Reward Points each for Groceries and Pizza spendings in a billing cycle
* Milestone Benefit: Earn 4,000 bonus reward points on crossing spends of Rs. 1.2 lakh in a year. The reward points are redeemable for vouchers worth Rs. 1,000
* Avail fuel surcharge waiver of Rs. 100 per month for fuel transactions between Rs. 500 - Rs. 4,000

• 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
• 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

Pros
* Make merchant payments while you’re on the go and avail rewards points for all your spends
* 10% value back on spends at Pizza Hut online & Domino’s
* 1+1 free movie ticket

Cons
* No golf privileges
* No airmiles
* No airport lounges benefits

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