HDFC Bank Millennia Credit Card VS HDFC Bank Flipkart Wholesale Credit Card VS HDFC Bank Pine Labs Pro Credit Card VS HDFC Bank Pixel Go Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
HDFC Bank Millennia Credit Card
HDFC Bank Flipkart Wholesale Credit Card
HDFC Bank Pine Labs Pro Credit Card
HDFC Bank Pixel Go Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
High 5% cashback on popular partner merchants including Myntra, Amazon.
Renewal fee waiver on spending ₹1 Lakh in the card anniversary year.
Provides substantial savings for digital-savvy consumers on daily spends.
Pros
Key benefits and features.
High 5% cashback on Flipkart Wholesale, utility, and government payments.
Unlimited domestic airport lounge access enhances travel for business users.
Zero liability protection offers security against unauthorized fraudulent transactions.
Enjoy up to 50 days of interest-free credit, providing significant financial flexibility.
No joining fee and a renewal fee easily waived with ₹3 lakh annual spend.
Pros
Key benefits and features.
Strong rewards on e-commerce and POS transactions for everyday spending.
Significant cashback benefits on essential business utility and tax payments.
Valuable personal accident insurance cover up to ₹30 Lakh for cardholders.
Complimentary domestic airport lounge access enhances travel convenience.
Attractive milestone benefits reward high annual spending with bonus points.
Pros
Key benefits and features.
Seamless digital onboarding and management through the PayZapp application.
Reasonable joining and renewal fees (₹250 + GST) with easy waiver conditions.
Enjoy unlimited 1% cashback on eligible transactions, with 5% on Smartbuy and 1% on UPI.
Benefit from attractive dining discounts via Swiggy Dineout, offering significant savings.
Flexibility to convert outstanding balance or select transactions into low-cost EMIs.
Cons
Key drawbacks and limitations.
Earns a lower 1% cashback on offline/online spends at non-partner merchants.
Accelerated 5% cashback is capped at 1,000 CashPoints per statement cycle.
A minimum of 500 CashPoints are required to redeem against statement balance.
Cons
Key drawbacks and limitations.
Cashback benefits are subject to monthly caps, limiting savings for high spenders.
Additional fees apply to rent, education, and high-value fuel transactions.
A 3.5% foreign currency markup is relatively high for international transactions.
Strict eligibility criteria for self-employed with minimum ₹6 lakh ITR.
Cons
Key drawbacks and limitations.
Card sourcing has ceased for new customers, limiting its accessibility.
Reward point redemption values vary significantly across different categories.
Specific caps on reward point accrual for grocery spends and redemption limits.
A 1% fee is applicable on rental transactions from the second transaction monthly.
International DCC transactions incur a 1% markup, increasing foreign spend costs.
Cons
Key drawbacks and limitations.
Primary cashback rate of 1% is moderate, potentially lower than specialized cards.
Cashback is excluded for specific categories like fuel, wallet, rent, and government spends.
Lacks premium benefits such as airport lounge access, golf privileges, or comprehensive insurance.