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HDFC Bank Millennia Credit Card VS HDFC Bank MoneyBack Plus Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 30 June 2026

Both HDFC Bank MoneyBack Plus Credit Card and HDFC Bank Millennia Credit Card suit shopping-focused spenders, but they earn and cost differently. HDFC Bank MoneyBack Plus Credit Card costs ₹500 + GST and earns 10X CashPoints on Amazon, Flipkart, Swiggy; 2 CashPoints/₹150 on other retail spends. HDFC Bank Millennia Credit Card costs ₹1,000 + GST and earns 5% cashback on select online merchants & 1% on other eligible online/offline spends. HDFC Bank MoneyBack Plus Credit Card also brings receive 500 CashPoints as welcome gift upon fee payment, and 500 CashPoints on annual renewal, while HDFC Bank Millennia Credit Card counters with complimentary airport lounge access voucher upon achieving quarterly spend milestones. Weigh the fee against the reward rate above to see which fits your spending pattern better.

HDFC Bank Millennia Credit Card
HDFC Bank Millennia Credit Card
HDFC Bank MoneyBack Plus Credit Card
HDFC Bank MoneyBack Plus Credit Card

Fees & Charges

Joining Fee₹1,000 + GST
Joining Fee₹500 + GST
Renewal Fee₹1,000 + GST
Renewal Fee₹500 + GST
Spend Based WaiverRenewal fee waived on spending ₹1,00,000 or more in the preceding 12 months.
Spend Based WaiverAnnual renewal fee waived off by spending ₹50,000 or more in an annual year.
Foreign Transaction Fees3.5% + GST on international spends.
Foreign Transaction Fees3.5% markup on international spends.
Interest Rate (APR)3.75% per month (45% annually).
Interest Rate (APR)3.75% Per Month (45% Annually) on revolving credit.

Rewards & Benefits

Welcome BonusReceive 1,000 bonus CashPoints upon successful realization of the joining fee.
Welcome BonusReceive 500 CashPoints as welcome gift upon fee payment, and 500 CashPoints on annual renewal.
Rewards RateEarn 5% cashback on select online merchants & 1% on other eligible online/offline spends.
Rewards RateEarn 10X CashPoints on Amazon, Flipkart, Swiggy; 2 CashPoints/₹150 on other retail spends.
Reward TypeCashback
Reward TypeReward Points
Reward Redemption Fee₹50 + GST for cash redemption, ₹99 + GST for other requests (effective Aug 2024).
Reward Redemption Fee₹99 + GST applies for CashPoints redemption.

Travel & Lifestyle

Domestic Lounge AccessComplimentary airport lounge access voucher upon achieving quarterly spend milestones.
Domestic Lounge AccessNot Applicable
International Lounge AccessNot Applicable
International Lounge AccessNot Applicable
Travel BenefitsRedeem CashPoints for up to 50% of flight & hotel bookings via SmartBuy Rewards Portal.
Travel BenefitsRedeem CashPoints for flight & hotel bookings via SmartBuy, covering up to 50% of booking value.
Movie Benefits5% cashback on BookMyShow and Sony LIV, capped at 1,000 CashPoints per cycle.
Movie BenefitsNot Applicable
Dining Benefits10% additional discount on Swiggy Dineout, flat ₹200 off (min ₹2000), twice monthly.
Dining Benefits10% discount & up to ₹200 off on dining at over 2,000 premium restaurants via Swiggy Dineout.
Golf BenefitsNot Applicable
Golf BenefitsNot Applicable
Fuel Surcharge Waiver1% waiver for transactions ₹400-₹5,000, max ₹250 per statement cycle.
Fuel Surcharge Waiver1% fuel surcharge waiver on ₹400-₹5,000 transactions, capped at ₹250/month.

Security & Other

Insurance BenefitsZero liability on fraudulent transactions if lost card is reported immediately.
Insurance BenefitsZero Lost Card Liability ensures protection against fraudulent transactions if reported immediately.
Cash Advance Charges2.5% of transaction amount, minimum fee of ₹500.
Cash Advance Charges2.5% of withdrawn amount, minimum ₹500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Bank Millennia Credit Card

HDFC Bank MoneyBack Plus Credit Card

Who is it for?

The HDFC Bank Millennia Credit Card is an entry-level cashback card primarily designed for young professionals and millennials. It offers a significant 5% cashback on popular online merchants and 1% on other eligible spends. Users can enjoy attractive gift vouchers for achieving quarterly spend milestones and a renewal fee waiver based on annual spending. This card is positioned to help users save on lifestyle expenses and build a strong credit profile through versatile reward redemptions.

Who is it for?

The HDFC Bank MoneyBack Plus Credit Card offers an enhanced reward rate with a moderate ₹500 fee. Cardholders earn up to 10X CashPoints on partner brands like Amazon and Flipkart, with flexible redemption options including statement adjustments and travel. Additional benefits include annual gift vouchers up to ₹2,000, dining discounts, and fuel surcharge waivers, making it ideal for maximizing daily expenses.

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.

Offers an impressive reward rate of up to 3.33% on partner brands.

Flexible CashPoints redemption options, including statement adjustment and travel.

Earn valuable quarterly gift vouchers worth up to ₹2,000 annually based on spend.

Annual fee waiver achievable with a reasonable annual spending threshold.

Provides attractive dining benefits with Swiggy Dineout for food enthusiasts.

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.

CashPoints earning is capped at 2,500 points per month on accelerated categories.

A rewards redemption fee of ₹99 + GST is charged for point redemptions.

High foreign currency markup of 3.5% makes international spends less ideal.

High interest rate of 45% annually on revolving credit if not paid fully.

Numerous exclusions exist for CashPoint earning, including fuel and wallet loads.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for HDFC Bank Millennia Credit Card(opens in new tab)Apply for HDFC Bank MoneyBack Plus Credit Card(opens in new tab)