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HDFC Bank Millennia Credit Card VS RBL Bank Apex 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 Millennia Credit Card and RBL Bank Apex Credit Card suit shopping-focused spenders, but they earn and cost differently. HDFC Bank Millennia Credit Card costs ₹1,000 + GST and earns 5% cashback on select online merchants & 1% on other eligible online/offline spends. RBL Bank Apex Credit Card costs ₹1,000 + GST and earns unlimited 2% cashback on travel/shopping via RBL portal; 1% on other spends (capped at ₹500/month). HDFC Bank Millennia Credit Card also brings complimentary airport lounge access voucher upon achieving quarterly spend milestones, while RBL Bank Apex Credit Card counters with 1 complimentary domestic lounge visit per quarter on spending ₹35,000 in the prior quarter. If shopping spending matters more, go with HDFC Bank Millennia Credit Card; if travel is the priority, RBL Bank Apex Credit Card fits better.

HDFC Bank Millennia Credit Card
HDFC Bank Millennia Credit Card
RBL Bank Apex Credit Card
RBL Bank Apex Credit Card

Fees & Charges

Joining Fee₹1,000 + GST
Joining Fee₹1,000 + GST
Renewal Fee₹1,000 + GST
Renewal Fee₹1,000 + GST
Spend Based WaiverRenewal fee waived on spending ₹1,00,000 or more in the preceding 12 months.
Spend Based Waiver
Foreign Transaction Fees3.5% + GST on international spends.
Foreign Transaction Fees
Interest Rate (APR)3.75% per month (45% annually).
Interest Rate (APR)

Rewards & Benefits

Welcome BonusReceive 1,000 bonus CashPoints upon successful realization of the joining fee.
Welcome BonusWelcome Vouchers worth over INR 1,700 on first transaction and membership fee payment.
Rewards RateEarn 5% cashback on select online merchants & 1% on other eligible online/offline spends.
Rewards RateEarn unlimited 2% cashback on travel/shopping via RBL portal; 1% on other spends (capped at ₹500/month).
Reward TypeCashback
Reward TypeCashback
Reward Redemption Fee₹50 + GST for cash redemption, ₹99 + GST for other requests (effective Aug 2024).
Reward Redemption FeeINR 99 + GST per cashback redemption.

Travel & Lifestyle

Domestic Lounge AccessComplimentary airport lounge access voucher upon achieving quarterly spend milestones.
Domestic Lounge Access1 complimentary domestic lounge visit per quarter on spending ₹35,000 in the prior quarter.
International Lounge AccessNot Applicable
International Lounge Access
Travel BenefitsRedeem CashPoints for up to 50% of flight & hotel bookings via SmartBuy Rewards Portal.
Travel BenefitsEnjoy 2% cashback on flights & hotels via RBL portal and complimentary domestic lounge access.
Movie Benefits5% cashback on BookMyShow and Sony LIV, capped at 1,000 CashPoints per cycle.
Movie BenefitsBuy 1 Get 1 Free movie ticket on BookMyShow monthly, capped at INR 100.
Dining Benefits10% additional discount on Swiggy Dineout, flat ₹200 off (min ₹2000), twice monthly.
Dining Benefits
Golf BenefitsNot Applicable
Golf Benefits
Fuel Surcharge Waiver1% waiver for transactions ₹400-₹5,000, max ₹250 per statement cycle.
Fuel Surcharge Waiver

Security & Other

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

HDFC Bank Millennia Credit Card

RBL Bank Apex 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 RBL Bank Apex Credit Card is a mid-range offering designed for transparent and seamless cashback. It provides up to 2% unlimited cashback on specific RBL portal categories and 1% on others, alongside welcome vouchers worth over ₹1,700. Cardholders also enjoy up to ₹3,000 in annual milestone cashback, complimentary domestic lounge access, and a monthly 'Buy 1 Get 1 Free' movie offer, making it ideal for everyday spending and entertainment.

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.

Enjoy unlimited 2% cashback on travel and shopping via the RBL Bank Rewards Portal.

Earn significant milestone benefits, receiving up to ₹3,000 cashback annually.

Benefit from complimentary domestic airport lounge access each quarter.

Get a "Buy 1 Get 1 Free" movie ticket offer on BookMyShow every month.

Receive valuable welcome vouchers worth over ₹1,700 upon card activation.

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.

An annual membership fee of ₹1,000 is applicable, adding to the cost.

A redemption fee of ₹99 + GST applies when redeeming your earned cashback.

The 1% cashback on general spends is capped at ₹500 per billing month.

Domestic lounge access is conditional on a minimum spend of ₹35,000 quarterly.

Many categories like Fuel, Utilities, and Insurance are excluded from all benefits.

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 RBL Bank Apex Credit Card(opens in new tab)