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HDFC Bank Millennia Credit Card VS Tata Neu Plus HDFC Bank 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: 18 July 2026

Both Tata Neu Plus HDFC Bank Credit Card and HDFC Bank Millennia Credit Card suit shopping-focused spenders, but they earn and cost differently. Tata Neu Plus HDFC Bank Credit Card costs ₹499 + GST and earns 7% NeuCoins on Tata Neu app/website, 2% on Tata-partnered brands, 1% on Non-Tata brands. HDFC Bank Millennia Credit Card costs ₹1,000 + GST and earns 5% cashback on select online merchants & 1% on other eligible online/offline spends. Tata Neu Plus HDFC Bank Credit Card also brings 4 complimentary visits per calendar year (1 per quarter), based on ₹50,000 quarterly spend, while HDFC Bank Millennia Credit Card counters with complimentary airport lounge access voucher upon achieving quarterly spend milestones. If travel spending matters more, go with Tata Neu Plus HDFC Bank Credit Card; if dining is the priority, HDFC Bank Millennia Credit Card fits better.

HDFC Bank Millennia Credit Card
HDFC Bank Millennia Credit Card
Tata Neu Plus HDFC Bank Credit Card
Tata Neu Plus HDFC Bank Credit Card

Fees & Charges

Joining Fee₹1,000 + GST
Joining Fee₹499 + GST
Renewal Fee₹1,000 + GST
Renewal Fee₹499 + GST
Spend Based WaiverRenewal fee waived on spending ₹1,00,000 or more in the preceding 12 months.
Spend Based WaiverRenewal fee waived on spending ₹1,00,000 or more in an anniversary year.
Foreign Transaction Fees3.5% + GST on international spends.
Foreign Transaction Fees3.5%
Interest Rate (APR)3.75% per month (45% annually).
Interest Rate (APR)3.75% per month (45% annually)

Rewards & Benefits

Welcome BonusReceive 1,000 bonus CashPoints upon successful realization of the joining fee.
Welcome Bonus499 NeuCoins on making a transaction within 30 days of card issuance.
Rewards RateEarn 5% cashback on select online merchants & 1% on other eligible online/offline spends.
Rewards Rate7% NeuCoins on Tata Neu app/website, 2% on Tata-partnered brands, 1% on Non-Tata brands.
Reward TypeCashback
Reward TypeReward Points
Reward Redemption Fee₹50 + GST for cash redemption, ₹99 + GST for other requests (effective Aug 2024).
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge AccessComplimentary airport lounge access voucher upon achieving quarterly spend milestones.
Domestic Lounge Access4 complimentary visits per calendar year (1 per quarter), based on ₹50,000 quarterly spend.
International Lounge AccessNot Applicable
International Lounge Access
Travel BenefitsRedeem CashPoints for up to 50% of flight & hotel bookings via SmartBuy Rewards Portal.
Travel BenefitsFour complimentary domestic airport lounge visits per year, based on quarterly spend.
Movie Benefits5% cashback on BookMyShow and Sony LIV, capped at 1,000 CashPoints per cycle.
Movie Benefits
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 Waiver1% waiver on transactions ₹400-₹5,000, capped at ₹250 per statement cycle.

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 Charges2.5% of amount withdrawn or ₹500, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Bank Millennia Credit Card

Tata Neu Plus HDFC Bank 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 Tata Neu Plus HDFC Bank Credit Card is a co-branded offering designed for individuals loyal to both Tata Brands and HDFC Bank. It provides significant NeuCoins on spending with Tata and non-Tata brands, a welcome bonus, and complimentary domestic airport lounge access. Positioned as a mid-range shopping card, it offers exclusive benefits for frequent shoppers within the Tata ecosystem and beyond. This card is highly recommended for HDFC bank account holders who frequently shop on Tata brands and travel domestically.

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 499 NeuCoins as a welcome benefit upon making a transaction within the first 30 days of card issuance.

Renewal fees can be waived by spending ₹1,00,000 in a calendar year.

Significant savings on purchases from Tata Brands like Tanishq and cult.fit.

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.

No international lounge access, which is a drawback for international travelers.

The card does not offer any specific movie or dining benefits, limiting entertainment savings.

NeuCoins earned with this card have a limited validity period of 365 days.

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.
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