Check below for a comparison between HDFC Easy EMI vs Millennia Credit Card or HDFC Millennia Credit Card vs HDFC Easy EMI and find which is better –
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Overview of HDFC Easy EMI Credit Card
HDFC Bank’s Easy EMI credit card brings customers appealing CashBack deals and hassle-free EMI conversions for eligible buys.
With a joining fee of Rs. 500, the card offers attractive introductory rewards, such as 500 CashPoints and gift vouchers worth Rs. 1,000.
Users benefit from a 5% cashback on Payzapp & Smartbuy shopping, a 2.5% cashback on online purchases, and a 1% cashback on all offline transactions.
Overview of HDFC Millennia Credit Card
The HDFC Bank Millennia Credit Card stands out as a cashback credit card offering numerous advantages.
By using the Millennia credit card, you have the opportunity to receive a 5% cashback on various online expenditures, including but not limited to Flipkart, Amazon, BookMyShow, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, Zomato, and more.
CashPoints, the cashback format, can be utilized to offset the card’s statement balance, make flight/hotel reservations, or acquire items from HDFC’s product catalogue.
Additionally, the card provides enticing gift vouchers upon reaching quarterly spending milestones, along with dining discounts of up to 20% and a waiver on fuel surcharges.
Welcome benefits and a renewal fee waiver are included, and cardholders also enjoy complimentary lounge access at domestic airports in India.
HDFC Easy EMI vs Millennia Credit Card
| Features/Charges | HDFC Easy EMI Credit Card | HDFC Millennia Credit Card |
|---|---|---|
| Joining Fees | Spending Rs. 20,000 or above within the initial 90 days of card issuance eliminates the Rs. 500 joining fee. | Rs. 1,000 + tax |
| Annual Fees | Rs. 500 | Rs. 1,000 + tax |
| Welcome Benefits | As part of the welcome offer, you’ll be awarded 500 CashPoints. | Enjoy the advantages of acquiring 1,000 CashPoints. |
| Cashback / Rewards point | Get a 2.5% cashback for each online purchase and a 1% cashback for every offline transaction. | Gain a 5% cashback on your online purchases, including sites like Flipkart, Amazon, BookMyShow, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, Zomato, and more. |
| Dining benefits | N/A | Access a 20% discount at upscale restaurants in various cities with the Good Food Trail Dining initiative. |
| Travel benefits | N/A | You receive eight free entries to domestic lounges every calendar year (with a limit of two per quarter). |
| Annual fees waiver | Spending Rs. 50,000 or above in the prior year qualifies you for a waiver of the annual fee. | Qualify for an annual fee waiver upon reaching 1 Lakh in expenditures, effectively covering your renewed Joining Fees with this card. |
| Fuel surcharge waiver | All fuel transactions enjoy a waiver of the 1% fuel surcharge | Enjoy a 1% exemption from fuel surcharge on transactions ranging from Rs. 400 to Rs. 5,000 |
Easy EMI Credit Card Rewards & Redemption
Gain a 5% cashback on shopping at Amazon, Flipkart, and for hotel/flight bookings when utilizing PayZapp or Smartbuy, provided the transaction is a minimum of Rs. 2,000.
Avail a maximum cashback of Rs. 1,000 per month during the initial 6 months post-card issuance, and a maximum benefit of Rs. 750 thereafter. For online purchases over Rs. 2,000, receive a 2.5% cashback, capped at Rs. 750 per calendar month.
Likewise, get a 1% cashback on all offline expenditures exceeding Rs. 100, with a maximum benefit of Rs. 750 per calendar month.
Auto-convert transactions of Rs. 10,000 or more into a 9-month Easy EMI plan, excluding fuel, gold, or jewelry purchases. Cashpoints acquired remain valid for one year from the date of accumulation.
With this card, you can earn cashback as CashPoints, and these can be redeemed at a favorable rate of 1 CashPoint = Re. 1 against your statement balance.
Beyond statement redemption, these CashPoints offer versatility with different rates for various purposes. Additionally, depending on your spending habits, you have the option to waive off your joining and renewal fees.
