Check below for a comparison between the HDFC Millennia vs Moneyback credit card or HDFC Moneyback credit card vs HDFC Millennia credit card and find which is better –
In the dynamic landscape of HDFC Bank credit cards, the comparison between the HDFC Millennia Credit Card and the HDFC Moneyback Credit Card emerges as a crucial decision for individuals seeking tailored financial advantages.
The HDFC Millennia Credit Card is meticulously crafted for the modern lifestyle, offering specialized benefits such as cashback on online shopping, travel expenses, and utility bills.
In contrast, the HDFC Moneyback Credit Card is celebrated for its simplicity, providing cashback rewards on everyday expenditures, making it an ideal choice for those who value straightforward savings.
This comprehensive analysis navigates through the distinctive features of each card, empowering users to make an informed decision based on their specific spending patterns, preferences, and lifestyle choices.
Whether you seek versatile cashback rewards or desire straightforward savings on routine transactions, understanding the nuanced attributes of these HDFC credit cards will guide you towards the one that seamlessly aligns with your financial goals and individual aspirations.
Table of Contents
Overview of HDFC Millennia credit card
The HDFC Bank Millennia Credit Card is designed to be a cashback credit card with numerous advantages.
When you make use of the Millennia credit card, you stand to gain a 5% cashback on various online expenditures, including Flipkart, Amazon, BookMyShow, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, Zomato, and more.
The cashback, converted into CashPoints, offers adaptability by allowing adjustments to the card’s statement balance, flight/hotel bookings, or purchases from HDFC’s product catalogue.
Quarterly spending milestones unlock appealing gift vouchers, accompanied by dining discounts of up to 20% and a fuel surcharge waiver.
Welcome benefits, a renewal fee waiver, and complimentary lounge visits at domestic airports in India enhance the overall cardholder experience.
Overview of HDFC Moneyback credit card
As a welcome and renewal benefit, you are entitled to 500 Cash points every year upon payment of the joining or renewal fee.
Additionally, the renewal fee can be waived based on your annual spending. This card rewards you with 4 Reward Points for every Rs. 150 spent online and 2 Reward Points for every Rs. 150 spent on other categories.
Redeem these points for cashback, SmartBuy flight/hotel bookings, and an assortment of products/vouchers. Moreover, quarterly spending can earn you gift vouchers every quarter.
HDFC Millennia vs Moneyback credit card
| Features/Charges | HDFC Millennia Credit Card | HDFC Moneyback Credit Card |
|---|---|---|
| Joining Fees | Rs.1,000 + tax | Rs. 500 + Taxes |
| Annual Fees | Rs. 1,000 + tax | Rs. 500 + Taxes |
| Welcome Benefits | Uncover the perks that accompany an accumulation of 1,000 CashPoints. | The membership fee payment includes a welcome perk of 500 Cash Points. |
| Cashback / Rewards point | Get a 5% cashback reward for your online spending, featuring popular platforms like Flipkart, Amazon, BookMyShow, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, Zomato, and more. | Acquire 4 Reward Points for every Rs 150 spent online and 2 Reward Points for each other transaction. |
| Dining benefits | Enjoy a 20% savings on dining at premium restaurants across different cities through the Good Food Trail Dining program. | Receive discounts of up to 20% on your restaurant bills with the assistance of Swiggy Dineout. |
| Travel benefits | Enjoy up to eight free visits to domestic lounges annually, with a cap of two visits per quarter. | N/A |
| Annual fees waiver | Receive an annual fee waiver by achieving 1 Lakh in spending, effectively covering your renewed Joining Fees with this card. | If you spend Rs. 50,000 or above in the previous year, the annual fee is rendered void. |
| Fuel surcharge waiver | Avail a 1% fuel surcharge waiver when your transactions are within the Rs. 400 to Rs. 5,000 bracket. | Every fuel transaction enjoys a waiver of the 1% fuel surcharge. |
