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AU Nouveau vs HDFC Millennia

Compare AU Nouveau vs HDFC Millennia across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

HDFC Millennia leads on reward rate, while AU Nouveau has the lowest annual fee.

Card 1

AU Nouveau

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.3.6

Card 2

HDFC Millennia

Monthly spenders who want visible cashback without chasing complex reward conversions.9.8
AU Nouveau - AU credit card
Balanced value3.6

au / VISA

AU Nouveau

Annual

₹999

Return

2.5%

Lounges

2

Forex

3.49%

Card summary
  • AU Nouveau leans reward-led with ₹999 annual fee, 2.5% headline return potential, and 2 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹999 annual fee.
  • 2.5% reward rate can outperform flat cashback for loyal users.
  • 2 lounge access adds travel utility.
Cons
  • 3.49% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel benefits are limited compared with premium cards.
Best for

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
HDFC Millennia
Balanced value9.8

hdfc / VISA

HDFC Millennia

Annual

₹1,000

Return

5%

Lounges

4

Forex

3.5%

Card summary
  • HDFC Millennia leans cashback-first with ₹1,000 annual fee, 5% headline return potential, and 4 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹1,000 annual fee.
  • 5% cashback keeps value easy to understand.
  • 4 lounge access adds travel utility.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel benefits are limited compared with premium cards.
Best for

Monthly spenders who want visible cashback without chasing complex reward conversions.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
Metric
AU Nouveau
HDFC Millennia
Fees
Annual fee
₹999
₹1,000
Joining fee
₹999
₹1,000
Rewards
Cashback rate
0.75%
5%
Reward rate
2.5%
4%
Travel
Forex markup
3.49%
3.5%
Domestic lounges
2
4
International lounges
0
0
Benefits
Fuel waiver
Yes
Yes
Dining
Yes
Yes
Movies
Yes
Yes
Eligibility
Minimum income
₹3,50,000
₹6,00,000

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