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HDFC MoneyBack+ vs HDFC Millennia

Compare HDFC MoneyBack+ 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 HDFC MoneyBack+ has the lowest annual fee.

Card 1

HDFC MoneyBack+

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.4.4

Card 2

HDFC Millennia

Monthly spenders who want visible cashback without chasing complex reward conversions.9.8
HDFC MoneyBack+ - HDFC credit card
Balanced value4.4

hdfc / VISA

HDFC MoneyBack+

Annual

₹500

Return

2%

Lounges

2

Forex

3.5%

Card summary
  • HDFC MoneyBack+ leans reward-led with ₹500 annual fee, 2% headline return potential, and 2 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹500 annual fee.
  • 2% cashback keeps value easy to understand.
  • 2 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

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
HDFC MoneyBack+
HDFC Millennia
Fees
Annual fee
₹500
₹1,000
Joining fee
₹500
₹1,000
Rewards
Cashback rate
2%
5%
Reward rate
2%
4%
Travel
Forex markup
3.5%
3.5%
Domestic lounges
2
4
International lounges
0
0
Benefits
Fuel waiver
Yes
Yes
Dining
Yes
Yes
Movies
Yes
Yes
Eligibility
Minimum income
₹2,50,000
₹6,00,000

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