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faayda.com › compare › HDFC MoneyBack+ vs HDFC Millennia
Comparison · हिन्दी

HDFC MoneyBack+ vs HDFC Millennia

Both cards compared on real rupee returns for online shopping and entry-level cashback. We ran the numbers so you can make the right call.

Last updated: August 2026 · Based on current card terms
HDFC
MONEYBACK+
ASHOK KUMAR
VS
HDFC
MILLENNIA
ASHOK KUMAR
Our verdict
HDFC MoneyBack+ Credit Card wins for most people
Card A wins with ₹2,800 annual benefit versus Card B's ₹1,400. Its higher rewards on your shopping and grocery categories, combined with easier fee waiver at ₹50,000 spend, make it the clear winner for your profile.
Side-by-side comparison
HDFC MoneyBack+ Credit Card ✓ HDFC Millennia Credit Card
Annual benefit ₹2,800 ₹1,400
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹500 + taxes (waived on ₹50,000/year spend) ₹1,000 + taxes (waived on ₹1L spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 10X CashPoints (2.5%) on Amazon, Flipkart, Swiggy, BigBasket, Reliance Smart; 1% on others 2.5% cashback on online shopping, 1% on other spends: the advertised 5% rate is only available via HDFC's own PayZapp/SmartBuy portal specifically, not general shopping
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → None 8 visits/year (domestic)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 2.5% 3.5%
Best for Online shopping and food delivery on a budget Everyday online shopping with a modest, capped cashback
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹20,000/month (salaried) ₹3.5L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 700+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
HDFC MoneyBack+ Credit Card
Choose Card A when you shop primarily on Amazon, Flipkart, BigBasket, or use Swiggy frequently. The 2.5% cashback on these platforms aligns perfectly with your ₹6,000 monthly shopping and ₹3,000 grocery spend.
HDFC Millennia Credit Card
Card B suits you only if you exclusively use HDFC's PayZapp portal for shopping and want premium benefits beyond cashback. Otherwise, it doesn't match your spending pattern or reward structure needs.
Who should get which card
Get HDFC MoneyBack+ if you…
· 10X rewards on Amazon, Flipkart, BigBasket align with your online shopping habits
· Fee waiver at ₹50,000/year spend—easily achievable with your ₹11,000 monthly spend
· ₹1,400 higher annual benefit makes a tangible difference over 12 months
Get HDFC Millennia if you…
· Only if you exclusively shop via HDFC's SmartBuy portal for 5% cashback
· Better for non-digital spenders, which doesn't match your profile
Partner offer
Axis Bank Select Credit Card
Higher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spends
Apply now →
AXIS
ASHOK KUMAR

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Related guides
HDFC MoneyBack+ vs YES Essence →HDFC Millennia vs Axis ACE →HDFC Millennia vs SBI Cashback →HDFC Millennia vs HDFC Regalia Gold →Best Dining Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Swiggy and Zomato →
Frequently asked questions
Based on our analysis, HDFC MoneyBack+ Credit Card offers better annual returns for most spend profiles.
HDFC MoneyBack+ Credit Card has an annual fee of ₹500 + taxes (waived on ₹50,000/year spend). HDFC Millennia Credit Card has an annual fee of ₹1,000 + taxes (waived on ₹1L spend).
HDFC MoneyBack+ Credit Card offers 10X CashPoints (2.5%) on Amazon, Flipkart, Swiggy, BigBasket, Reliance Smart; 1% on others. HDFC Millennia Credit Card offers 2.5% cashback on online shopping, 1% on other spends: the advertised 5% rate is only available via HDFC's own PayZapp/SmartBuy portal specifically, not general shopping.
HDFC MoneyBack+ Credit Card lounge access: None. HDFC Millennia Credit Card lounge access: 8 visits/year (domestic).
HDFC MoneyBack+ Credit Card charges 2.5% forex markup. HDFC Millennia Credit Card charges 3.5% forex markup.