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faayda.com › compare › Kotak Mojo Platinum vs HDFC Millennia
Comparison · हिन्दी

Kotak Mojo Platinum vs HDFC Millennia

Both cards compared on real rupee returns for best online lifestyle credit card India Kotak vs HDFC. We ran the numbers so you can make the right call.

Updated · Terms checked by Prashant Parikh
KOTAK MAHI
MAHINDRA MOJO
ASHOK KUMAR
VS
HDFC
MILLENNIA
ASHOK KUMAR
Our verdict
HDFC Millennia Credit Card wins for most people
HDFC Millennia dominates with ₹5,600 annual benefit versus Kotak Mojo Platinum's ₹796, delivering 7x better value for this spend profile through superior cashback on major online and food platforms.
Side-by-side comparison
Kotak Mahindra Mojo Platinum Credit Card HDFC Millennia Credit Card ✓
Annual benefit ₹796 ₹5,600
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹1,000 + taxes (waived on ₹1,00,000/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 → 7.5 Mojo Points per ₹150 on online retail (1.25%); 5 Mojo Points per ₹150 on offline retail (0.83%); Mojo rewards for OTT and dining 5% cashback on Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV and Cult.fit, up to ₹1,000 a month; 1% on other spends, up to ₹1,000 a month; no cashback on fuel, rent, wallets, EMIs or government payments. 1 CashPoint = ₹1 against the statement
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 2 domestic visits/quarter (8/year, on ₹35,000/quarter spend) No complimentary lounge access; 1 domestic lounge visit or a ₹1,000 voucher each quarter on ₹1 lakh of quarterly spend
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 3.5%
Best for Online-first shoppers and OTT subscribers wanting rewards on digital and everyday spends Online shoppers and food delivery users who buy on Amazon, Flipkart, Swiggy and Zomato
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹3L+/year ₹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+
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When each card wins
Kotak Mahindra Mojo Platinum Credit Card
Kotak Mojo Platinum suits niche spenders heavily invested in OTT subscriptions and offline retail with consistent high annual spending to justify its fee structure and unlock niche Mojo rewards.
HDFC Millennia Credit Card
HDFC Millennia excels for shoppers using Amazon, Flipkart, Swiggy, and Zomato regularly, converting their everyday purchases into meaningful cashback capped strategically to prevent overspending incentives.
Who should get which card
Get Kotak Mahindra Mojo Platinum if you…
· Heavy OTT and streaming subscription users
· Offline-first retail shoppers
· High spenders exceeding ₹1 lakh annually
Get HDFC Millennia if you…
· Regular Amazon, Flipkart, and Myntra buyers
· Swiggy and Zomato frequent users
· Online-focused shoppers seeking capped, predictable cashback
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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Frequently asked questions
Based on our analysis, HDFC Millennia Credit Card offers better annual returns for most spend profiles.
Kotak Mahindra Mojo Platinum Credit Card has an annual fee of ₹1,000 + taxes (waived on ₹1,00,000/year spend). HDFC Millennia Credit Card has an annual fee of ₹1,000 + taxes (waived on ₹1L spend).
Kotak Mahindra Mojo Platinum Credit Card offers 7.5 Mojo Points per ₹150 on online retail (1.25%); 5 Mojo Points per ₹150 on offline retail (0.83%); Mojo rewards for OTT and dining. HDFC Millennia Credit Card offers 5% cashback on Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV and Cult.fit, up to ₹1,000 a month; 1% on other spends, up to ₹1,000 a month; no cashback on fuel, rent, wallets, EMIs or government payments. 1 CashPoint = ₹1 against the statement.
Kotak Mahindra Mojo Platinum Credit Card lounge access: 2 domestic visits/quarter (8/year, on ₹35,000/quarter spend). HDFC Millennia Credit Card lounge access: No complimentary lounge access; 1 domestic lounge visit or a ₹1,000 voucher each quarter on ₹1 lakh of quarterly spend.
Kotak Mahindra Mojo Platinum Credit Card charges 3.5% forex markup. HDFC Millennia Credit Card charges 3.5% forex markup.