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faayda.com › compare › RBL Platinum Maxima Plus vs HDFC Millennia
Comparison · हिन्दी

RBL Platinum Maxima Plus vs HDFC Millennia

Both cards compared on real rupee returns for best mid-tier lifestyle cashback card India RBL vs HDFC. We ran the numbers so you can make the right call.

Updated · Terms checked by Prashant Parikh
RBL
PLATINUM MAXIM
ASHOK KUMAR
VS
HDFC
MILLENNIA
ASHOK KUMAR
Our verdict
HDFC Millennia Credit Card wins for most people
HDFC Millennia wins decisively with ₹5,840 annual benefit versus RBL Platinum Maxima Plus's ₹1,400, delivering over 4x value for this spend profile despite its lower fee.
Side-by-side comparison
RBL Bank Platinum Maxima Plus Credit Card HDFC Millennia Credit Card ✓
Annual benefit ₹1,400 ₹5,840
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹2,500 + taxes (no spend-based fee waiver; 10,000 welcome RP worth ₹2,500 offsets joining fee) ₹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 → 2.5% on dining, entertainment, grocery and international spends (10 RP/₹100, capped 1,000 RP/month); 0.5% base; movie BOGO 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 → 8 domestic visits/year (2 per quarter) 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 Lifestyle spenders wanting dining, grocery and entertainment rewards with lounge access 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 → ₹25,000/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
RBL Bank Platinum Maxima Plus Credit Card
RBL Platinum Maxima Plus suits lifestyle spenders prioritizing movie tickets, lounge access, and entertainment rewards over raw cashback value. Choose it if premium experience matters more than maximum returns.
HDFC Millennia Credit Card
HDFC Millennia excels for online shoppers using Amazon, Flipkart, Swiggy, and Zomato regularly. This spend profile's ₹5,000 shopping and ₹5,000 dining align perfectly with its 5% partner-site cashback caps.
Who should get which card
Get RBL Bank Platinum Maxima Plus if you…
· Premium lounge access and lifestyle benefits valued highly
· Movie BOGO offers matter for entertainment spending
· Prefer rewards in points rather than cashback
Get HDFC Millennia if you…
· Frequent Amazon, Flipkart, Swiggy, and Zomato users
· Online shopping and food delivery dominate your spending
· Straightforward cashback rewards over complex point systems
· Annual fee waived easily at ₹1L annual spend threshold
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 Millennia vs Axis ACE →HDFC Millennia vs SBI Cashback →HDFC MoneyBack+ vs HDFC Millennia →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 Millennia Credit Card offers better annual returns for most spend profiles.
RBL Bank Platinum Maxima Plus Credit Card has an annual fee of ₹2,500 + taxes (no spend-based fee waiver; 10,000 welcome RP worth ₹2,500 offsets joining fee). HDFC Millennia Credit Card has an annual fee of ₹1,000 + taxes (waived on ₹1L spend).
RBL Bank Platinum Maxima Plus Credit Card offers 2.5% on dining, entertainment, grocery and international spends (10 RP/₹100, capped 1,000 RP/month); 0.5% base; movie BOGO. 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.
RBL Bank Platinum Maxima Plus Credit Card lounge access: 8 domestic visits/year (2 per quarter). 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.
RBL Bank Platinum Maxima Plus Credit Card charges 3.5% forex markup. HDFC Millennia Credit Card charges 3.5% forex markup.