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| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | 0.6% | 2.3% | 2.3% | 2.7% | 1.9% |
| Est. Monthly Reward (₹) | 30 | 230 | 465 | 1,345 | 1,940 |
| All-India Rewards Rank* | 58 | 4 | 6 | 6 | 26 |
| Within Bank Rank* | 12 | 2 | 2 | 2 | 5 |
| * Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here. | |||||
We think the HDFC Bank Millennia Credit Card is the best choice for HDFC Bank customers who charge between ₹10,000 – 50,000 a month on their card. Cardholders can earn a net rewards yield of 2.3-2.7% with this card in that range.
If you spend less than ₹10,000 a month on your card, consider the Bharat Credit Card with a yield of 1.9-2.4%.
High spenders looking for an HDFC Bank credit card should choose the 6E Rewards XL – Indigo HDFC Bank Credit Card instead, which has a yield of 2.2% for monthly spending >₹50,000 a month.
The Millennia is only available for customers under 40 years of age. Others can consider the Paytm HDFC Bank SELECT Credit Card, which has yield of 1.5-1.8%.
Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.
| Card | |
|---|---|
| Card Type | Cashback* |
| Cashback Features | 5% cashback on: – Groceries via Amazon & Flipkart – Online Food Delivery via Zomato & Swiggy – Transport via Uber – Online Shopping via Amazon, Flipkart & Myntra – Entertainment via BookMyShow 1% for everything else |
| Milestone Rewards | ₹1,000 worth gift vouchers on spends of ₹1 lacs and above in each calendar quarter. |
| Other Rewards | 2 Complimentary Airport Lounge Visits / Qtr |
| Cashback Caps | ₹2,000 p.m. |
| Rewards Redemption Fee | ₹99 per redemption |
| Preferred Redemption Method | Cashback against statement balance @ ₹1 / Cash Point |
| * Rewards are given in form of CashPoints which must be redeemed against statement balance. | |
| Card | ||
|---|---|---|
| Joining Fee | Nil | |
| Annual Fee | ₹1,000 + Taxes | |
| Min. Annual Credit Card Spend for Fee Waiver |
₹1 lacs | |
| Income Criteria | Salaried | >₹35,000 p.m. |
| Self-employed | N/A | |
| Supplementary Card Fee | 2 Free | |
| Interest Rate | 43.20% p.a. | |
| Foreign Currency Markup | 3.50% | |
| Cash Advance Charge | 2.5% with a minimum of ₹500 | |
| Card Association | Visa, MasterCard | |
Questions? Suggestions? See a mistake? Write to us!
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.
2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.
8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.
