HDFC Millennia Vs HDFC MoneyBack Plus Credit Card: A Detailed Comparison

Chatur Credit Cards Information Podcast

HDFC Bank, being the largest credit card issuer in the country, offers various exclusive cards targeted at different segments of individuals. Nowadays, people’s demand for rewards & cashback credit cards has increased drastically as these cards allow them to save more & more on their purchases. Keeping this fact in mind, the card issuer offers several credit cards with great reward rates, out of which, the HDFC Millennia and HDFC MoneyBack Plus Credit Card are among the most popular HDFC bank Credit Cards. Both of these are cashback credit cards and come with many more exciting benefits across other categories as well.

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HDFC Millennia Credit Card

The Millennia Credit Card issued by the HDFC Bank is popular not only among the HDFC Bank customers but among all the individuals who look for the best cashback cards available in the Indian market. It comes with an annual fee of ₹1,000 and offers great benefits that make the annual fee worth it. It doesn’t offer cashback directly but rewards its customers in the form of Cash Points, which are redeemable against cashback. To understand all the benefits & features of the card in detail, refer to the following points:

1. As a welcome benefit, the cardholders get 1,000 bonus Cash Points (equivalent to ₹1,000).
2. You get a 5% cashback (in the form of Cash Points) on partner brands including Amazon, Flipkart, Myntra, Swiggy, Tata Cliq, Swiggy, Zomato, etc.
3. You get 1% cashback on all other purchases made with this card.
4. For redemption against cashback, 1 Cash Point = ₹1.

HDFC MoneyBack Plus Credit Card:

The HDFC MoneyBack+ credit card is another card issued by the bank that rewards you in the form of CashPoints. However, the monetary value of cash points for this card is lower than that for the Millennia Card, which is one of the biggest plus points for the Millennia Credit Card. It comes with an annual fee of ₹500 and offers a decent reward rate and several other benefits to its customers. To understand all its advantages in detail, go through the following points:

1. The cardholders get a bonus of 500 Cash Points as a welcome benefit.
2. You earn 2 Cash Points on every spend of ₹150 with this card (except fuel, wallet reloads, etc).
3. You can earn 5x Cash Points on EMI transactions at selected merchant outlets.