What are the annual fees for HDFC Bank Millennia Credit Card and HDFC Bank MoneyBack Plus Credit Card?

HDFC Bank Millennia Credit Card has ₹1,000 + GST. HDFC Bank MoneyBack Plus Credit Card has ₹500 + GST. Fees are shown before 18% GST, which is added on the bill.

What base reward rate does each card earn?

HDFC Bank Millennia Credit Card earns about 1% on general spends; HDFC Bank MoneyBack Plus Credit Card earns about 0.3333%. Category and partner rates may differ — see the table above.

What is the forex markup on each card?

HDFC Bank Millennia Credit Card: 3.5%. HDFC Bank MoneyBack Plus Credit Card: not disclosed (plus 18% GST on the markup).

Do both cards include airport lounge access?

HDFC Bank Millennia Credit Card: yes — see the lounge row above for limits. HDFC Bank MoneyBack Plus Credit Card: none specified.

Card Comparison

HDFC Millennia vs HDFC MoneyBack Plus

HDFC Millennia vs HDFC MoneyBack Pluscompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.

HDFC Bank Millennia

HDFC Bank

Fee₹1,000+GST

Eff. rate1%

Cap₹2,000

Fee

₹1,000+GST

Eff. rate

Cap

₹2,000

HDFC Bank MoneyBack Plus

HDFC Bank

Fee₹500+GST

Eff. rate0.33%

Cap₹2,500

Fee

₹500+GST

Eff. rate

0.33%

Cap

₹2,500

Quick take

How they compare

HDFC Millennia and HDFC MoneyBack Plus suit different spending patterns, so the right pick depends on where and how much you spend. The key difference: 1% effective rate vs 0.3333%. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.

At a glance

HDFC Millennia

Annual fee: ₹1,000 + GST
Everyday rate: 1%
Monthly cap: ₹2,000/mo

Notable strengths

Bonus rewards on Amazon (up to 5%)
Direct cashback — nothing to redeem

HDFC MoneyBack Plus

Annual fee: ₹500 + GST
Everyday rate: 0.3%
Monthly cap: ₹2,500/mo

Notable strengths

Flat rewards on every spend

Each card's own strengths — not a ranking. Weigh them against where you actually spend.

54 specs · 13 sections

HDFC Bank Millennia

HDFC Bank MoneyBack Plus

Feature

HDFC Bank Millennia

HDFC Bank MoneyBack Plus

Annual Fee

₹1,000

₹500

Joining Fee

₹1,000

₹500

Fee Waiver Spend

₹1,00,000

₹50,000

Forex Markup

3.5%

—

Reward Type

Cashback

Reward Points

Base Rate

0.33%

Online Rate

—

Offline Rate

—

Effective Base Rate

0.33%

Point Value

₹1

₹0.25

Redemption Quality

HIGH

MEDIUM

Best Redemption

₹1

₹0.25

Worst Redemption

₹0.3

₹0.15

Amazon

3.33%

Bigbasket

—

3.33%

Bookmyshow

—

Cultfit

—

Flipkart

3.33%

Grocery / Supermarkets

0.33%

Fuel / Petrol / Diesel / CNG

0% (Excluded)

Restaurants / Dine-in

0.33%

Flights, Hotels, OTAs, Tour Operators

0.33%

Other Retail / Catch-all

0.33%

Monthly Cap

₹2,000

₹2,500

Est. Annual Cap

₹24,000

₹30,000

Total Excluded

5 categories

4 categories

EMI Transactions

Excluded

Earns rewards

Domestic Visits/Year

None

International Visits/Year

None

Priority Pass

Est. Annual Value

₹1,760

—

Forex Markup

3.5%

—

Description

1,000 CashPoints on payment of membership fee

500 CashPoints on card issuance

Estimated Value

₹1,000

₹125

Fuel Surcharge Waiver

Yes

Best Suited For

Online Shopping, Everyday Spends

Shopping

Min Income

₹35,000/month

₹20,000/month

Income Proof

Required

Secured FD

Accepting Applications

Yes

Network

Visa, Mastercard

Visa, RuPay

Card Tier

Classic

Still weighing your options?

Other popular matchups to line up against your shortlist.

Frequently asked questions

What are the annual fees for HDFC Bank Millennia Credit Card and HDFC Bank MoneyBack Plus Credit Card?: HDFC Bank Millennia Credit Card has ₹1,000 + GST. HDFC Bank MoneyBack Plus Credit Card has ₹500 + GST. Fees are shown before 18% GST, which is added on the bill.
What base reward rate does each card earn?: HDFC Bank Millennia Credit Card earns about 1% on general spends; HDFC Bank MoneyBack Plus Credit Card earns about 0.3333%. Category and partner rates may differ — see the table above.
What is the forex markup on each card?: HDFC Bank Millennia Credit Card: 3.5%. HDFC Bank MoneyBack Plus Credit Card: not disclosed (plus 18% GST on the markup).
Do both cards include airport lounge access?: HDFC Bank Millennia Credit Card: yes — see the lounge row above for limits. HDFC Bank MoneyBack Plus Credit Card: none specified.

Reviewed by WhichWise Editorial Team. Each card's data is verified against the issuer's official terms.

Sources: HDFC Bank - HDFC Millennia · HDFC Bank - HDFC MoneyBack Plus