AU Bank LIT Credit Card vs HDFC Millennia Credit Card
Net value is estimated on a sample monthly spend, ranked by value not commission.
Verdict
On our reference spend profile, HDFC Millennia Credit Card comes out ahead on estimated net value — about ₹9,920/yr more than the AU Bank LIT Credit Card. Your own spending pattern can change this — run the numbers in the rewards calculator.
| Attribute | AU Bank LIT Credit Card | HDFC Millennia Credit Card Best valuePopular |
|---|---|---|
| Issuer | AU Small Finance Bank | HDFC Bank |
| Annual fee | No annual fee | ₹1,000 / year |
| Welcome bonus | — | 1,000 CashPoints on fee payment |
| Min. income (monthly) | INR 25,000 | INR 35,000 |
| Reward type | cashback | cashback |
| Headline rate | 2% cashback | 5% cashback |
| Bonus categories | fuel, dining, online | dining, online, groceries |
| Lounge access | Yes | Yes |
| Foreign tx fee | 1.99% | 3.5% |
| Est. net value / yr | ₹14,760 | ₹24,680 |
| Apply | Apply |
Frequently asked questions
- AU Bank LIT Credit Card vs HDFC Millennia Credit Card: which is better?
- On our reference spend profile the HDFC Millennia Credit Card delivers higher estimated net value than the AU Bank LIT Credit Card in India, so it wins on value. Your own spending pattern may change the result — run both through the rewards calculator.
- What is the annual fee difference between AU Bank LIT Credit Card and HDFC Millennia Credit Card?
- AU Bank LIT Credit Card: No annual fee. HDFC Millennia Credit Card: ₹1,000 / year.
- Which earns more rewards, AU Bank LIT Credit Card or HDFC Millennia Credit Card?
- AU Bank LIT Credit Card earns 2% cashback; HDFC Millennia Credit Card earns 5% cashback. We rank by net value after fees, not headline rate alone.