HDFC Millennia Credit Card vs HDFC RuPay UPI 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 ₹15,800/yr more than the HDFC RuPay UPI Credit Card. Your own spending pattern can change this — run the numbers in the rewards calculator.
| Attribute | HDFC Millennia Credit Card Best valuePopular | HDFC RuPay UPI Credit Card |
|---|---|---|
| Issuer | HDFC Bank | HDFC Bank |
| Annual fee | ₹1,000 / year | No annual fee |
| Welcome bonus | 1,000 CashPoints on fee payment | — |
| Min. income (monthly) | INR 35,000 | INR 25,000 |
| Reward type | cashback | cashback |
| Headline rate | 5% cashback | 3% cashback |
| Bonus categories | dining, online, groceries | groceries, upi_spends |
| Lounge access | Yes | No |
| Foreign tx fee | 3.5% | 3.5% |
| Est. net value / yr | ₹24,680 | ₹8,880 |
| Apply | Apply |
Frequently asked questions
- HDFC Millennia Credit Card vs HDFC RuPay UPI Credit Card: which is better?
- On our reference spend profile the HDFC Millennia Credit Card delivers higher estimated net value than the HDFC RuPay UPI 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 HDFC Millennia Credit Card and HDFC RuPay UPI Credit Card?
- HDFC Millennia Credit Card: ₹1,000 / year. HDFC RuPay UPI Credit Card: No annual fee.
- Which earns more rewards, HDFC Millennia Credit Card or HDFC RuPay UPI Credit Card?
- HDFC Millennia Credit Card earns 5% cashback; HDFC RuPay UPI Credit Card earns 3% cashback. We rank by net value after fees, not headline rate alone.