HDFC Bank is one of the leading credit card issuers. Two of the most popular credit cards offered by HDFC Bank are the HDFC Millennia Credit Card and HDFC Moneyback Credit Card, these are availed of by many customers. We have covered the features and benefits of these two credit cards in this article. Keep reading to kick start your research.
HDFC Moneyback Credit Card:
You can vouch for this credit card at Rs. 500 plus applicable taxes. The HDFC Moneyback credit card is best suited for shopping needs. This is an entry-level credit card which is ideal for first-time credit card users. The features and benefits of this credit card are as follows:
- As a welcome offer, you get 1,000 CashPoints on this credit card.
- You get to earn 5% cash back on shopping from selected partner merchants like Amazon, Flipkart, Tata CLiQ, Sony LIV, etc.
- On all other offline and online spends except on fuel transactions you get to earn 1% cashback.
- You earn the cashback in the form of CashPoints.
- You get to enjoy 8 complimentary domestic lounge access per year with this credit card.
- You can save up to 20% on dining bills with the complimentary Dineout Passport membership.
- Get 1% fuel surcharge waiver on a minimum fuel transactions of Rs. 400.
- You can also enjoy the spend based waiver on Annual renewal fee by spending Rs. 1 lakh in the previous year.
HDFC Millennia Credit Card:
You can avail of this credit card at Rs. 1,000 plus applicable taxes. The HDFC Millennia Credit Card is best suited for shopping and travel categories. This one is a premium credit card with an affordable price. The key highlights of this credit card are as follows:
- As a welcome offer, you get 1,000 CashPoints on this credit card.
- You get to earn 5% cash back on shopping from selected partner merchants like Amazon, Flipkart, Tata CLiQ, Sony LIV, etc.
- On all other offline and online spends except on fuel transactions you get to earn 1% cashback.
- You earn the cashback in the form of CashPoints.
- You get to enjoy 8 complimentary domestic lounge access per year with this credit card.
- You can save up to 20% on dining bills with the complimentary Dineout Passport membership.
- Get 1% fuel surcharge waiver on a minimum fuel transactions of Rs. 400.
- You can also enjoy the spend based waiver on Annual renewal fee by spending Rs. 1 lakh in the previous year.
Bottom Line:
To summarise, both the credit cards mentioned above are ideal for shopping needs. Since, there is a difference between the membership fees of both credit cards, HDFC Millennia Credit Card offers more benefits as compared to HDFC Moneyback Credit Card. If you are looking for a credit card that offers shopping benefits then you must go for the Moneyback Credit Card, however if you are looking for a credit card that offers shopping as well as travel benefits then you must go for the Millenia Credit Card. The key to selecting the right credit is identifying your needs and spending habits and then choosing the credit card which compliments them. Do share your experience with these credit cards in the comment section.
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