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HDFC Bank MoneyBack+ vs HDFC Bank Millennia: Which Card Is Better?

A side-by-side comparison of HDFC Bank MoneyBack+ and HDFC Bank Millennia credit cards: fees, reward rates by category, caps, forex markup, lounge access, and which one earns more for different kinds of spenders.

Verdict

HDFC Bank Millennia earns more in 7 of the 7 spending profiles we tested. Choose HDFC MoneyBack+ for low-cost starter card for amazon, flipkart and swiggy. Choose HDFC Millennia for shoppers on amazon, flipkart, swiggy and zomato.

Spending profileHDFC MoneyBack+HDFC MillenniaWinner
Balanced spender₹3,060₹7,440HDFC Millennia (+₹4,380)
Online shopper₹5,565₹12,060HDFC Millennia (+₹6,495)
Frequent traveller₹-1,386₹9,724HDFC Millennia (+₹11,110)
Family & groceries₹3,480₹13,120HDFC Millennia (+₹9,640)
Foodie₹3,990₹13,360HDFC Millennia (+₹9,370)
Daily commuter₹1,995₹4,980HDFC Millennia (+₹2,985)
High spender₹2,556₹20,566HDFC Millennia (+₹18,010)

Estimated yearly value after caps, fees (with GST) and forex costs. Try your own spends →

HDFC MoneyBack+ vs HDFC Millennia: full comparison

FeatureHDFC Bank MoneyBack+HDFC Bank Millennia
Card
HDFC Bank MoneyBack+HDFC Bank
HDFC Bank MillenniaHDFC Bank
Annual fee₹500 + GST₹1,000 + GST
Joining fee₹500 + GST₹1,000 + GST
Fee waiverWaived on ₹50,000 yearly spendWaived on ₹1,00,000 yearly spend
NetworkVisa / MastercardVisa / Mastercard
Amazon rewards2.5%5%
Flipkart rewards2.5%5%
Other online shopping rewards0.25%1%
Food delivery rewards2.5%5%
Dining out rewards0.25%1%
Groceries rewards0.25%1%
Flights & hotels rewards0.25%1%
Fuel rewards0%0%
Bills & recharges rewards0.25%1%
Everything else rewards0.25%1%
Forex markup3.5%3.5%
Lounge accessNoneDomestic lounge access on quarterly spend milestones
Reward capsNo major caps5% cashback capped at 1,000 points (₹1,000) per month
1% cashback capped at 1,000 points (₹1,000) per month
Est. yearly value: balanced spender₹3,060₹7,440
Est. yearly value: online shopper₹5,565₹12,060
Est. yearly value: frequent traveller₹-1,386₹9,724
Est. yearly value: family & groceries₹3,480₹13,120
Best forLow-cost starter card for Amazon, Flipkart and SwiggyShoppers on Amazon, Flipkart, Swiggy and Zomato
Pros
  • 10X CashPoints (up to 2.5%) on Amazon, Flipkart, Swiggy, BigBasket and Reliance Smart SuperStore
  • Fee waived at just ₹50,000 yearly spend
  • 5% cashback on 10 merchants: Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
  • 1% cashback on other spends
  • ₹1,000 gift voucher every quarter you spend ₹1 lakh
  • Easy fee waiver at ₹1 lakh yearly spend
Cons
  • Partner value-back cut from about 3.3% to 2.5% in May 2026
  • Very low rate outside partner merchants
  • 5% and 1% cashback each capped at ₹1,000 a month
  • Points must be redeemed (minimum 500) and expire after 2 years
  • No rewards on fuel, rent, EMI or government payments
Visit HDFC BankVisit HDFC Bank

FAQs

Which is better, HDFC MoneyBack+ or HDFC Millennia?

HDFC Bank Millennia comes out ahead in 7 of 7 spending profiles we tested. Choose HDFC Bank MoneyBack+ if you want a card for low-cost starter card for amazon, flipkart and swiggy. Choose HDFC Bank Millennia if you want a card for shoppers on amazon, flipkart, swiggy and zomato.

What is the difference in annual fee between HDFC MoneyBack+ and HDFC Millennia?

HDFC Bank MoneyBack+: ₹500 + GST (waived on ₹50,000 yearly spend). HDFC Bank Millennia: ₹1,000 + GST (waived on ₹1,00,000 yearly spend).

Which card has a lower forex markup?

Both cards charge 3.5%.

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