Compare : HDFC Bank Times Credit Card vs HDFC Millennia Credit Card

Shopping, apparel, dining, etc. vouchers worth Rs. 5,000 on the card activation

Bonus 1,000 cash points on joining fee payment

2 reward points for every Rs. 150 spent

5 reward points on every Rs. 150 spent on dining on weekdays

5% cashback up to 1,000 cash points/month on Flipkart, Swiggy, Amazon, BookMyShow, Myntra, Uber, Cult.fit, Sony LIV, Tata CLiQ and Zomato

1% cashback up to 1,000 cash points/month on other spends

NA

Up to 4 complimentary domestic airport lounge access per year (1 per quarter) on Rs. 1 lakh quarterly spends

2.5X rewards on dining spends

Cashback on utility spends

Up to 5% cashback on major lifestyle-related online spends

Bonus points worth the joining fee on activation

Multiple redemption options with redemption value of up to 1:1

Annual fee waiver condition is quite easily achievable

No travel-specific benefits

Monthly capping on cashback earning

Low cashback rate for non-accelerated category

Exclusion of major everyday spends like utilities and rent from cashback earning

Lounge access benefit is optional and spend-based

People looking for a low annual fee credit card with basic benefits across multiple categories

Those who frequently spend online across partner brands.