HDFC Bank Moneyback Plus Credit Card vs HDFC Bank Millennia Credit Card

HDFC Bank offers a wide range of credit cards, catering to both beginners and premium users. Today, in this blog, we’ll compare two HDFC credit cards that are similar yet different from each other. These cards are the HDFC Moneyback Plus Credit Card and the HDFC Millennia Credit Card. Both of these cards are cashback credit cards and come with low fees as well. We know the similarities of these cards, but now let’s learn how they are different. With the comparison of HDFC Bank Moneyback Plus Credit Card vs HDFC Bank Millennia Credit Card, you can choose the best one for you.

HDFC Bank Millennia Credit Card

This card's name, “Millennia,” itself justifies that it’s a perfect card for millennials, as they all love to shop, stay fit, and dine out. It’s a card that offers various rewards in different categories, such as cashback points, discounts, memberships, vouchers, and more, helping you save while you spend. The cashback points can be redeemed against various categories, like air miles.

The eligibility criteria for this are that the person should be above 21 years and have a stable source of income, employment type could be both: salaried and self-employment. The minimum salary requirement is 35k for salaried, and for self-employed, the minimum ITR should be around 6 lakhs.

HDFC Bank Moneyback Plus Credit Card

It’s a superior version of the HDFC Moneyback credit card. HDFC Moneyback Plus card may be a superior version, but the cost it offers is not at all for the superior class. This card comes with very minimal fees, and in return, you get generous benefits. You get benefits on your lifestyle expenses, shopping, departmental purchases, bill payments, and others.

The eligibility criteria for this are that the person should be above 21 years and have a stable source of income, employment type could be both: salaried and self-employment. The minimum salary requirement is 20,000 for salaried individuals, and for self-employed individuals, the minimum ITR should be around 6 lakhs.

Comparison Chart

Comparison	HDFC Bank Millennia Credit Card	HDFC Bank Moneyback Plus Credit Card
Fees	1000 Rs plus GST	500 Rs plus GST
Welcome benefits	500 cash points	1000 cash points
Lounge Access	8 domestic lounge access in a year	Not applicable
Cashback and rewards	5% cashback on shopping online with the partnered brands 1% cashback on other categories, both online and offline	10x cash points if you shop with the partnered brand 5x cash points on EMI expenses 2x cash points on other expenses
Fuel Surcharge	Waive 1% fuel surcharge	Waive 1% fuel surcharge
Dining Benefits	Enjoy 20% off at partnered restaurants across India	Enjoy 15% off at more than 2000 restaurants across India

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Bottom Line

To summarize, both cards share similar features, yet there are substantial differences that make each card unique in its own way. Opt for the HDFC Millenia Credit Card if you want to enjoy benefits such as lounge access, high cashback on online shopping, and excellent dining offers. However, if you're looking for a low annual fee card with excellent rewards on everyday expenses, then the HDFC Bank Moneyback Plus Credit Card is a good option. Your choice depends on your lifestyle and how much you're willing to pay for extra benefits.

Frequently Asked Questions? (FAQs)

Which is better for online shopping, the HDFC Bank Millennia Credit Card or the Moneyback Plus?

The HDFC Millennia Credit Card is better for online shopping as compared to the Moneyback Plus credit card because the Millennia card offers 5% direct cashback on partner brands, along with other benefits on travel and lifestyle.

Which is good, the HDFC Millennia vs Moneyback Plus for travel rewards?
Since the Moneyback Plus credit card offers no travel benefits, the HDFC Millennia card is better as it offers 8 domestic airport lounge accesses for free in a year, and you can redeem your cashback into air miles also.

What are the advantages of the HDFC Bank Millennia Credit Card for lifestyle expenses?
If you own a Millennia credit card, then you’re entitled to various advantages, such as 5% cashback on online shopping, 1% cashback on offline expenses, complimentary lounge access, and 20% off on dining indulgences.