BoB Select vs HDFC Millennia
Side-by-side credit card comparison to help you choose the best one.
HDFC Millennia
Why this card wins: Online Shopping — 5% Cashback on Amazon, Flipkart, Swiggy
| Feature | ||
|---|---|---|
| Bank | Bank of Baroda | HDFC Bank |
| Card Type | Entry Level | Cashback |
| Annual Fee | ₹499 + GST | ₹1,000 + GST |
| Joining Fee | ₹499 + GST | ₹1,000 + GST |
| Rewards | 2 reward points per ₹100 spent | 5% Cashback on Amazon, Flipkart, Swiggy |
| Best For | Everyday Spending | Online Shopping |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹25,000 - ₹2,00,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | 500 reward points on first spend | 1000 Cash Points on first txn |
| Min Income | ₹15,000/month | ₹25,000/month |
| Lounge Access | 2 domestic per year | 8 domestic per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4 | 4.6 |
| Contactless | ||
| EMI Conversion |
Key Features
BoB Select
Everyday Spending
Visa • Entry Level
- Annual fee waiver on ₹75,000 spend
- 2% cashback on utility bill payments
- Fuel surcharge waiver
- Easy EMI conversion facility
HDFC Millennia
Online Shopping
Mastercard • Cashback
- 1% cashback on all offline spends
- 8 complimentary domestic lounge visits per year
- Welcome benefit of 1000 Cash Points
- Quarterly milestone rewards of ₹1000
Verdict
Based on rating and overall value, HDFC Millennia ranks highest among your selected cards. It excels at Online Shopping and offers 5% Cashback on Amazon, Flipkart, Swiggy.
Frequently asked questions
Which is better: BoB Select or HDFC Millennia?
HDFC Millennia has the higher CardKhoj rating (4.6/5) and is best for online shopping. BoB Select is the better fit if your priority is everyday spending. The right choice depends on where you spend most.
Which has the lower annual fee: BoB Select and HDFC Millennia?
BoB Select is cheaper to hold at ₹499 + GST, compared with ₹1,000 + GST for HDFC Millennia.
Do BoB Select and HDFC Millennia offer airport lounge access?
BoB Select: 2 domestic per year. HDFC Millennia: 8 domestic per year.
Which card is better for international spending?
All of them charge the same forex markup of 3.5% + GST, so choose based on other benefits.
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