Canara RuPay 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 | Canara Bank | HDFC Bank |
| Card Type | Entry Level | Cashback |
| Annual Fee | ₹500 + GST | ₹1,000 + GST |
| Joining Fee | ₹500 + GST | ₹1,000 + GST |
| Rewards | 1 reward point per ₹100 spent | 5% Cashback on Amazon, Flipkart, Swiggy |
| Best For | Budget Users | 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 | None | 1000 Cash Points on first txn |
| Min Income | ₹12,000/month | ₹25,000/month |
| Lounge Access | None | 8 domestic per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹4,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 3.8 | 4.6 |
| Contactless | ||
| EMI Conversion |
Key Features
Canara RuPay Select
Budget Users
RuPay • Entry Level
- RuPay UPI linkage supported
- Fuel surcharge waiver up to ₹100/month
- Personal accident insurance ₹5 Lakh
- Easy EMI conversion available
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: Canara RuPay Select or HDFC Millennia?
HDFC Millennia has the higher CardKhoj rating (4.6/5) and is best for online shopping. Canara RuPay Select is the better fit if your priority is budget users. The right choice depends on where you spend most.
Which has the lower annual fee: Canara RuPay Select and HDFC Millennia?
Canara RuPay Select is cheaper to hold at ₹500 + GST, compared with ₹1,000 + GST for HDFC Millennia.
Do Canara RuPay Select and HDFC Millennia offer airport lounge access?
Canara RuPay Select: no complimentary lounge access. 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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