HDFC Millennia vs BoB Eterna vs HSBC Smart Value
Side-by-side credit card comparison to help you choose the best one.
Our Pick
HDFC Millennia
4.6
Why this card wins: Online Shopping — 5% Cashback on Amazon, Flipkart, Swiggy
| Feature | HDFC Millennia | BoB Eterna | HSBC Smart Value |
|---|---|---|---|
| Bank | HDFC Bank | Bank of Baroda | HSBC India |
| Card Type | Cashback | Premium | Cashback |
| Annual Fee | ₹1,000 + GST | ₹2,499 + GST | Lifetime Free |
| Joining Fee | ₹1,000 + GST | ₹2,499 + GST | Nil |
| Rewards | 5% Cashback on Amazon, Flipkart, Swiggy | 6 reward points per ₹100 on all spends | 5% cashback on Swiggy, BigBasket, Amazon |
| Best For | Online Shopping | Travel & Dining | Online Shopping |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹1,50,000 - ₹5,00,000 | ₹25,000 - ₹3,00,000 |
| Welcome Benefit | 1000 Cash Points on first txn | 2000 bonus reward points | None |
| Min Income | ₹25,000/month | ₹40,000/month | ₹20,000/month |
| Lounge Access | 8 domestic per year | 8 domestic + 4 international per year | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free | Free |
| Rating | 4.6 | 4.3 | 4.2 |
| Contactless | |||
| EMI Conversion |
Key Features
Our Pick
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
BoB Eterna
Travel & Dining
Visa • Premium
- Complimentary Dreamfolks lounge access
- Golf privileges at select courses
- 1% fuel surcharge waiver
- Milestone bonus rewards on annual spend
HSBC Smart Value
Online Shopping
Mastercard • Cashback
- No annual fee ever
- 5% cashback on top online platforms
- 1% cashback on all other spends
- Smart EMI on purchases above ₹2,500
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.