HDFC Millennia vs HDFC Tata Neu Plus
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 | HDFC Bank | HDFC Bank |
| Card Type | Cashback | Cashback |
| Annual Fee | ₹1,000 + GST | ₹499 + GST |
| Joining Fee | ₹1,000 + GST | ₹499 + GST |
| Rewards | 5% Cashback on Amazon, Flipkart, Swiggy | 5% NeuCoins on Tata brands, 1.5% on others |
| Best For | Online Shopping | Tata Ecosystem |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | 1000 Cash Points on first txn | 500 NeuCoins on first txn |
| Min Income | ₹25,000/month | ₹15,000/month |
| Lounge Access | 8 domestic per year | None |
| 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 | 4.6 | 4.5 |
| Contactless | ||
| EMI Conversion |
Key Features
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
HDFC Tata Neu Plus
Tata Ecosystem
RuPay • Cashback
- 5% NeuCoins on Tata Neu, BigBasket, 1mg
- 1.5% NeuCoins on all other spends
- Fee waiver on ₹50,000 annual spend
- Complimentary Zomato Gold for 3 months
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: HDFC Millennia or HDFC Tata Neu Plus?
HDFC Millennia has the higher CardKhoj rating (4.6/5) and is best for online shopping. HDFC Tata Neu Plus is the better fit if your priority is tata ecosystem. The right choice depends on where you spend most.
Which has the lower annual fee: HDFC Millennia and HDFC Tata Neu Plus?
HDFC Tata Neu Plus is cheaper to hold at ₹499 + GST, compared with ₹1,000 + GST for HDFC Millennia.
Do HDFC Millennia and HDFC Tata Neu Plus offer airport lounge access?
HDFC Millennia: 8 domestic per year. HDFC Tata Neu Plus: no complimentary lounge access.
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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