HDFC Millennia vs HSBC Smart Value
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 | HSBC India |
| Card Type | Cashback | Cashback |
| Annual Fee | ₹1,000 + GST | Lifetime Free |
| Joining Fee | ₹1,000 + GST | Nil |
| Rewards | 5% Cashback on Amazon, Flipkart, Swiggy | 5% cashback on Swiggy, BigBasket, Amazon |
| Best For | Online Shopping | Online Shopping |
| 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 | ₹25,000 - ₹3,00,000 |
| Welcome Benefit | 1000 Cash Points on first txn | None |
| Min Income | ₹25,000/month | ₹20,000/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 | 4.2 |
| 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
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.
Frequently asked questions
Which is better: HDFC Millennia or HSBC Smart Value?
HDFC Millennia has the higher CardKhoj rating (4.6/5) and is best for online shopping. HSBC Smart Value is the better fit if your priority is online shopping. The right choice depends on where you spend most.
Which has the lower annual fee: HDFC Millennia and HSBC Smart Value?
HSBC Smart Value is cheaper to hold at Lifetime Free, compared with ₹1,000 + GST for HDFC Millennia.
Do HDFC Millennia and HSBC Smart Value offer airport lounge access?
HDFC Millennia: 8 domestic per year. HSBC Smart Value: 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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