HDFC Millennia vs IndusInd Tiger vs PNB Rupay Platinum
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 | IndusInd Tiger | PNB Rupay Platinum |
|---|---|---|---|
| Bank | HDFC Bank | IndusInd Bank | Punjab National Bank |
| Card Type | Cashback | Cashback | Entry Level |
| Annual Fee | ₹1,000 + GST | Lifetime Free | ₹299 + GST |
| Joining Fee | ₹1,000 + GST | Nil | ₹99 + GST |
| Rewards | 5% Cashback on Amazon, Flipkart, Swiggy | 1.5% cashback on all spends | 2 reward points per ₹100 on all spends |
| Best For | Online Shopping | Everyday Cashback | Budget Users |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.50% per month (42.00% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹25,000 - ₹2,00,000 | ₹25,000 - ₹1,50,000 |
| Welcome Benefit | 1000 Cash Points on first txn | None | None |
| Min Income | ₹25,000/month | ₹15,000/month | ₹12,000/month |
| Lounge Access | 8 domestic per year | None | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹4,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free | Free |
| Rating | 4.6 | 4.2 | 3.9 |
| 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
IndusInd Tiger
Everyday Cashback
Visa • Cashback
- No annual fee ever
- 1.5% unlimited cashback on all transactions
- Fuel surcharge waiver on all fuel stations
- Contactless payment enabled
PNB Rupay Platinum
Budget Users
RuPay • Entry Level
- RuPay network — works with UPI
- Low annual fee
- Fuel surcharge waiver
- Insurance cover up to ₹2 Lakh
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.