HDFC Millennia vs Kotak Royale Signature
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 | Kotak Mahindra |
| Card Type | Cashback | Premium |
| Annual Fee | ₹1,000 + GST | ₹999 + GST |
| Joining Fee | ₹1,000 + GST | ₹999 + GST |
| Rewards | 5% Cashback on Amazon, Flipkart, Swiggy | 4 reward points per ₹150 on all spends |
| Best For | Online Shopping | Travel & Entertainment |
| 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 | ₹1,00,000 - ₹5,00,000 |
| Welcome Benefit | 1000 Cash Points on first txn | 500 reward points on activation |
| Min Income | ₹25,000/month | ₹25,000/month |
| Lounge Access | 8 domestic per year | 8 domestic + 2 international per year |
| 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 | 4.3 |
| 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
Kotak Royale Signature
Travel & Entertainment
Visa Signature • Premium
- 8 complimentary domestic lounge visits per year
- 2 complimentary international lounge visits
- 1% fuel surcharge waiver
- Milestone benefits on annual spending
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 Kotak Royale Signature?
HDFC Millennia has the higher CardKhoj rating (4.6/5) and is best for online shopping. Kotak Royale Signature is the better fit if your priority is travel & entertainment. The right choice depends on where you spend most.
Which has the lower annual fee: HDFC Millennia and Kotak Royale Signature?
Kotak Royale Signature is cheaper to hold at ₹999 + GST, compared with ₹1,000 + GST for HDFC Millennia.
Do HDFC Millennia and Kotak Royale Signature offer airport lounge access?
HDFC Millennia: 8 domestic per year. Kotak Royale Signature: 8 domestic + 2 international 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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