HDFC Millennia vs Kotak Royale Signature vs AU Zenith+
Side-by-side credit card comparison to help you choose the best one.
| Feature | HDFC Millennia | Kotak Royale Signature | AU Zenith+ |
|---|---|---|---|
| Bank | HDFC Bank | Kotak Mahindra | AU Small Finance Bank |
| Annual Fee | ₹1,000 + GST | ₹999 + GST | ₹7,999 + GST |
| Joining Fee | ₹1,000 + GST | ₹999 + GST | ₹7,999 + GST |
| Rewards | 5% Cashback on Amazon, Flipkart, Swiggy | 4 reward points per ₹150 on all spends | 4.5% value back on select categories |
| Best For | Online Shopping | Travel & Entertainment | Premium Lifestyle |
| Card Type | Cashback | Premium | Super Premium |
| Rating | 4.6 | 4.3 | 4.4 |
HDFC Millennia
Online Shopping
- ✓ 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
- ✓ 8 complimentary domestic lounge visits per year
- ✓ 2 complimentary international lounge visits
- ✓ 1% fuel surcharge waiver
- ✓ Milestone benefits on annual spending
AU Zenith+
Premium Lifestyle
- ✓ Complimentary airport lounge access worldwide
- ✓ Travel insurance up to ₹3 Crore
- ✓ Concierge services 24/7
- ✓ Milestone bonus of ₹10,000 voucher on ₹5L spend
Our Recommendation
Based on rating and overall value, HDFC Millennia currently ranks highest among your selected cards.