HDFC Millennia vs Kotak Royale Signature vs OneCard Metal
Side-by-side credit card comparison to help you choose the best one.
| Feature | HDFC Millennia | Kotak Royale Signature | OneCard Metal |
|---|---|---|---|
| Bank | HDFC Bank | Kotak Mahindra | OneCard (FPL) |
| Annual Fee | ₹1,000 + GST | ₹999 + GST | Lifetime Free |
| Joining Fee | ₹1,000 + GST | ₹999 + GST | Nil |
| Rewards | 5% Cashback on Amazon, Flipkart, Swiggy | 4 reward points per ₹150 on all spends | 5X reward points on top 2 spend categories |
| Best For | Online Shopping | Travel & Entertainment | Tech-Savvy Users |
| Card Type | Cashback | Premium | Premium |
| Rating | 4.6 | 4.3 | 4.6 |
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
OneCard Metal
Tech-Savvy Users
- ✓ Metal card — no annual fee ever
- ✓ Auto-detects your top spend categories for 5X
- ✓ Real-time spend analytics in app
- ✓ Instant EMI conversion on any purchase
Our Recommendation
Based on rating and overall value, HDFC Millennia currently ranks highest among your selected cards.