HDFC Millennia vs Kotak Royale Signature vs OneCard Metal
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 | Kotak Royale Signature | OneCard Metal |
|---|---|---|---|
| Bank | HDFC Bank | Kotak Mahindra | OneCard (FPL) |
| Card Type | Cashback | Premium | Premium |
| 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 |
| Interest Rate | 3.49% per month (41.88% p.a.) | 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 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | 1000 Cash Points on first txn | 500 reward points on activation | None |
| Min Income | ₹25,000/month | ₹25,000/month | ₹20,000/month |
| Lounge Access | 8 domestic per year | 8 domestic + 2 international per year | 4 domestic per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST | 3.0% + GST |
| Add-On Card Fee | Free | Free | Not available |
| Rating | 4.6 | 4.3 | 4.6 |
| 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
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
OneCard Metal
Tech-Savvy Users
Visa • Premium
- 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
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.