HDFC Millennia vs PNB Rupay Platinum
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 | Punjab National Bank |
| Card Type | Cashback | Entry Level |
| Annual Fee | ₹1,000 + GST | ₹299 + GST |
| Joining Fee | ₹1,000 + GST | ₹99 + GST |
| Rewards | 5% Cashback on Amazon, Flipkart, Swiggy | 2 reward points per ₹100 on all spends |
| Best For | Online Shopping | Budget Users |
| 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 | ₹25,000 - ₹1,50,000 |
| Welcome Benefit | 1000 Cash Points on first txn | None |
| Min Income | ₹25,000/month | ₹12,000/month |
| Lounge Access | 8 domestic per year | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹4,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.6 | 3.9 |
| 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
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.
Frequently asked questions
Which is better: HDFC Millennia or PNB Rupay Platinum?
HDFC Millennia has the higher CardKhoj rating (4.6/5) and is best for online shopping. PNB Rupay Platinum is the better fit if your priority is budget users. The right choice depends on where you spend most.
Which has the lower annual fee: HDFC Millennia and PNB Rupay Platinum?
PNB Rupay Platinum is cheaper to hold at ₹299 + GST, compared with ₹1,000 + GST for HDFC Millennia.
Do HDFC Millennia and PNB Rupay Platinum offer airport lounge access?
HDFC Millennia: 8 domestic per year. PNB Rupay Platinum: no complimentary lounge access.
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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