PNB Rupay Platinum vs HDFC Millennia
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 | PNB Rupay Platinum | HDFC Millennia |
|---|---|---|
| Bank | Punjab National Bank | HDFC Bank |
| Card Type | Entry Level | Cashback |
| Annual Fee | ₹299 + GST | ₹1,000 + GST |
| Joining Fee | ₹99 + GST | ₹1,000 + GST |
| Rewards | 2 reward points per ₹100 on all spends | 5% Cashback on Amazon, Flipkart, Swiggy |
| Best For | Budget Users | Online Shopping |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹25,000 - ₹1,50,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | None | 1000 Cash Points on first txn |
| Min Income | ₹12,000/month | ₹25,000/month |
| Lounge Access | None | 8 domestic per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹4,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 3.9 | 4.6 |
| Contactless | ||
| EMI Conversion |
Key Features
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
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
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.