On a typical ₹50,000 a month, HDFC Bank Millennia Credit Card returns about ₹10,296 a year after its fee and HDFC Bank MoneyBack+ Credit Card about ₹3,360: a gap of ₹6,936. Points counted as cashback.
| Monthly card spend | HDFC Bank Millennia Credit Card | HDFC Bank MoneyBack+ Credit Card |
|---|---|---|
| ₹20,000 | ₹4,032 | ₹1,302 |
| ₹50,000 | ₹10,296 | ₹3,360 |
| ₹1,20,000 | ₹20,544 | ₹7,722 |
| Spending | HDFC Bank Millennia Credit Card | HDFC Bank MoneyBack+ Credit Card |
|---|---|---|
| Online shopping | ₹5,040 (5%) | ₹1,320 (2%) |
| Groceries | ₹960 (1%) | ₹1,056 (2%) |
| Food delivery | ₹2,016 (5%) | ₹528 (2%) |
| Dining out | ₹480 (1%) | ₹96 (0.2%) |
| Fuel | ₹0 (0%) | ₹0 (0%) |
| Bills & utilities | ₹600 (1%) | ₹120 (0.2%) |
| Travel & flights | ₹600 (1%) | ₹120 (0.2%) |
| UPI payments | ₹0 (0%) | ₹0 (0%) |
| Everything else | ₹600 (1%) | ₹120 (0.2%) |
| HDFC Bank Millennia Credit Card | HDFC Bank MoneyBack+ Credit Card | |
|---|---|---|
| Annual fee | ₹1,000 | ₹500 |
| Fee waived at | ₹1,00,000 a year | ₹50,000 a year |
| Foreign markup | Not published | Not published |
HDFC Bank Millennia Credit Card · HDFC Bank MoneyBack+ Credit Card · Compare on your own spending
On a typical ₹50,000 a month, HDFC Bank Millennia Credit Card returns about ₹10,296 a year after its fee and HDFC Bank MoneyBack+ Credit Card about ₹3,360: a gap of ₹6,936. That is for a typical mix of spending with points counted as cashback. The better card for you depends on where your money goes, so compare them on your own numbers on SahiCard.
At ₹20,000 a month: HDFC Bank Millennia Credit Card ₹4,032, HDFC Bank MoneyBack+ Credit Card ₹1,302. At ₹50,000 a month: HDFC Bank Millennia Credit Card ₹10,296, HDFC Bank MoneyBack+ Credit Card ₹3,360. At ₹1,20,000 a month: HDFC Bank Millennia Credit Card ₹20,544, HDFC Bank MoneyBack+ Credit Card ₹7,722.
Each card's rates, caps, exclusions and fees are read from the bank's own pages (last on 2026-09-30), then applied to the same spending for both cards.