HDFC Bank Millennia Credit Card vs Tata Neu Infinity HDFC Bank Credit Card

On a typical ₹50,000 a month, HDFC Bank Millennia Credit Card returns about ₹10,296 a year after its fee and Tata Neu Infinity HDFC Bank Credit Card about ₹7,380: a gap of ₹2,916. Points counted as cashback.

Rupees back in a year, after the annual fee

Monthly card spendHDFC Bank Millennia Credit CardTata Neu Infinity HDFC Bank Credit Card
₹20,000₹4,032₹1,381
₹50,000₹10,296₹7,380
₹1,20,000₹20,544₹17,640

Category by category, on ₹50,000 a month

SpendingHDFC Bank Millennia Credit CardTata Neu Infinity HDFC Bank Credit Card
Online shopping₹5,040 (5%)₹1,800 (1.5%)
Groceries₹960 (1%)₹1,440 (1.5%)
Food delivery₹2,016 (5%)₹720 (1.5%)
Dining out₹480 (1%)₹720 (1.5%)
Fuel₹0 (0%)₹0 (0%)
Bills & utilities₹600 (1%)₹900 (1.5%)
Travel & flights₹600 (1%)₹900 (1.5%)
UPI payments₹0 (0%)₹0 (0%)
Everything else₹600 (1%)₹900 (1.5%)

The facts

HDFC Bank Millennia Credit CardTata Neu Infinity HDFC Bank Credit Card
Annual fee₹1,000₹1,499
Fee waived at₹1,00,000 a year₹3,00,000 a year
Foreign markupNot publishedNot published

HDFC Bank Millennia Credit Card · Tata Neu Infinity HDFC Bank Credit Card · Compare on your own spending

Common questions

HDFC Bank Millennia Credit Card vs Tata Neu Infinity HDFC Bank Credit Card: which is better?

On a typical ₹50,000 a month, HDFC Bank Millennia Credit Card returns about ₹10,296 a year after its fee and Tata Neu Infinity HDFC Bank Credit Card about ₹7,380: a gap of ₹2,916. 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.

Does the answer change at other spending levels?

At ₹20,000 a month: HDFC Bank Millennia Credit Card ₹4,032, Tata Neu Infinity HDFC Bank Credit Card ₹1,381. At ₹50,000 a month: HDFC Bank Millennia Credit Card ₹10,296, Tata Neu Infinity HDFC Bank Credit Card ₹7,380. At ₹1,20,000 a month: HDFC Bank Millennia Credit Card ₹20,544, Tata Neu Infinity HDFC Bank Credit Card ₹17,640.

Where do these numbers come from?

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.