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Side-by-Side Comparison|Updated March 2026

HDFC Bank Infinia vs HDFC Bank Millennia Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

HDFC Bank

HDFC Bank Infinia

9.8/10
Annual Fee₹12,500
Base Rewards1.0989%
NetworkVisa
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HDFC Bank

HDFC Bank Millennia Credit Card

8.5/10
Annual Fee₹1,000
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureHDFC Bank InfiniaHDFC Bank Millennia Credit Card
Annual Fee₹12,500₹1,000
Joining Fee₹12,500₹1,000
Fee Waiver Spend₹10,00,000₹1,00,000
Base Reward Rate1.0989%1%
Reward CurrencyReward PointsCashPoints
NetworkVisaVisa
Editor Rating9.8/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank Infinia

  • 0% on SmartBuy Flights & Hotels
  • 0% on SmartBuy Shopping

HDFC Bank Millennia Credit Card

  • 0% on Special Rate

Pros & Cons

HDFC Bank Infinia

Pros

  • Unmatched 3.33% base reward rate on almost all retail spends.
  • 1:1 redemption ratio for flights, hotels, and premium brands like Apple and Tanishq.
  • Unlimited domestic and international lounge access for both primary and add-on members.
  • Exclusive luxury hotel benefits including 2+1 night stays and complimentary buffets at ITC Hotels.

Cons

  • Strictly invite-only with very high income and relationship eligibility criteria.
  • Reward points are capped for specific categories like insurance and grocery.
  • High annual fee of ₹12,500 + GST, though offset by welcome points.

HDFC Bank Millennia Credit Card

Pros

  • 5% cashback on 10 major online merchants including Amazon, Flipkart, and Swiggy
  • 1:1 redemption ratio for CashPoints against statement credit
  • Achievable annual fee waiver at ₹1 Lakh annual spend
  • 1,000 CashPoints welcome benefit effectively offsets the joining fee

Cons

  • Monthly cashback capped at ₹1,000 for the 5% category
  • Lounge access is now spend-based (₹1 Lakh per quarter)
  • Excludes rent, fuel, and government transactions from rewards

Our Verdict

HDFC Bank Infinia edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank Millennia Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose HDFC Bank Infinia if

Seeking the highest reward rate in India with premium lifestyle and travel privileges.

Choose HDFC Bank Millennia Credit Card if

High 5% cashback on popular platforms like Amazon, Flipkart, and Zomato.

Frequently Asked Questions

Which is better: HDFC Bank Infinia or HDFC Bank Millennia Credit Card?
HDFC Bank Infinia edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank Millennia Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between HDFC Bank Infinia and HDFC Bank Millennia Credit Card?
HDFC Bank Infinia has an annual fee of ₹12,500, while HDFC Bank Millennia Credit Card has an annual fee of ₹1,000. HDFC Bank Infinia offers a fee waiver on ₹10,00,000 annual spend. HDFC Bank Millennia Credit Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: HDFC Bank Infinia or HDFC Bank Millennia Credit Card?
HDFC Bank Infinia offers a base reward rate of 1.0989% with accelerated rewards on SmartBuy Flights & Hotels and SmartBuy Shopping. HDFC Bank Millennia Credit Card offers 1% base rewards with bonuses on Special Rate. The better choice depends on your primary spending categories.
Can I have both HDFC Bank Infinia and HDFC Bank Millennia Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank Infinia and HDFC Bank Millennia Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank Infinia or HDFC Bank Millennia Credit Card?
For beginners, HDFC Bank Millennia Credit Card may be more approachable with a lower annual fee of ₹1,000. However, evaluate based on your expected spending pattern rather than fee alone.

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