Vyaya
Side-by-Side Comparison|Updated March 2026

HDFC Bank Times Platinum 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 Times Platinum

6.8/10
Annual Fee₹1,000
Base Rewards0.15%
NetworkVisa
View Full Details

HDFC Bank

HDFC Bank Millennia Credit Card

8.5/10
Annual Fee₹1,000
Base Rewards1%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureHDFC Bank Times PlatinumHDFC Bank Millennia Credit Card
Annual Fee₹1,000₹1,000
Joining Fee₹1,000₹1,000
Fee Waiver Spend₹2,50,000₹1,00,000
Base Reward Rate0.15%1%
Reward CurrencyReward PointsCashPoints
NetworkVisaVisa
Editor Rating6.8/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank Times Platinum

No accelerated rewards listed

HDFC Bank Millennia Credit Card

  • 0% on Special Rate

Pros & Cons

HDFC Bank Times Platinum

Pros

  • 50% discount on movie tickets via BookMyShow up to ₹600 per transaction.
  • Accelerated 10 Reward Points per ₹150 spent on weekday dining (Mon-Fri).
  • Complimentary 1-year Times Prime membership providing access to SonyLIV, ZEE5, and more.
  • Welcome vouchers worth ₹5,000 across shopping and dining categories.

Cons

  • No complimentary airport lounge access.
  • Low reward redemption value of ₹0.15 per point.
  • High annual fee waiver threshold of ₹2.5 Lakhs compared to benefits.

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

Choose HDFC Bank Times Platinum if

Frequent movie-goers can save up to ₹2,400 monthly with the 50% BookMyShow discount.

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 Times Platinum or HDFC Bank Millennia Credit Card?
HDFC Bank Millennia Credit Card edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank Times Platinum could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between HDFC Bank Times Platinum and HDFC Bank Millennia Credit Card?
HDFC Bank Times Platinum has an annual fee of ₹1,000, while HDFC Bank Millennia Credit Card has an annual fee of ₹1,000. HDFC Bank Times Platinum offers a fee waiver on ₹2,50,000 annual spend. HDFC Bank Millennia Credit Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: HDFC Bank Times Platinum or HDFC Bank Millennia Credit Card?
HDFC Bank Times Platinum offers a base reward rate of 0.15%. 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 Times Platinum and HDFC Bank Millennia Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank Times Platinum and HDFC Bank Millennia Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank Times Platinum or HDFC Bank Millennia Credit Card?
For beginners, HDFC Bank Times Platinum may be more approachable with a lower annual fee of ₹1,000. However, evaluate based on your expected spending pattern rather than fee alone.

Related Comparisons

HDFC Bank Times Platinum vs SBI Card PRIMEHDFC Bank Millennia Credit Card vs SBI Card PRIME

Explore More

HDFC Bank Times Platinum Full ReviewHDFC Bank Millennia Credit Card Full ReviewAll HDFC Bank CardsBrowse All Credit CardsCredit Card Guides & Tips