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Side-by-Side Comparison|Updated March 2026

Kotak Mahindra Bank Feast Gold 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.

Kotak Mahindra Bank

Kotak Mahindra Bank Feast Gold

6/10
Annual Fee₹499
Base Rewards1%
NetworkVisa
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HDFC Bank

HDFC Bank Millennia Credit Card

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

FeatureKotak Mahindra Bank Feast GoldHDFC Bank Millennia Credit Card
Annual Fee₹499₹1,000
Joining FeeFree₹1,000
Fee Waiver SpendN/A₹1,00,000
Base Reward Rate1%1%
Reward CurrencyDining PointsCashPoints
NetworkVisaVisa
Editor Rating6/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Kotak Mahindra Bank Feast Gold

  • 0% on Dining
  • 0% on Movies

HDFC Bank Millennia Credit Card

  • 0% on Special Rate

Pros & Cons

Kotak Mahindra Bank Feast Gold

Pros

  • High 10% reward rate on dining and movie spends.
  • Reward points have a high value of ₹1 per point.
  • Low annual fee of ₹499 with no joining fee.
  • Feast Shield provides ₹50,000 insurance against fraudulent transactions.

Cons

  • Rewards are capped at 600 points (₹600) per billing cycle.
  • Requires a minimum total spend of ₹5,000 in a cycle to qualify for dining points.
  • Dining points are only awarded for the first 5 transactions in a cycle.

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, Kotak Mahindra Bank Feast Gold could be the better pick if its specific category strengths match your spending habits.

Choose Kotak Mahindra Bank Feast Gold if

Offers a significant 10% value back on restaurant and movie spends, making it ideal for weekend outings.

Choose HDFC Bank Millennia Credit Card if

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

Frequently Asked Questions

Which is better: Kotak Mahindra Bank Feast Gold or HDFC Bank Millennia Credit Card?
HDFC Bank Millennia Credit Card edges ahead overall with a stronger combination of rewards and value. However, Kotak Mahindra Bank Feast Gold could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Kotak Mahindra Bank Feast Gold and HDFC Bank Millennia Credit Card?
Kotak Mahindra Bank Feast Gold has an annual fee of ₹499, while HDFC Bank Millennia Credit Card has an annual fee of ₹1,000. HDFC Bank Millennia Credit Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Kotak Mahindra Bank Feast Gold or HDFC Bank Millennia Credit Card?
Kotak Mahindra Bank Feast Gold offers a base reward rate of 1% with accelerated rewards on Dining and Movies. 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 Kotak Mahindra Bank Feast Gold and HDFC Bank Millennia Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Kotak Mahindra Bank Feast Gold and HDFC Bank Millennia Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Kotak Mahindra Bank Feast Gold or HDFC Bank Millennia Credit Card?
For beginners, Kotak Mahindra Bank Feast Gold may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

Explore More

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