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Side-by-Side Comparison|Updated March 2026

Shoppers Stop HDFC Bank Credit Card 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

Shoppers Stop HDFC Bank Credit Card

6.5/10
Annual Fee₹299
Base Rewards0.2%
NetworkRuPay
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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

FeatureShoppers Stop HDFC Bank Credit CardHDFC Bank Millennia Credit Card
Annual Fee₹299₹1,000
Joining Fee₹299₹1,000
Fee Waiver Spend₹50,000₹1,00,000
Base Reward Rate0.2%1%
Reward CurrencyReward PointsCashPoints
NetworkRuPayVisa
Editor Rating6.5/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Shoppers Stop HDFC Bank Credit Card

  • 0% on Shoppers Stop

HDFC Bank Millennia Credit Card

  • 0% on Special Rate

Pros & Cons

Shoppers Stop HDFC Bank Credit Card

Pros

  • 3% Reward Points on all Shoppers Stop spends with a 1:1 redemption ratio for SS vouchers.
  • Complimentary Shoppers Stop Silver Edge membership worth ₹350.
  • Weekend milestone benefit of ₹500 for spends over ₹15,000 at Shoppers Stop.
  • Low annual fee of ₹299, easily waived on ₹50,000 annual spend.

Cons

  • Low reward rate of 1% on non-Shoppers Stop spends.
  • Reward points value drops significantly (to ₹0.20) when redeemed for cashback or travel.
  • No complimentary airport lounge access on the base variant.

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, Shoppers Stop HDFC Bank Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Shoppers Stop HDFC Bank Credit Card if

High 3% value back and 1:1 redemption specifically for Shoppers Stop vouchers.

Choose HDFC Bank Millennia Credit Card if

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

Frequently Asked Questions

Which is better: Shoppers Stop HDFC Bank Credit Card or HDFC Bank Millennia Credit Card?
HDFC Bank Millennia Credit Card edges ahead overall with a stronger combination of rewards and value. However, Shoppers Stop HDFC Bank Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Shoppers Stop HDFC Bank Credit Card and HDFC Bank Millennia Credit Card?
Shoppers Stop HDFC Bank Credit Card has an annual fee of ₹299, while HDFC Bank Millennia Credit Card has an annual fee of ₹1,000. Shoppers Stop HDFC Bank Credit Card offers a fee waiver on ₹50,000 annual spend. HDFC Bank Millennia Credit Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Shoppers Stop HDFC Bank Credit Card or HDFC Bank Millennia Credit Card?
Shoppers Stop HDFC Bank Credit Card offers a base reward rate of 0.2% with accelerated rewards on Shoppers Stop. 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 Shoppers Stop HDFC Bank Credit Card and HDFC Bank Millennia Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Shoppers Stop HDFC Bank Credit Card and HDFC Bank Millennia Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Shoppers Stop HDFC Bank Credit Card or HDFC Bank Millennia Credit Card?
For beginners, Shoppers Stop HDFC Bank Credit Card may be more approachable with a lower annual fee of ₹299. However, evaluate based on your expected spending pattern rather than fee alone.

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