Amex Membership Rewards Card vs HDFC Millennia
Detailed comparison of these two popular credit cards
Amex Membership Rewards Card
American Express
Mid-RangeVS
Winner
HDFC Millennia
HDFC Bank
Mid-Range*
Different Reward Types
Card 1 gives ⭐ Reward Points while Card 2 gives 💵 Cashback. We're showing effective cash values for fair comparison.
Annual Fee
₹5K vs ₹1K
Effective Rate
(cash value)
0.7% vs 1.0%
Lounge Access
None vs 8/year
Detailed Comparison
| Feature | Amex Membership Rewards Card | HDFC Millennia |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹1K | ₹1K |
| Annual Fee | ₹5K | ₹1K |
| Fee Waiver | None | Spend ₹1L annually |
| Forex Markup | - | 3.5% |
Rewards | ||
| Reward Type | ⭐Reward Points | 💵Cashback |
| Effective Cash Value | 0.7% | 1% |
Lounge Access | ||
| Domestic Lounges | None | 8/year |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹6.0L | ₹6.0L |
Amex Membership Rewards Card is Best For
Regular spenders making 4+ transactions/month
Watch Out
- • Fuel excluded from Jun 2025
HDFC Millennia is Best For
Online shoppers on major platforms
Watch Out
- • 5% cashback capped at ₹1000/month
Our Verdict
Based on overall features and value,
HDFC Millennia wins!
Score: 21vsScore: 34
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