Amex SmartEarn vs HDFC Millennia
Detailed comparison of these two popular credit cards
Amex SmartEarn
American Express
EntryVS
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
₹495 vs ₹1K
Effective Rate
(cash value)
0.7% vs 1.0%
Lounge Access
None vs 8/year
Detailed Comparison
| Feature | Amex SmartEarn | HDFC Millennia |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹0 | ₹1K |
| Annual Fee | ₹495 | ₹1K |
| Fee Waiver | Spend ₹40K annually | 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 | ₹4.5L | ₹6.0L |
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
