AU Zenith Plus vs HDFC Millennia
Detailed comparison of these two popular credit cards
Winner
AU Zenith Plus
AU Small Finance Bank
PremiumVS
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)
0.3% vs 1.0%
Lounge Access
16/year vs 8/year
Detailed Comparison
| Feature | AU Zenith Plus | HDFC Millennia |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹5K | ₹1K |
| Annual Fee | ₹5K | ₹1K |
| Fee Waiver | Spend ₹8L annually | Spend ₹1L annually |
| Forex Markup | 0.99% | 3.5% |
Rewards | ||
| Reward Type | ⭐Reward Points | 💵Cashback |
| Effective Cash Value | 0.25% | 1% |
Lounge Access | ||
| Domestic Lounges | 16/year | 8/year |
| Priority Pass | Yes | - |
Eligibility | ||
| Min. Income | ₹30.0L | ₹6.0L |
AU Zenith Plus is Best For
Ultra-low forex (0.99%) international travelers
View AU Zenith Plus DetailsHDFC 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,
AU Zenith Plus wins!
Score: 45vsScore: 34
