Citi PremierMiles vs HDFC Millennia
Detailed comparison of these two popular credit cards
Winner
Citi PremierMiles
Citibank
PremiumVS
HDFC Millennia
HDFC Bank
Mid-Range*
Different Reward Types
Card 1 gives ✈️ Airline Miles while Card 2 gives 💵 Cashback. We're showing effective cash values for fair comparison.
Annual Fee
₹3K vs ₹1K
Effective Rate
(cash value)
2.0% vs 1.0%
Lounge Access
4/year via Priority Pass vs 8/year
Detailed Comparison
| Feature | Citi PremierMiles | HDFC Millennia |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹3K | ₹1K |
| Annual Fee | ₹3K | ₹1K |
| Fee Waiver | Spend ₹3L annually | Spend ₹1L annually |
| Forex Markup | 3.5% | 3.5% |
Rewards | ||
| Reward Type | ✈️Airline Miles | 💵Cashback |
| Effective Cash Value | 2% | 1% |
Lounge Access | ||
| Domestic Lounges | 4/year via Priority Pass | 8/year |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹7.2L | ₹6.0L |
Citi PremierMiles is Best For
Miles collectors (existing cardholders)
Watch Out
- • Citi exited India, cards managed by Axis
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,
Citi PremierMiles wins!
Score: 38vsScore: 34
