Citi Prestige vs HDFC Millennia
Detailed comparison of these two popular credit cards
Winner
Citi Prestige
Citibank
Super 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
₹20K vs ₹1K
Effective Rate
(cash value)
2.0% vs 1.0%
Lounge Access
Unlimited vs 8/year
Detailed Comparison
| Feature | Citi Prestige | HDFC Millennia |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹20K | ₹1K |
| Annual Fee | ₹20K | ₹1K |
| Fee Waiver | None | Spend ₹1L annually |
| Forex Markup | 3.5% | 3.5% |
Rewards | ||
| Reward Type | ⭐Reward Points | 💵Cashback |
| Effective Cash Value | 2% | 1% |
Lounge Access | ||
| Domestic Lounges | Unlimited | 8/year |
| Priority Pass | Yes | - |
Eligibility | ||
| Min. Income | ₹36.0L | ₹6.0L |
Citi Prestige is Best For
Ultra premium (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 Prestige wins!
Score: 66vsScore: 34
