HDFC Millennia vs Kotak Cashback+
Detailed comparison of these two popular credit cards
Winner
HDFC Millennia
HDFC Bank
Mid-RangeVS
Kotak Cashback+
Kotak Mahindra Bank
Mid-RangeAnnual Fee
₹1K vs ₹750
Effective Rate
(cash value)
1.0% vs 1.0%
Lounge Access
8/year vs None
Detailed Comparison
| Feature | HDFC Millennia | Kotak Cashback+ |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹1K | ₹750 |
| Annual Fee | ₹1K | ₹750 |
| Fee Waiver | Spend ₹1L annually | None |
| Forex Markup | 3.5% | - |
Rewards | ||
| Reward Type | 💵Cashback | 💵Cashback |
| Effective Cash Value | 1% | 1% |
Lounge Access | ||
| Domestic Lounges | 8/year | None |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹6.0L | ₹3.0L |
HDFC Millennia is Best For
Online shoppers on major platforms
Watch Out
- • 5% cashback capped at ₹1000/month
Kotak Cashback+ is Best For
Grocery and food delivery spenders
Watch Out
- • ₹500/month cap on accelerated cashback too low for ₹750 annual fee
Our Verdict
Based on overall features and value,
HDFC Millennia wins!
Score: 34vsScore: 22
