HDFC Millennia vs PNB RuPay Select
Detailed comparison of these two popular credit cards
Winner
HDFC Millennia
HDFC Bank
Mid-RangeVS
PNB RuPay Select
Punjab National Bank
Mid-Range*
Different Reward Types
Card 1 gives 💵 Cashback while Card 2 gives ⭐ Reward Points. We're showing effective cash values for fair comparison.
Annual Fee
₹1K vs ₹750
Effective Rate
(cash value)
1.0% vs 0.5%
Lounge Access
8/year vs 2/quarter
Detailed Comparison
| Feature | HDFC Millennia | PNB RuPay Select |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹1K | ₹500 |
| Annual Fee | ₹1K | ₹750 |
| Fee Waiver | Spend ₹1L annually | Use once per quarter |
| Forex Markup | 3.5% | 3.5% |
Rewards | ||
| Reward Type | 💵Cashback | ⭐Reward Points |
| Effective Cash Value | 1% | 0.47% |
Lounge Access | ||
| Domestic Lounges | 8/year | 2/quarter |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹6.0L | ₹3.6L |
HDFC Millennia is Best For
Online shoppers on major platforms
Watch Out
- • 5% cashback capped at ₹1000/month
PNB RuPay Select is Best For
PSU bank customers wanting lounge access + insurance
Watch Out
- • Low reward rate compared to private bank cards
Our Verdict
Based on overall features and value,
HDFC Millennia wins!
Score: 34vsScore: 18
